Best Credit Cards Available (Kickbacks, Provisions And Other Bonuses)
Credit cards can be confusing. But thankfully, they can also give you some serious perks.
We all know that credit cards are a regular, mainstream part of modern financial life.
They can serve as a monetary backup in case of emergencies, and can help you to build your credit. (In fact, had I never signed up for my first credit card, I never would have built up the credit I needed to buy a house).
But here’s the thing.
Not all credit cards are the same.
Signing up for the right credit card is a crucial decision.
And unfortunately, the ‘small print’ is so small that we often aren’t completely sure what we’re signing up for when we decide to accept the terms and conditions.
In this post, you’re going to learn what to look for in order to get the best credit card available.
You want maximum kickbacks, provisions, and bonuses. You also want to earn the most points possible… and hopefully, you can get a card with little to no interest and zero fees for a certain period of time.
Let’s dive in and talk about it.
First Of All, Check Your Credit
The better your credit is, the better off you’ll be when the time comes to sign up for offers.
Because credit card companies will give you better offers if your credit score is higher.
If you can’t get the offers you want due to your low credit score, focus on raising your credit score. After that, you’ll be more likely to qualify for those awesome cash-back, zero or low-interest deals.
Decide Which Type Of Credit Card You Need
As a general rule, there are three types of cards.
There are cards that help you to improve your credit, cards that earn awesome rewards, kickbacks, and cash-back, and cards that save you money on interest.
If you’re wanting to earn awesome rewards, travel points, or cash back, then make sure to start looking for rewards cards that reward you for the type of spending you do the most.
The great thing about these types of cards is that they reward you for doing the kind of spending you’re already going to be doing.
If you already fly a lot, why not earn points on those miles?
If you already eat out at certain restaurants or buy gas at certain stations, why not sign up for a cash-back card that gives you kickbacks when you spend your money on those things?
Just use your card on qualifying purchases, pay the balance off with your cash—and boom. You’re basically getting free rewards, just for using that card on purchases you would already be making.
Find The Card With The Best Interest Rate, That Offers The Best Rewards
At the end of the day, the goal is to find the credit card that offers you the best interest rate and the best rewards with either a very low fee, or no fee at all.
But you don’t just want any rewards. You want kickbacks, cashback, and points that’ll actually fit your usual spending style.
For example, a travel card may get you awesome cash-back on miles… but if you don’t travel, it isn’t going to be of much use.
So shop for your card with these details in mind, and figure out which one will gain you the maximum benefit at the most affordable cost.
If you do your shopping correctly and use the card the right way, you should be able to enjoy all of the benefits without it costing you anything (or at least very little), giving you maximum benefit for your money.