Best Credit Card Companies

To legally improve your credit, it may help to know the best credit card companies to work with. Whether you?re looking for a list of credit card companies, a list of secured credit cards, or a list of bad credit credit cards, you need to know how to choose the right credit card for you.

But first, to determine the best credit card companies, understand that there are different types of credit card companies and organizations that issue credit cards.

In addition to banks like Citi, Chase, and Bank of America, there are also credit card companies like American Express Financial Group that issues the American Express card and Novus that issues the Discover Card.

The credit card companies compete on interest rates and approval criteria. However, some credit card companies specifically target credit card applicants based upon credit scores, special interests, income, spending needs, and even your age.

Here are some things to consider when selecting the best credit card companies for you:

  • Why you want the credit card in the first place? This is probably one the most important considerations. Why? Well if you?re trying to rebuild credit, you may need to select from a list of bad credit credit cards, or a list of secured credit cards. If you?re planning on transferring your credit card balances for purposes of credit card debt elimination, a list of low interest rate credit cards may work best for you.

  • How much you will need to charge each month? Sometimes I advise our clients to use a credit card only for necessary purchases like gasoline or groceries. Then pay the balance in full each month to help legally improve your credit scores. So depending your budget, you may need a credit card with a large enough spending limit for this one of many credit improvement strategies.

  • How much of the balance do you plan to pay each month? It?s usually a good idea to keep your credit card balances below 30% of the credit limit to help legally improve your credit scores. So it may be better to payoff your credit card balances in full each month. Or based upon your credit card debt elimination plan you may need to payoff your credit card balances over a few months.

Please find below a list of cards that we think are above the rest.




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