Fast Credit Card Advice

To be approved for a card with $10,000-$15,000 credit line you need to have good or excellent credit history. That means that your credit score should be over 660 FICO points. We recommend the following cards issued by Capital One:No Hassle PointsSM Rewards Credit Card. With this card you can get a credit limit of up to $20,000. It has no annual fee and a great rewards program. There is no limit to the points you can earn.

No Hassle MilesSM Rewards Credit Card. This card might also give you up to $20,000. This card is acclaimed for its excellent rewards program for travelers.

If you do not qualify for these offers because you have limited credit you can start with credit card offers with moderate credit line of about $2,500-$3,000, such as Standard Platinum credit card.

If you've never had credit cards, most probably you've got no credit. But in truth it's no big deal, especially if you're young. Some lenders offer specially-designed plastics for those who intend to build up credit, and all you need to do is to choose the one that suits your needs best.

Platinum - Visa by Capital One can be a good choice. It should be mentioned that this card is designed for those whose score varies from no to average, in other words for all those people who want to establish stable credit. The strong point of this credit offer is a low ongoing APR, plus it also offers 0% interest rates on purchases within the introductory period.

Another card by Capital One that may suit you is Standard Platinum. The great thing about this deal is that it has no annual fee, and a 0% APR on purchases.

If you are a student, feel free to consider No Hassle CashSM Rewards for Young Adults from Capital One.

This card also comes with 0% promotional rates on purchases, plus it allows earning cash back rewards on every purchase you make with the card.

Check through these options and choose the one that meets your requirements.

Probably the best way to establish credit is to apply for a credit card. Good news is that you're of age and can qualify for credit cards. But unfortunately, you haven't mentioned whether you're a student or not. The point is, you can be eligible for really great credit deals if you are a student.

So, what are your options? Platinum - Visa by Capital One is a good choice for beginners. It must be said that this card is designed for people whose score ratings range from no to average, and the chances are you'll qualify for this card, especially in view of the fact that you try to build your credit history from scratch. With Platinum - Visa, you can enjoy a 0% APR on purchases within a set period of time, plus it has really low ongoing interest rates.

Classic Platinum by Capital One is another option for you. It also comes with an interest-free period. But it should be mentioned that the card comes with a low annual fee. Plus, it gives good discounts on eligible purchases.

If you are a student, Citi Platinum Select Card for College Students will suit you requirements best. This card comes with no annual fee, a 0% APR on purchases and balance transfers, and what's more importantly, with relatively low ongoing interest rates. It's a really nice card for building good credit.

A balance transfer card that gives 0% interest rates for a long period of time and comes with no balance transfer fee is really a nice option. Sad to say, but there are no more such plastics out there, the last one was pulled from the market several months ago. So, you can find either a good plastic with 0% interest rates or a low fixed rate card with no balance transfer fee.

Discover More Card, one of the top balance transfer credit cards, can be a good choice for you. It gives 0% interest rates for 12 months. It has no annual fee. Plus, it comes with a capped balance transfer fee. It means that you will pay no more than $75 even if the balance you're going to transfer is really big. Let's say you want to transfer $5,000. When applying for the card which has no balance transfer fee cap, you'll pay a $150 balance transfer fee. With the card that comes with a capped fee, like Discover More Card, you'll pay twice as less. The difference is obvious.

More Card - American Flag by Discover also gives you a long interest-free period on balance transfers and a capped fee, plus no annual fee and unlimited cash rewards.

If you don't want to pay any balance transfer fee, Clear from American Express will be ideal for you. The thing is, this card comes without any fees at all. Though this plastic gives no 0% APR on balance transfers, it has low fixed interest rates on BT. They're really low, and if your debts are heavy, it makes sense to apply for this card.

Review the above-mentioned cards, compare them and choose the one that suits your needs most.

If you want to apply for a credit card, you must be a US resident of 18 years of age or older with a valid SSN. The most convenient way of getting a new card is to submit a credit card application online. Unfortunately, you haven't provided any information about your credit score.

If your score is near to perfect, you may review Blue from American Express. This plastic gives the longest interest-free period on purchases, and really low ongoing interest rates. Besides, you can earn rewards points when making purchases with this card.

If you are a good-score customer who's looking for the lowest interest rates, Capital One Platinum Prestige will be a good choice for you. A really low APR together with no annual fee make this plastic money offer really attractive.

In case you continue building your credit history, you may consider Capital One Platinum - Visa. The great thing about this offer is that you can enjoy low ongoing interest rates even if your score is far from ideal. Take advantage of a 0% intro APR and save a lot on new purchases.

A credit score between 350 and 619 is considered bad or poor. However, it doesn't mean that you cannot apply for credit cards online. The key is to choose those deals that require your credit history.

The following credit offers by Capital One are designed for people with limited credit history, so you have all the chances to qualify for one of these cards.

Standard Platinum by Capital One can be a smart choice for you. First off, it comes with 0% promotional interest rates on purchases, plus it has no annual fee. If you avoid carrying the balance on this card, you're sure to make the most of it!

But if you prefer to pay the minimum monthly payment, you'd better apply for a low-rate card, like Capital One Platinum - Visa or Capital One Platinum. These deals come with a low ongoing APR and 0% promo rates on purchases. Choose the card that suits your needs best!

It's very essential to restore your credit history after bankruptcy, but be careful with the choice of the card. In truth, most lenders will treat you as a high risk customer, so the best way is to start with secured credit cards. Even though they require a money deposit as a backup, you have all the chances to qualify for them. The strong point of these cards is that your spending limit will be set in accordance with the amount of your money deposit. This way, you can enjoy a high lending limit and good rates without paying much in fees and interest.

Probably you know that best balance transfer credit deals are designed for people with good and excellent credit scores. Such deals come with great 0% promo rates, no annual fee, low ongoing rates and so on. Unfortunately, you cannot qualify for such deals due to your score. But if you're carrying heavy balances on high-rate cards, there are some options for you.

You may consider Capital One Platinum and Capital One Platinum - Visa. Their strong point of these cards is a low APR on balance transfers and purchases. Carrying a balance on a low-rate card will be much easier and what's more importantly, it will speed up the process of paying down your high balances. In addition to that, these plastics come with no balance transfer fee. No need to pay anything for transferring balances from your old card to a new one.

You may also review Classic Platinum by Capital One. It also comes with no balance transfer fee and offers competitive interest rates.

Compare these offers and take your choice!

If your credit score is in a good standing, you may consider the following top balance transfer offers.

Discover More Card offers 0% APR on balance transfers within the intro period for up to 12 months. This card has no annual fee and a balance transfer fee of 3%, but this fee is capped. It means that you will pay no more than $75, no matter how big the transferred balance will be.

If you want to pay absolutely no fees, Clear from American Express will be the best choice. It gives a fixed interest rate of 3.99% on balance transfers during first 12 months. This card comes with no credit fees, and the one-time balance transfer fee is no exception.

Chase Platinum Visa comes with zero interest rates for 12 months, low ongoing interest rates, no annual fee and a balance transfer fee of 3%.

Review these balance transfer offers and choose the one that is right for you!

Making a late payment is definitely not the best idea. And unfortunately it can hurt you credit score. Judging by your words, your score has been affected. That's why you find it difficult now to apply for a new credit card.

You haven't provided any information about your current credit rating, so it's hard to say what cards you can qualify for. You may review the following credit offers and most probably you will find what you've been looking for.

Capital One Platinum and Platinum - Visa are designed for people with average credit. The great thing about these cards is that they come with low interest rates on purchases and balance transfers, plus they give an interest-free period on purchases. You can either make new purchases with this card or eliminate your credit balances on good terms.

In case you want to get more benefits from your new card No Hassle PointsSM Rewards will be a smart choice. It gives 5 points on the purchases at grocery and drug stores and gas stations, plus 1 point on all other purchases. This plastic also requires average credit, and the chances are you will qualify for this card.

Check through these credit offers and choose the one that suits your needs most.