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Not all cards are created equal. Find the best one for your needs
What do you plan to be in 2018? Healthy, wealthy and wise? Or, another year older and deeper in debt?
For most mere mortals, managing money is a royal pain in the cash register. And managing credit can be even more vexing. But, it can be done.
First, make sure you have the best credit card for you. WalletHub reviewed over 1,000 credit card offers and came up with the best cards (and offers) for 2018. See the offers here.
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The site lists the 18 best credit cards for your particular credit situation, from excellent credit all the way down to stinky. (See full list below.) The site also includes quick links, in case you want to apply ASAP.
Choose the best credit card deals for you
As for the offers, WalletHub says the best credit card for travel rewards is the Barclaycard Arrival Plus World Elite Mastercard. (There is no annual fee for the first year, $89 thereafter, but if you travel a lot, it’s worth it.)
Best credit card for rebuilding your credit? WalletHub recommends the Discover it Secured Card, which has no annual fee, but a bad credit rating is required. (A security deposit is required and your payment history is reviewed after eight months, to see if you can transition to an unsecured line of credit.)
Best credit card for cash back? WalletHub suggests the Citi Double Cash Card. And for students, they give high marks to the Journey Student Rewards from Capital One.
If you’ve never had a card before, the site suggest the Capital One Platinum Card, which comes with no annual fee, a maximum late fee of $35 and a 25-day grace period.
Keep in mind that even the best offers for you aren’t going to be perfect. But switching cards or simply adding another one isn’t all that complicated and could pay off in the long run.
Consult an expert
If you need additional help managing your credit, make an appointment to speak with a financial advisor at your bank. You don’t have to be rich to get advice, and most banks have representatives who can help you better manage your finances. (Keep in mind, though, that when it comes to credit cards, they will most likely recommend their own.)
For additional advice check out sites like credit.com.
If you’re put off by the interest rates on loans, you may be better off with an introductory low-rate credit offer, which can hook you up for 0 percent interest for the first six months or 3.99 percent for the life of the transferred balance. (Offers differ. You have to check them out and if you don’t understand what you’re reading, ask the advice of someone who does.)
Just keep in mind that a late payment will cause your rate to skyrocket. And no one wants to start a new year that way.
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WalletHub’s best credit card deals 2018
For those with excellent credit: Citi Diamond Preferred; Barclaycard Arrival Plus World Elite Mastercard; Citi Double Cash Card; SunTrust Prime Rewards Credit Card; Club Carlson Premier Rewards Visa Signature.
Good credit: Capital One Venture Rewards; Capital One Quicksilver Cash Rewards.
Fair credit: Capital One Quicksilver Cash Rewards; Capital One Platinum.
Limited credit: Capital One Platinum; Capital One Quicksilver; Journey Student Rewards from Capital One; Bank of America Cash Rewards for Students; Bank of America Travel Rewards Credit Card for Students.
Bad credit: Capital One Secured Mastercard; OpenSky Secured Visa; Discover it Secured Card; Credit One Bank Platinum Visa.
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