Which Credit Card To Get

Which credit card to get can be as confusing as ever. This is because the proliferation of credit cards on the market has created a sea of them and currently there are countless numbers of them on the market.

Choosing a credit card to use should be done based on how you use the card. Some of the questions you should ask yourself are, are you the type who travels globally? Do you transact or transfer large amounts of money from one place to the other? Are you a beginner, that is to say, is this your first time using a credit card?

These are some of the questions to ask yourself before choosing or selecting a card to use.

That said, here are some of the cards that have been tried and tested over the years that you can select from.

The chase freedom flex card

This card comes top for some good reasons. Annually, the fee for using the card is zero USD ($ 0.00). it is also used for a wide range of expenses, some of which are drugs, transportation, household items and more. This makes many households like it. Its advantages over the other cards are that its users get rewarded whenever they renew it for travelling expenses. The rate of charges, when used for travel, is also comparatively low. And then there are rewards for using the card.

The wells Fargo active cash card

This is the next best card in this terrain. The wells Fargo active cash card also has some advantages over many of the others, one of them is that it also has a zero per cent charge on annual usage i.e. $ 0.00 charge annually. This card has a mobile phone protection benefit for its users. Its minuses are however that, you are charged on foreign transfers and there are no travel transfer partners. There is also a balance transfer fee that is charged.

The platinum card from American Express

This card is also one of the best to use for many reasons. It is very widely used across the globe and users do not have a limit as to where it can or cannot be used. Having it is more of prestige. Through American Express Travel, users of the card receive very high rewards. Users have the ability to several lounge services across the globe. With the several elite statuses with the Marriott and Hilton group, this card justifies why it charges its,s users. The minuses for using this card however are that: It charges an annual fee of a whopping $ 695 and this puts many off from using it. Also, many who use it are not able to maximize their statement credits. And then its rewards rate for usage outside travelling use is very minimal.

United club infinite card

This card has been known as the travellers’ card for its many advantages travellers. What makes this card the appeal and ideal for many are that it does not charge for foreign transactions. When you use it to pay for your travel expenses too, your first and second checked bags are not charged! Despite these, it also has some minuses. Some of its minuses are that it has an annual fee of USD 525 making it expensive to use. It also has a high Annual Percentage Rate (APR).

Discover secure credit card

The Discover card is the best card for anyone who is now beginning to use credit cards. Some of its advantages are that it also has USD 0.00 annual fee. There is the chance to build credit as you use it and then on purchases that you make with the card, you have the chance of getting back some cash. Your expected deposit for the card ranges from USD 200 to USD 2,500. In each quarter, the users of discover card are able to earn 2% whenever they use the card at restaurants and also at gas stations. To qualify for this cash back, you ought to make purchases for up to USD 1,000.00

Apart from these five mentioned above, there are over cards that can be classified as “best” for several reasons, some of these are:

• Capital one quicksilver one cash rewards credit card
• Capital one platinum secured credit card
• Opensky secured a visa credit card
• Deserve EDU Master card

The list of cards used worldwide is endless, some have as low as USD 90 annual fee, others are free while others can charge up to a USD 1,000 annual fee. The advice is that before you jump on to any card, please make as many inquiries as possible.