What are some good credit cards?

Question

I I have medium credit, 2 out of the three report me as good and one reports me as bad. Last time I checked (I check every three months) I went down a few points because I canceled 3 store cards I hadn't used in forever.

I believe my current card has a 16.87% APR....

I pay on time ALL the time almost in full each time... I use less than half of my credit limit on the card.. the card is always with in manageable range for my income.

I'd like a card with a much lower APR, or some reward system. I also would hopefully like to get no transfer rates.

My credit Union (FFCU) offers a card but I'm not yet sure if its good. My current card is Bank of America.

I've called them and asked for a lower APR, but they don't seem to have one (for me) which ticks me off b/c I'm a good card holder.

Answer 1

American express is a good choice. The following site lists AMEX as being one of the best card to own. Try their clear cards. Make sure you have a credit score of around 700 atleast. Otherwise, you can try for citi cards. You may find the site below useful. Good luck!

Answer 2

They all rip you off, some little and some more.

So the choice is upto you

Answer 3

Bank of America is awful... Use your credit union

Answer 4

Check out http://www.ineedrates.com

Answer 5

Bank of America doesnt like to work with card holders. I switched to American Express. Its a little harder to get the card (have to have a credit score over 680) but it looks better on your report and you have several rewards plans to choose from :)

Answer 6

Check out capitol one, good luck!

Answer 7

Here is a link to some well respected credit card companies who have much lower APR's than your 16.87%.  Most have some reward system available and can transfer balances at low or no % rates:

http://www.toprankedcreditcards.us/low-i...

Also, you can apply on line and often will receive approval while on line; if not within 2 days.   Best of luck!

Answer 8

First, get AWAY from a Bank of America card.

Then look deeply into your credit union, they usually have above-average offers for their members.

If you're still not satisfied, Discover has a card that rewards you for paying on time - sounds like it might be a good fit for you. I have been thrilled with the service from them for almost a year now. Every time I call, I speak to a pleasant person right away.