What are the easiest credit cards to get approved for :
Credit card companies offer several types of credit cards that are perfect for people who want to get insurance. One type of credit card is the student loan card, which can be used to pay for school supplies and other items you need for your studies. Another type of credit card is the car insurance card, which can be used to pay for car insurance.
There are a variety of other credit cards that are perfect for people who want to get insurance, such as the health care card or the student loan card.
Personal loans and credit cards can be used to fund many different purposes, such as:
- Buying a home or getting a college degree.
- Paying for medical expenses.
- Purchasing a car or house.
- Purchasing a new laptop or cell phone.
These are just some of the many uses of credit cards. The most common use is to pay for everyday expenses. It is very important to know the rules and regulations of credit cards. A credit card can be used for many different purposes. Credit cards are not as popular today as they were in years past. However, they still have a place in the world.
Discover credit cards:
People with good to excellent credit who want to earn cash back or travel rewards should look into Discover credit cards. But there are other options that might work better for you, depending on what you need.
If you want a card with low interest rates and no annual fee, you might want to look into a rewards card from a different company. Discover's partnerships with airline and hotel programmers may not be the best way to earn points or miles that can be redeemed for travel.
And if you want to build or fix your credit, there are secured credit cards from Discover that can help you get started. In the end, the best alternative to Discover depends on how much money you have and how you spend it. Here are seven good choices to think about.
1. Discover it® Secured Credit Card:
This is a good choice for people who want to start or fix their credit. It gives 2% cash back at gas stations and restaurants (up to $1,000 per quarter) and 1% cash back on all other purchases. You'll also get an introductory APR of 0% on purchases and balance transfers for the first eight months.
After that, the variable APR will be between 21.74% and 25.74%. The minimum credit limit is $200, and there is no annual fee. You can get your cashback as a credit on your statement or as a direct deposit into a checking or savings account.
TOP REWARDS RATES:
- 2% cash back at gas stations and restaurants (up to $1,000 a quarter).
- 1% cash back on everything else
- 0% intro APR on purchases and balance transfers for the first eight months (then variable APR between 21.74% and 25.74%).
- $200 minimum credit limit
- Fee per year: $0
- You can get cashback as a credit on your statement or as a direct deposit into your checking or savings account.
People who want to build or rebuild their credit can use the Discover it® Secured Credit Card. It gives 2% cash back at gas stations and restaurants (up to $1,000 per quarter) and 1% cash back on all other purchases.
You'll also get an introductory APR of 0% on purchases and balance transfers for the first eight months. After that, the variable APR will be between 21.74% and 25.74%. The minimum credit limit is $200, and there is no annual fee. You can get your cashback as a credit on your statement or as a direct deposit into a checking or savings account.
2. Discover it® Balance Transfer:
People who want to combine their debts should consider this option. It has a 0% intro APR on balance transfers for the first 18 months. After that, the variable APR is between 14.24% and 25.24%, and there is no fee to transfer a balance from another card. There is also no annual fee, and you can get your cashback as a statement credit or as a direct deposit into a checking or savings account.
TOP REWARDS RATES:
You can get 5% cash back on up to $1,500 worth of purchases in bonus categories each time you turn on the feature. Plus, you'll get 1% cash back on everything else you buy. And there's no limit to how much cashback you can earn.
BEST FOR:
People with good to excellent credit want a balance transfer card that doesn't charge a fee and gives them a lot of rewards.
People who want to get rid of a lot of debt can use the Discover it® Balance Transfer. It has a 0% intro APR on balance transfers for the first 18 months. After that, the variable APR is between 14.24% and 25.24%, and there is no fee to transfer a balance from another card. There is also no annual fee, and you can get your cashback as a statement credit or as a direct deposit into a checking or savings account.
3. Discover it® Student chrome:
This is a good choice for students who want to get cash back on the things they buy every day. It gives 2% cash back at gas stations and restaurants (up to $1,000 per quarter) and 1% cash back on all other purchases. You'll also get a 0% intro APR on purchases and balance transfers for the first six months. After that, the variable APR will be between 14.24% and 25.24%. There is no annual fee, and you can get your cash back as a statement credit or a direct deposit into a checking or savings account.
TOP REWARDS RATES:
- 2% cash back at gas stations and restaurants (up to $1,000 per quarter).
- 1% cash back on everything else
- 0% introductory APR on purchases and balance transfers for the first six months. After that, the APR will range from 14.24% to 25.24%.
NEGATIVE REWARDS RATES
- No fee per year
- Cash back can be used as a statement credit or directly deposited into a checking or savings account.
This is a good choice for students who want to get cash back on the things they buy every day. The Discover it® Student chrome card gives 2% cash back at gas stations and restaurants (up to $1,000 per quarter) and 1% cash back on all other purchases. You'll also get a 0% intro APR on purchases and balance transfers for the first six months. After that, the variable APR will be between 14.24% and 25.24%. There is no annual fee, and you can get your cash back as a statement credit or a direct deposit into a checking or savings account.
4. Discover it® Business Card:
This is a good choice for business owners who want to get cash back on the money they spend on their business. It gives 5% cash back in categories that change every quarter (up to $1,500) and 1% cash back on all other purchases. You'll also get an introductory APR of 0% on purchases and balance transfers for the first year. After that, the APR will vary between 14.24% and 25.24%. There is no annual fee, and you can get your cash back as a statement credit or a direct deposit into a checking or savings account.
Some of the best rewards rates for business credit cards are found on the Discover it® Business Card. You'll get 5% cash back on up to $1,500 in purchases in categories that change every quarter (after that, you'll get 1% cash back), and 1% cash back on everything else you buy. Also, there is no fee every year.
If you spend a lot of money in the categories where Discover gives 5% cashback, you can earn a lot of rewards. For example, let's say you spend $1,500 each quarter on the 5% categories. In a year, you would get $450 back in cash (three $150 checks). Since there is no yearly fee.
5. Discover it® Student Cash Back:
This is a great way for students to get cash back on the things they buy every day. It gives 5% cash back in categories that change every quarter (up to $1,500) and 1% cash back on all other purchases. You'll also get an introductory APR of 0% on purchases and balance transfers for the first six months. After that, the APR will vary between 14.24% and 25.24%. There is no annual fee, and you can get your cash back as a statement credit or a direct deposit into a checking or savings account.
TOP REWARDS RATES:
- Up to $1,500 per quarter in cash back on categories that change.
- 1% cash back on everything else
BENEFITS:
- 0% introductory APR on purchases and balance transfers for the first six months (after that, variable rates of 14.24% to 25.24%).
- No yearly fee
- Cashback can be used as a statement credit or deposited directly into a checking or savings account.
6. Discover it® Miles:
This is a good way for people who want travel rewards to get them. It gives 1.5 miles for every dollar spent, and you can use your miles to pay for travel, get cash back, or buy gift cards. You'll also get a 0% intro APR on purchases and balance transfers for the first 14 months. After that, the variable APR will be between 14.24% and 25.24%. There is no annual fee, and you can get your cash back as a statement credit or a direct deposit into a checking or savings account.
TOP REWARDS RATES:
- 1.5x miles on everything you buy
- Cash back, travel, or gift cards can be redeemed.
- 0% introductory APR for 14 months on purchases and balance transfers
NO YEARLY FEE:
- You can get your money back as a credit on your statement or as a direct deposit into a checking or savings account.
- No fees for foreign transactions
DRAWBACKS:
- Some other reward programmers are better than miles.
- A 3% fee for transferring a balance
The Discover it® Miles credit card is a good choice if you want a good travel rewards credit card with no annual fee. For every dollar you spend, you'll get 1.5 miles, which you can use for travel, cash back, or gift cards. You'll also get an introductory APR of 0% on purchases and balance transfers for 14 months. After that, the APR will vary between 14.24% and 25.24%. The only bad thing is that the miles aren't worth as much as they are in some other reward programmers.
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