Rewards are a major factor when trying to find the right card. If you plan to use your credit card for everyday purchases? Such as groceries and gas? Then a reward card will give you more benefits than a standard credit card. Citibank offers the Citi Dividend Platinum Select card, which also has no annual fee and 0% APR on balance transfers. You can consolidate your debt while earning cash back on all of your purchases. When you use the Citi Dividend Platinum Select card, you get 2% back on purchases at supermarkets, drug stores and gas stations. With all other purchases, you receive 1% back. I recommend this card to anyone with balances on other cards, and anyone who uses their credit card regularly. If you're going to pay with a card, you might as well earn cash back. The Citi Platinum Select card has no annual fee and 0% APR on purchases and balance transfers for the first twelve months. This means that you can consolidate your debt by transferring balances from other credit cards onto the Platinum Select card and be relieved of paying interest for one full year.

There is also no balance transfer fee for the initial transfers. I recommend this card to anyone who wants top security in their credit card and who doesn't want to pay an annual fee. This is another reward card from Citibank, but it's approached from an entirely different direction. Citi has implemented something called the hank You?program, which allows customers to earn points when they use the card. So, there you have it? Choices narrowed down to the top three. Whichever Chase credit card you select, maximize your choice to get the most you can out of it. Cash, points, free air miles he choice is yours and a Chase credit card can help you get what you want for free! Let face it: in order to buy or sell so many things in today society you simply must have a credit card available in order to complete many transactions. Sure, you could pay cash for many things, but how convenient [or safe] is it to carry around a wad of bills? If you lose the money, it is gone forever. Not so with a credit card as that little plastic device can be easily replaced. What do you do if you have bad credit?

Are you locked out from getting a credit card? Happily, the answer is a resounding no. You have some options that can help put a new credit card in your wallet, bad credit or not. Before we take a look at applying for bad credit card, let's examine some things that could cause you to have a bad credit rating: If you apply for a bad credit card, please know that the consumer requirements are different than for those cards for people with good credit. Still, a bad credit card can be a good idea to help you build your credit rating back up; it won't improve overnight, but it can improve with your disciplined repayment plan. Here are some things you must know about a bad credit card: Your APR will be higher. Some offer low APRs for the introductory rate, while other cards will offer a variable rate. Overall, the APR will be higher. Default rate.

If you are late with payments, you may find yourself paying a much higher default rate. Annual fee. Expect to pay an annual fee as high as $100 per card, less if it is for a secured card. Other fees. Depending on the card you select, you can be charged an account set up fee, program fee, annual fee, and a participation fee. When shopping for a bad credit card, only commit to getting one that fits your budget. Between the fees and the higher APR, you could find yourself with a card that doesn't work with you. Still, by using a bad credit card, you can reestablish your credit if you use the card and pay it down quickly and on time. Just remember: having bad credit doesn't make you a bad person.

Sometimes circumstances in your life can adversely affect your credit standing, but you can take charge of your credit today by finding a bad credit card that fits your lifestyle. The points can be redeemed later for merchandise and airline flights. Again, this card has no annual fee, which means that you don't have to pay to use the card. When you use it to buy airplane tickets, you earn Flight Points, and when you use it to buy other goods, you earn Spend Points and Purchase Points.

As soon as you make your first purchase, Citi gives you 5,000 bonus points. Another favorite Citi card is the Citi Diamond Rewards card. The structure is very simple, and the card rewards you for spending money on everyday necessities. When you use the card at supermarkets, gas stations and drug stores, you receive five points for every dollar you spend, and when you use it elsewhere, you receive one point on the dollar. Citi gives you 6,000 bonus points after your first purchase, which can be redeemed for a $50.00 gift certificate. This card carries no annual fee, with 0% APR on balance transfers for the first twelve months. This card requires excellent credit for approval, but it has a low APR for a rewards card. I recommend this card to anyone who needs online support and who uses their credit card to pay for everyday purchases.