Best credit cards of 2022
Card details
Credit Needed
Purchase APR
Annual Fee
Website
Credit Needed
600 - 850 FICO
Purchase APR
14.99% - 29.99%
Annual Fee
$0
Credit Needed
See website for details
Purchase APR
35.99%*
Annual Fee
None 1st year, $8.25 after*
Credit Needed
No Credit, Bad Credit
Purchase APR
None
Annual Fee
$177.24 ($14.77 per month)
Credit Needed
Fair, Poor, Bad, Limited
Purchase APR
29.99% (Variable)
Annual Fee
See terms
Credit Needed
See terms
Purchase APR
29.99% (Variable)
Annual Fee
See terms
Credit Needed
Fair, Bad, Limited, No Credit
Purchase APR
25.24% - 34.74%
Annual Fee
$0
Credit Needed
Excellent, Good, Limited, No Credit
Purchase APR
18.24% - 32.24%
Annual Fee
$0
Credit Needed
Fair/Bad Credit
Purchase APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*

Best elite status from credit card

  • ✅ Best elite status from credit card - in Cashspotusa
  • ✅ Credit cards online!
  • ✅ Best elite status from credit card

Best electronic store credit card

If you need a loan, taking a credit card might be a good option. Because credit cards can offer you a lot of different possibilities, such as an interesting credit line, various cashback programs, or unlimited cash withdrawals. However, nowadays, in America, you can find a huge amount of different credit cards with different conditions and credit card issues. 

Best elite credit card

1. Bank of America Customized Cash Rewards

Best emergency only credit card

The first credit card that is worth our attention is customized cash by Bank of America. Obviously, when a card is coming from one of the major credit bureaus, you can be sure it will be a secured credit card with many interesting offers. And the main advantage of this card is huge cashback. With this card, you can receive 3% cashback on your preferred category (for example, gas stations), 2% on grocery store purchases, and 1% on all other purchases. 

2. Bank of America Unlimited Cash Rewards

Best emirates airline credit card

Another card from Bank of America can offer you 1,5% unlimited cash back on all your purchases. Moreover, cash advances do not expire. In general, this card can be considered the best way to earn cashback.

3. Bank of America Travel Rewards

If you like to travel, you might consider this card because it has no foreign transaction fees, as well as annual fees. Also, this card can offer you bonuses for each dollar that you have spent and a quite high credit limit.

4. Journey Student Rewards from Capital One

It is well-known that students have their own preferences and requirements, and to fulfill them, banks introduced student credit cards, and this is probably the best one of them because it has a quite good student cashback program and an annual fee, as well as foreign transaction fee.

5. Credit One Bank Wander Card

Another interesting card is coming from the Credit one bank, and it can open a credit card account without an annual fee as well as bonuses at the certain merchant and ATM locations.

6. Southwest rapid rewards plus

This card has a pretty high annual fee. However, it is still a good option because of the number of bonuses and earned rewards that this card offers. With this card, you can earn as much as 100,000 bonus points that can help you in your credit journey.  

7. Applied Bank Secured Visa Gold Preferred

This secured card can be a very good way of borrowing money because it has no credit checks as well as no minimum credit score requirements, so you would not have to bother yourself with credit approval. In addition, it has automatic reports to all three major credit bureaus.

8. Credit One Bank Platinum Visa

If you need a credit card, you can choose this card because it has a 1% cashback on eligible purchases, including everyday purchases at grocery stores and online shopping. Also, here you can choose your monthly payments.

References
  1. Installment loans license bond Nebraska Legislature
    https://nebraskalegislature.gov/laws/statutes.php?statute=45-1007
  2. PHMSA Federal Student Loan Repayment Program
    https://www.phmsa.dot.gov/foia/phmsa-federal-student-loan-repayment-program
  3. Attorney General Josh Shapiro Announces 1 85 Billion
    https://www.attorneygeneral.gov/taking-action/attorney-general-josh-shapiro-announces-1-85-billion-landmark-settlement-with-student-loan-servicer-navient/

The Indigo credit card differs from other credit cards in many ways, including the average credit limit. According to the terms of use of the Indigo credit card, the average credit limit varies from $ 225 to $ 300. The average credit limit depends on the cardholder's annual fee. Moreover, owners of the Indigo credit card do not need to make a security deposit.

Actually, redeeming visa credit card points is a very easy task that can be done by anybody in a short period of time. To do it, you have to log in to your account. There you can find a special field which is called benefits and rewards. In the section of the website that you will see, you have to click on the redeem bonuses, and the task is done.

There are different situations when a person receives the status of "bad credit", beginning with ordinary carelessness and ending with inexperience. When you have a bad loan history, we will recommend that you choose a Platinum credit card from Capital One. When applying for it, you do not have to provide information about your credit history. What is more, there is no card maintenance fee.

To be able to trace your credit card refund, you would need to acquire an ARN number from your issuer. ARN can be deciphered as Acquirer Reference Number, which is a unique combination of digits that is ascribed to your transaction while it is still processed. ARN is present for both Visa and Mastercard credit cards. By telling this number to your issuer, he or she will be able to trace your transaction’s status.

You need to activate your Milestone credit card by calling the support phone number listed on the official website or by providing all the relevant data and creating an account. After, you need to log in online to your Milestone Credit Card account and pay for the card. The Milestone Credit Card payment process is simple and convenient.

Milestone credit cards are rather widely used in all the US. However, there is still a question: is this a real credit card? And the answer to this question is plain and simple yes. Milestone has all the attributes of common credit cards. But of course, it is in a way different because it was designated for borrowers with low credit scores.

In order to start the disputing process on your Visa Credit Card charge, you need to first, contact your issuer and state your concern about a certain billing statement of your credit card, second, wait for the acquirer to contact you and ask about the correct transaction record of yours, and third, send the information from this transaction record to the acquirer. You have 60 days after the transaction took place to start disputing it.

The Indigo platinum credit card is a universal means of payment. As a rule, this credit card does not require any security deposit, and you will not be charged any monthly fee. Indigo credit cardholders need to pay an annual fee ranging from $1 to $100. It is impossible to know what charge will be assigned to a specific user before applying. Besides, this credit card does not include rewards and bonuses.

You have requested the Indigo credit card, and they approved it? It is great news. However, now you have to activate it. But do not worry, you can do it rather easily. To activate an Indigo card, you have to visit their website, log in successfully, and provide all the personal information as well as all requisites of the card. Also, you can do it via the phone.

If you want to become a member of Sam's Club, you need to issue either a credit card or a MasterCard card on the official website of Sam's Club. There are several differences between these two cards. Sam's club MasterCard has more advantages than a credit card. Firstly, it is possible to get 5% cashback on gas anywhere Mastercard is accepted. Also, if you are a member of Sam's Club, you can receive from 1% to 3% cashback from purchases with a MasterCard card. With a credit card, such opportunities are limited.

In the time of the COVID-19 pandemic, shopping online became extremely popular among Americans. And of the instruments that can improve the security of online shopping is registering your credit card with Visa. It can help you to protect your finances with the special security system which checks your identity. To do it, visit the Visa website and register your card.

The set credit limit for the MasterCard provided by Indigo equals $300. However, this limit can be reduced by the annual fee for the services. The size of the annual fee is estimated personally. So, the maximum size of this fee is $99, and your credit limit can be decreased by this sum.

Obtaining a credit card from Indigo can increase your credit score if you do not violate the terms of the credit line. It is possible because Indigo cooperates with the main bureaus estimating the credit score and reporting credit history. Thus, the provider of the card can transfer the information about you as a user of a credit card to credit bureaus and influence your credit score.

Sometimes it happens that your Indigo card says that there are no funds left on your account while paying for goods online or in a store. There are several reasons for this problem, starting from the fact that you entered the data incorrectly or reached the credit card limit, ending with more complex issues. To solve this problem, we advise you to contact the bank's employees immediately.


CashspotUSA reviews

Noah Thomas

Very satisfied with the service.

I'm very satisfied with the service. I've used it more than once and each time everything was just perfect. Thanks to it, I was able to find a company that provides the right amount of money for a certain period of time. The conditions were excellent, the confirmation process is fast, and the interest rate is favorable.

Lally Harris

I recommend!

Great service! Used it for the first time a couple of days ago to find the best conditions for a microcredit. Everything is very useful and informative. I do recommend it!

Tristan Walker

Relevant help in a quarantine

I was on leave of absence at work, and it was just summer season. I did have some savings, but I also needed something to live on. I decided to take out a small loan, but had no idea where to go for it. My friend advised me this website and I am thrilled to bits. No need to look for something else, everything is right here.

Gareth Fulton

Helped me out with my vacation

I was let down with the payment for the finished project, and I already had a grand trip to Portugal coming up. I did not want to cancel the flight, so I gave up on everything and took a loan. As a result, I had a great vacation and didn't overpay much thanks to the best deal.

Debbie Campbell

Great financial aggregator

Great platform, I really liked it. Thanks to it I managed to find the bank where I can take a fairly large amount of cash without huge interest and with the most convenient repayment schedule. It's handily that the site has a calculator, so you can evaluate everything in advance.

Shelley Derrick

No pitfalls

I needed money in a difficult situation and applied for a loan. When got other things on your mind, it is very difficult to pay attention to the nuances in the loan agreement. Because of this, I was very afraid of overpaying a lot. Fortunately, there were no pitfalls in the offer I chose, for which I am very grateful.

Gloria Johnson

Pretty nice service

Pretty nice service via which I found and applied for a loan on fairly good terms. I would like to mention the high level of service and the speed of processing my application.

Richard Fulton

Easy to get a loan

Simplified the procedure for getting a loan to the maximum. You can choose an offer, compare conditions and send applications online to several banks at once. Within a day the money can be received in the way most convenient to you.

Kiel Davis

Fast, transparent and reliable

Great service for getting an emergency loan. No extra red tape and great lending options. This is my third time using the service and I like it so far.

Linda Robinson

Definitely recommend it!

Found quick help here at a difficult time in my life. Urgently needed money to pay a bill while I being in another country. Applied for several offers at once and chose the best terms.

Agata Carrington

Everything in one place

Great service that helps you find the most profitable loan products, apply for them online immediately and get real offers. Seems like a simple task, but few places have that. Especially with such an intuitive and user-friendly interface.

Laura Dowman

I applied to several banks, but all of them refused

No one gave me the reasoning. Maybe, there was something wrong with my credit history. Luckily, on this site I was not only helped with consultation, but also quickly picked up and applied for a loan. All I had to do was fill out an application and wait for a response.