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free credit cardThis time I will post with two basic assumptions:

1. people use credit cards with benefits (cash back, free miles, points, etc. ..)

2. people do not enjoy paying the annual credit card fee.

Let’s admit, buying things on credit is great – you do not pay for it on the spot, sometimes you get up to 60 days for paying the bill and unfortunately if you are an irresponsible spender you can use it to buy things, you really cannot even afford 🙂

It’s definitely better to buy things with credit cards that reward you with extra bonuses. Personally, I own four different credit cards – the Citi® / AAdvantage® Platinum Select® MasterCard®, the Chase United MileagePlus® Explorer Card, the Chase Marriott Rewards® Premier Credit Card and the Chase Freedom® Card.

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While at their inception, credit cards have been regarded as dangerous debt-generators, the truth is that nowadays, they are actually immensely helpful and virtually indispensable financial tools. Credit cards confer a wide array of benefits depending on the issuer and the category, ranging from identity protection to cash rewards and from travel miles to insurance. This makes the selection process rather difficult, unless you are in the position where you have to opt for a credit card with low interest rates due to overwhelming debts and financial instability. Let’s learn more about the quest for an ideal credit card.

Your credit score and you

The first step implies learning your exact credit score by obtaining the free yearly report from the authorities because you want to have at least the basic idea regarding the perception of credit card issuers and other lenders towards you. The credit score and the credit history are utilized in determining your liability level and a low one may deem you ineligible for certain credit cards, which eliminates some of the options from the search.

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cash backReward credit cards allow you to earn points on your transactions in exchange for free gifts. The number of points and their value depends on the company, and sometimes you can earn more points when the company is having a promotion, or for some certain activities. Shopping for groceries is a good example of a way that you can earn points weekly with the reward credit card. You can save up these points to get bigger and better rewards when you come to claim your reward. It is possible to receive such rewards as vouchers for shopping, clothing items, free days out, and even flights to holiday destinations when you shop using your rewards credit card.

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