1. 2. Discover® Card Discover® More Card 5% Cashback Bonus. 3. Discover® Card Discover® More Card - 18 Month Promotional Balance Transfer 0% APR for 18 Months on BT.

1. HSBC Bank Nevada Orchard Bank® Classic MasterCards Low Annual Fee. 2. 3. HSBC Bank Nevada Orchard Bank® Visa® Cards Reports to 3 major Credit Bureaus.

Answering your questions is our job and we love it!

This question is rather difficult to answer. We need to know your credit history and your financial needs. What is good for one person is not necessarily good for another! Some customers are looking for credit repair or juicy rewards programs, others want to transfer their balance and shorten the life of their debt.

If you want "all in one" credit card, then pay attention to your credit history. People with low scores can't expect to qualify for the same offers as people with excellent rating! But you can find best offers in every group of cards designed for a particular type of score. Let's have a look at these applications.

People with excellent score will definitely like No Hassle MilesSM Rewards card from Capital One®. It has all necessary features that people want to have in a credit card: zero introductory APR on balance transfers and purchases, no annual fee, and a fantastic rewards program. You will earn more miles than regular travel cards offer - 1.25 mile per dollar spent! There is no limit on the number of miles you can earn.

Good credit? Consider Citi® Platinum Select® Card® from Citibank. It has 0% interest rates on balance transfers and purchases, a low ongoing APR, and no annual fee. These features will help you significantly reduce your borrowing costs! Plus, you can use free online services, for example account management or automatic payments. It is an excellent option for people who like to do most of their banking from home!

If you have fair rating, than your best choice is Platinum card from Capital One®. This offer is as profitable as plastics for consumers with good credit history - it comes with 0% intro APR and low ongoing interest rates! You can also personalize the card with the image of your choice, get exclusive shopping discounts and save up to 40% on featured items.

You can apply for a credit card even if you have less than average credit history. But you need to select the right offer to get approved. Start building your credit with Capital One Bank! It provides a number of credit cards designed for young adults who have "limited" or no credit history. Consider applying for Platinum - Visa card. It is an excellent match for people who are looking for a manageable credit line and low interest rates. But keep in mind that you need to have a job and stable income to qualify. If you are a student, your good choice is Citi® Dividend Platinum Select® Card for College Students from Citibank. You'll enjoy no annual fee, 0% intro rates and a lucrative cash back rewards program. You can also manage your account online, set up automatic payments and put your own photo on the card. In case you are not a student and you do not have stable income, we offer you to start up with a secured credit card. Pay attention to Secured Visa® Credit Card issued by Applied Bank®. It is easier to qualify for this plastic because you compensate for high risk by depositing money into a savings account. The amount of deposit will be your spending limit. A secured card helps build credit quickly because it reports to the major credit bureaus.

The expenses associated with cash advance option are very high. You need to pay cash advance fee (about 3%) and APR. Most lenders impose much higher interest rates on cash advances than they do on regular purchases. Just compare: a very beneficial Platinum Prestige card from Capital One® offers 8,9% ongoing APR on balance transfers and purchases and 22.9% APR on cash advances!

If you are looking for more beneficial terms on cash advances, apply for Virgin Atlantic American Express® card - White from Bank of America. It offers a 0% introductory APR for the first 6 billing cycles on cash advance checks, purchases and balance transfers. In addition, you can benefit from no annual fee and excellent frequent flyer rewards!

Clear from American Express® is a good choice for people who want to avoid cash advance fees. This offer can be considered as "no fee card" because it also has no annual fee, no late fee, no overlimit fee and no balance transfer fee. Beneficial cash back rewards program will let you earn some extra money. Save as much as possible with Clear card!

Balance transfer credit cards are a perfect choice for people who want to cut down their interest rates and pay off their debt faster. The main features you should compare are interest rates and the length of the introductory period. If you your budget doesn't allow you to eliminate your balance in full within the interest-free period, than choose the plastic that has the lowest ongoing APR.

Having a balance transfer fee is not the reason to get disappointed. It can be a fair price to pay in comparison with how much money you can save in the long run! A credit card with no annual fee and a 0% interest rate on balance transfers can be more beneficial than plastic with just a low balance transfer fee.

In order to help you make the right choice, we selected 3 credit cards with the longest introductory period. If you have excellent credit, consider Platinum Prestige card issued by Capital One®. It has no annual fee and a long 0% introductory APR on balance transfers and purchases. You will have enough time to shorten the life of your debt! Balance transfer fee is 3%.

If your score is good to excellent, then your match is More® Card from Discover®. It offers zero introductory APR for up to 12 months. You can also enjoy no annual fee and 5% Cashback bonus! It is a wonderful opportunity to get back a part of your expenses. But keep in mind that balance transfers don't qualify for the rewards.

Platinum Visa® from Chase bank is also designed for customers with good to excellent credit. It comes with a 0% introductory APR and no annual fee. This offer will help you minimize your borrowing costs! Balance transfer fee is 3%.

Cash back program is an excellent feature that can make your plastic very profitable. The rewards will help you eliminate a part of your debt or cover some borrowing costs.

There are many tempting cash back offers on our site, so it can be difficult to find the most suitable one. We have chosen 3 credit cards that can help you achieve your financial goals.

Blue Cash® card from American Express suits people with good to excellent credit. You can earn up to 5% cash back on everyday purchases made at U.S. supermarkets, gas stations and drugstores, and 0,5 -1,5% on all other purchases. Plus, the card offers a 0% introductory APR on purchases for up to 12 months and no annual fee.

No Hassle CashSM Rewards card from Capital One® is designed for people with a good credit score. You can get 2% cash back on the purchases made at major grocery stores and gas stations and 1% cash back on all other purchases. There's no limit to the amount of the rewards you can earn. Such features as no annual fee and a long 0% introductory rate will help you pay off your debt with minimal additional expenses!

Citi CashReturnsSM Card from Citibank requires good or excellent credit rating. You can earn 1% cash back on every purchase you make and 5% additional cash back at 400 popular merchants within the Citi Bonus Cash Center. Moreover, the bank offers a 20% bonus on the cash back rewards that you earned during the first twelve months. It will help you fatten your savings!

The results of your credit check are very surprising. The difference between your scores is very significant. Typically, it is 10-30 points. In your case it is nearly 150! According to the first result, you have good credit. The second score shows that your score is poor!

Due to this strange difference, it is very difficult to offer you a suitable credit card. We don't know what score the lenders will take into consideration. If we offer you a card for good credit, but the bank decides that your score is poor, you may not qualify.

The best solution for your situation is to request your credit reports from all 3 credit bureaus and check the information carefully. You need to understand why your scores have such a big difference. You may find errors, out-of-date information and even accounts that you didn't open.

Then, we guess that one of the credit scores you noted is not FICO. Some credit bureaus have their own scoring formulas, for example VantageScore. Find which credit score is FICO and choose an application according to it.

If you have 660-749 points, it means that your credit is good. Consider Citi® Platinum Select® Card® from Citibank. It has a very low finance charge. You will enjoy no annual fee and zero introductory rates on balance transfers and purchases. They last up to twelve months.

If you have 620-259 points, then you have fair credit. In this case your best choice is Capital One® offers. Pay attention to Classic Platinum card - it has a low annual fee and a competitive APR.

Having 350-619 points mean that you are eligible for bad credit offers. One of the best cards in this group is Centennial Gold MasterCard®/Visa from First PREMIER® Bank. Its main advantages are an extendable spending limit and a low APR on purchases. The bank monthly reports to 4 major credit bureaus, so you will have an opportunity to improve your rating.

Both cards that you mentioned are equally good. In the first case you will need to pay a $270 balance transfer fee and a zero APR. In the second case you will need to pay a $269.1 APR for a year and no balance transfer fee. This tiny difference (less than $1) isn't worth to pay attention to.

If you want to make a more thorough comparison, take into consideration other credit card features. Some people are so impressed by a low APR that they don't notice an annual fee or a high interest rate on purchases. If there are any additional charges, it is important to find out what they're for, whether you need them and how much you would have to pay.

Look for offers that provide no annual fee. It will help you save up to $100 a year! If you have excellent or good credit, you will find them without any problems. Consider Platinum Visa® from Chase Bank or Platinum Prestige card from Capital One®. They come with a 0% introductory APR on balance transfers and no annual fee.

If you are planning to make purchases with your new plastic, compare interest rates on purchases and rewards programs. If you have debt, it doesn't mean that you have to double it! For example, More® Card - Clear from Discover®, designed for excellent or good score, offers a 0% introductory rate on purchases and balance transfers, 5% Cashback Bonus and a $20 Discover gift card. This card will be a real treasure for your wallet!

Having a credit card with a low spending limit doesn't affect your credit score. Credit bureaus take into consideration your payment pattern, utilization ratio, the length of your credit history, the number of new inquiries and the types of credit that you have.

There is only one possible negative aspect of low limits that you should keep in mind: you can easily max out your spending limit. It will hurt your credit score. Try to keep your balance less than 30% of your available credit.

If your FICO score is 702 points, it means that you have significantly improved your credit rating! Congratulations! Now you can qualify for good credit offers. They come with much better features and terms than secured cards. Have a look at Citi® Platinum Select® Card® from Citibank. It comes with no annual fee and a 0% introductory interest rate on balance transfers and purchases. Free online banking services will help you manage your account online and set up automatic payments.

More® Card from Discover® is a good match for people who want to have a beneficial rewards program. You will earn 5% Cashback Bonus® in such categories as travel, home improvement stores, gas, groceries, restaurants, movies and many others.

Blue card from American Express® suits people who want to use their plastic for shopping. It offers no annual fee and a 0% introductory APR on purchases for up to 12 months. An attractive point rewards program will let you earn 1 point for every $1 you spend. The points that can be redeemed for gift cards, hotel stays, merchandise, and unique entertainment experiences.

If you are not sure that your credit rating is high enough to qualify for good credit offers, you may check you FICO score from all the three credit bureaus. It should be 660-749 points.

If you don't know your credit score, there are several ways to find it out. You can request your credit report from the three major credit bureaus - Equifax, Experian and TransUnion. By law, they must give you access to your credit report once a year at no charge. Plus, there are numerous small agencies that provide the same service for a fee. When you get a copy of your credit report, make sure that you truly have no score. You can find that because of a cell phone account or a car loan, you actually do have some entries in your credit file. It maybe just a couple of payments, but it is better than nothing. The next step is to apply for an appropriate credit card. You can't live on a cash-only basis if you want to build a solid FICO score! You need to show a borrowing and payment activity in order to get your report updated. If you have 0-349 points, it means that you have limited or no credit history. The lack of financial experience is always associated with higher borrowing costs. But don't give up. On our site you can find offers that will help you improve your credit score at affordable terms! Consider applying for Platinum - Visa card from Capital One®. It offers low interest rates and exclusive shopping discounts. But keep in mind that you need to have a stable income and some FICO points to qualify for this card. If you do not have any payment records, then you can apply for a secured card. You will be approved regardless of your income and score! Pay attention to Secured Visa® credit card from Applied Bank®. It comes with an extendable spending limit and a low fixed interest rate on purchases! You will have to secure the card with a cash collateral deposit that will be equal to your spending limit. People with 350-619 points are eligible for bad credit offers. Look at MasterCard®/Visa from First PREMIER® Bank. There is no need to worry whether your application is approved or not - you will receive a response in 60 Seconds! The bank monthly reports to 4 major credit bureaus. It will help you build a solid credit score if you use your plastic wisely.

Moving a balance from a high-interest credit card to a less-costly plastic is a good decision for people who want to pay off their debt sooner. Why spend hundreds of dollars on interest payments when you can use your money more efficiently? You can even consolidate your two debts on one plastic. It will simplify your money management - you will have only one monthly payment rather than several ones to worry about.

The best balance transfer credit cards are designed for people with good to excellent credit score. Look at More® Card from Discover®. It offers a zero introductory rate on balance transfers, no annual fee and cash back rewards. But keep in mind that you need to pay a balance transfer fee. It is 3% - less than $100 if you transfer both balances.

Clear card from American Express® has no balance transfer fee, no annual fee, no cash advance fee, no late fee and no overlimit fee. It features a low fixed APR on balance transfers and a cash back program.

If you have average score, than your perfect choice is Platinum card from Capital One®. Contrary to most other offers, this card has a profitable low interest rate.