It is important to choose the best card for you. There is no one “best” credit card that works for everybody. Pre-approved credit cards that arrive in the mail will always claim that theirs is the best. That is what they are supposed to do! Do your homework, and don’t go on rushing into something you know little about. Look through all the available offers and find the one that suit your needs and financial capability.
Below are a few of the top credit cards in the market. Together with them you will find their corresponding rates and fees that you have to consider when choosing the best card for you.

• Discover ® More Card – one of the main reasons that lure people into applying for the Discover ® More card is that it has one of the lowest regular APR rates, that amounts to only 10.99%. Discover ® Card offers an introductory 0% APR rate but only for a 12 month period. This card does not require any annual fees and offers a Cash Back Bonus of up to 5% depending on the purchase.

• Blue from American Express Card – This card offers its user a 15 month 0% APR period, with no annual fee and with a regular APR of only 12.24%. Blue form America Express offers an Online Instant Credit Approval. Blue from American Express also offers a free credit card reward program.

• CITI ® Dividend Platinum Select ® Card – a credit card that offers you with a 0% APR rate for 12 months and an regular of 12.24% with no annual fees. With this card you are eligible to earn 2% cash back with certain purchases. The CITI Dividend also offers unlimited cash back when you shop within the CITI Dividend Merchant Network. You also get $5 cash back for single balance transfers of $1,500 or more.

• ADVANTA Platinum – This is considered to one of the best business credit cards around. It offers a 0% APR rate on Balance Transfers for up to 15 months, with a fixed APR rate of 7.99% afterwards. This is also a card that appeals to vanity; you can have it customized with your company written on it.

Choose a credit card wisely and use it wisely too. Pick the best one for you, your family or your company. Just be aware of your financial limitations. Remember that having a credit card does not mean you get a free lunch. Every purchase you make, every swipe will end up as a bill in your mailbox. All of the cards mentioned are available for registration online.

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