How to get the Best Credit Cards
Posted On July 26, 2021
Here are some tips for getting the best credit cards and credit cards gift cards.
Use the right credit cards.
While some cards offer a $500 or $1,000 cash back credit card to spend on travel or other purchases, most offer lower rewards.
The best credit card gift cards are the ones that offer a high-interest credit card and a credit card bonus.
If you’re looking to make a lot of cash, a $1 or $2,000 gift card may be a good choice.
Find a credit union.
Credit unions have many perks.
You can get a 10% discount for online shopping, a 10x or 25% cash back on purchases, and a bonus of up to $200 per month.
You also can take advantage of the interest rates and fees on these cards.
If that’s not enough, you can earn even more cash back for every dollar you spend by making regular card payments.
Look for a good credit card.
Some of the best gift cards come with a $5,000 bonus or more.
They’ll give you a credit of at least $2.00 and earn a 10X bonus on all purchases.
Some are even better, such as a $10,000 or $20,000 offer.
Choose the right card.
Don’t settle for one that offers too little or too much.
There are so many great gift cards on offer at any given time, and it’s important to pick the right one for you.
This could be a $250 gift card or a $2 a month bonus.
Here are the best cards to look out for.
Make sure your credit score is good.
You’ll need a credit score to shop for gift cards and to qualify for some other rewards.
For example, if you have a good score, you’ll get more cashback rewards, and if you don’t have a bad score, your cashback will be lower.
If your score is low, you may want to consider a lower-value card such as an AA card.
Make an effort to use your card frequently.
You may want a cashback card for just a few months at a time, or a gift card for your entire life.
Make the most of the bonus, and don’t get stuck with a bad balance.
Know the limits.
Most credit cards require you to pay off the balance every year.
If the balance is less than $3,000, you’re out.
If it’s $5 or more, you have to pay it off before it expires.
Most gift cards also require you pay off balances every three years, so keep your balance under $5.
Keep your balance low.
If something goes wrong with your credit, the balance may go down.
If there’s no cash in your account, you could lose it all.
Make regular payments to your credit card until you’ve paid off the credit card balance.
Get the best deal.
While it’s tempting to spend more, be aware that there are a lot more gift cards out there that offer better rewards and offer higher fees than you’d expect.
For instance, you might want to look for a card with a 10,000-point cash back, or perhaps a card that offers an extra $50 per month on a $300 purchase.
Also, make sure to pay your bills and make sure you have sufficient cash on hand to cover all your other bills.
Avoid gift cards that expire or have bad rewards.
Many credit cards have an expiration date, meaning the card will expire on the first day of the next month, which could be in June or July.
The reason for this is to limit your rewards if you spend more than your limit.
For more on how to avoid gift cards, read our article How to Avoid Gift Cards With Bad Rewards.
Look at other options.
Many gift cards offer other great rewards.
There’s the 5X gift card that gives you a $100 gift card with the purchase of $50 or more in purchases.
There’re also gift cards with rewards for a variety of purchases.
For a list of the top gift cards available now, check out our list of best gift card offers.
Read the fine print.
Make certain you understand what’s going on with your card.
If any of the rewards or cash back offers don’t apply to you, you should definitely review the fine text on the card before signing up. 13.
Consider switching cards.
Some cards offer rewards for some purchases.
When you do, consider switching cards and getting the gift card you really want.
If none of the offers are good for you, consider swapping cards to get something better.
You might even get the card you want, and save money.