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*

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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. 

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1. Bank of America Customized Cash Rewards

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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

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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. Payday Lenders Program Information Portland gov
    https://www.portland.gov/revenue/payday-lender
  2. NHSC Loan Repayment Program HRSA
    https://nhsc.hrsa.gov/loan-repayment/nhsc-loan-repayment-program
  3. US Department of Education Announces Over 220 Million
    https://www.ed.gov/news/press-releases/us-department-education-announces-over-220-million-dollars-investments-government-private-and-public-sectors-support-student-recovery

Luxury credit cards are designed for people who lack unusual opportunities and offers from some credit cards. Naturally, the bank will charge a large annual fee for additional services, so these cards are needed by those who are ready to spend money for the best quality of services. We recommend registering the Platinum card by American Express or Sapphire Reserve in 2022. It has nice cashback from travel and support from the bank.

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.

The value of the limit depends on the size of the fee you should pay for usage of the Indigo services. The maximum credit limit is equal to $300 for all users of the credit cards issued by Indigo, but the fees are charged from this amount when you start to use the card.

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.

If for whatever reason, maybe you decided to close your milestone credit card, you can do it rather easily. To accomplish this task, you need to call customer service support and place a request. Afterward, the company will proceed with it. It is important to know that your account will not be closed till the balance is 0, so make sure to pay all the debt.

When you make a payment using a credit card, it cannot be processed instantly. It takes one or several business days to make the transaction from your credit account. The maximum period for posting a payment is three days. Also, the time depends on your account balance.

The Milestone Mastercard is an unsecured credit card, which is issued by people who have fallen into bankruptcy or have huge debts. This credit card is not beneficial in comparison with other credit cards. However, this Milestone Mastercard is a good option for those who need to rebuild their credit. This card has high annual fees and low credit limits, so you should not rely on this Milestone Mastercard as a daily card.

If you have decided to apply for a visa credit card, you may have a tough time worrying about it. Because you never know the results of your application beforehand. Gladly, there is something that can help you, and this is the Visa app where you can verify the status of the application using the special ID number and some personal information.

As well as other numbers written on the cards, the expiry day helps to identify your card and protect funds. This number consists of two digits where the first two mean the month and the second two — the year. Using your card, pay attention to this date because you will not be able to do any purchases with the card after its expiration.

Many people like to use credit cards while traveling, and milestone clients are not an exception to this rule. Therefore, the question of whether it is possible to use a milestone credit card anywhere is more than relevant. And the answer to this question is very positive because you can use this credit card everywhere in the world where MasterCard is present: this is more than 210 countries.

When you start looking at different card options, you will be blown away by the number of banks and credit offers. Each bank offers its own loan terms and some special offers that might be rather permanent or temporary. However, the first card should always be issued in a reliable bank such as American Express, Capital One, or BOA. We advise you to study each offer carefully and choose the best option.

The first choice of a credit card is very important. It should be very convenient to use and have a low interest rate. Moreover, it is desirable that it is issued by a reliable bank, and you can build a good credit history with this card. For these purposes, we recommend choosing a Visa credit card from Discover with special student conditions. You can get good cashback when paying for popular goods.

To be able to get a Visa Black Credit Card, you will need to have an excellent credit score (720 or higher, according to FICO), proof of your previous big spendings on other cards (no less than a thousand dollars a month), and proof of your high income and stable working position. These conditions are quite fair: to take big amounts of money from a Black card, you need to earn enough money

The work of the military is very important for the state and society, and we consider it fair to thank them for their work. Banks have also come up with special credit card benefits for military personnel. The offers vary greatly, and the benefits with discounts are also different, so we can offer you several options. We advise you to choose a gold and platinum card from American Express.


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