Updated on: September 20, 2024

Finding the right credit card can be hard. You might want cool rewards or need help with bad credit. Look around and find one that fits. Some offer instant approval!

Chase Freedom Unlimited

The Chase Freedom Unlimited card has a $0 annual fee and a cash back rewards rate of 1.5% to 6%. You can earn an extra 1.5% cash back on everything purchased in the first year worth up to $300 back. To get this card, though, you will need to have a credit score between 690 to 850.

Wells Fargo Active Cash Card

Here’s another good card that can help you save some money. The Wells Fargo Active Cash card doesn’t have an annual fee, and it has 2% cash back on purchases. You can earn a $200 cash rewards bonus after you spend $1,000 in purchases in the first three months. This is a good card, but like the Chase Freedom Unlimited, you will need to have a good to excellent credit score. It should be between 690 and 850 before you consider applying.

Discover It Cash Back

This Discover card has a $0 annual fee and can offer 1% to 5% cash back. It has a nice intro offer, too, with Cashback Match. This means that Discover will automatically match all of the cash back earned at the end of the first year. There’s no minimum spending or maximum rewards, which could lead to a lot of cash back at the end of the year. This card is for those who have a credit score between 690 and 850.

CapitalOne QuicksilverOne Cash Rewards Credit Card

For those who have average credit with a score somewhere between 630 and 689, this CapitalOne card could be a good option. The card does have an annual fee of $39, but it also offers excellent cash back rewards rates between 1.5% and 5%. You will get 1.5% on every purchase and 5% on hotels and rental cars that are booked through CapitalOne Travel. You can be considered for a higher credit line in as little as six months.

CapitalOne Platinum Credit Card

CapitalOne has other cards that are good for those who have average credit including the Platinum card. This will work well for those who have credit scores between 630 and 689. This card doesn’t have any annual fees, which is good for saving a little money. You can also qualify for a higher credit line in as little as six months. However, there are no rewards and no intro offer. This could be a good option for those who are looking to build their credit.

Petal 1 No Annual Fee Visa Credit Card

This is a card that could work well for those who have poor credit all the way through to good credit. You have a chance of being accepted with a credit score of at least 300. This card has a $0 annual fee and a rewards rate of 2% to 10%. The 10% cash back is only available through select merchants, though. It is another good card for building credit, but it doesn’t have an annual fee, which means even more money is saved.

Take Care of Your Credit

One of the things you have to remember with credit cards is that it’s often the interest and the late payments that cause the problems. The first step in making sure you aren’t wasting money is choosing the right cards. However, you also need to make sure you are taking care of your credit. This means paying on time each month and striving to carry a low balance. This will reduce the amount of wasted money you are spending because you won’t have to worry about high APRs.

Conclusion

When you have good credit, you can get better deals on loans for homes and vehicles, for example. Starting with the right cards, and taking care of your credit, can help you end up saving money for years to come.