Acorns Review: The Best Choice For Investing?
Ready to grow your wealth? Discover if the Acorns app is worth it for you! Read our review and learn how this robo-advisor can help you invest your spare change.
By BrainFall Staff - Updated: April 9, 2024
Plenty of websites will try to tell you what is the best credit card to get for things like earning cashback rewards, flat-rate fees on all balance transfers, or credit cards for people with bad credit. But the part that they fail is finding out what you need first. Any successful salesman will tell you that selling to a buyer only matters if it is important to them, not yourself.
We created our own credit card quiz that’s designed to help you find the best credit card for you. Find the one that will best suit your needs and no one else. We cover the important things like how to build credit with a secured credit card, spending habits, and whether you’re just using it as a balance transfer card.
Answer these quiz questions to find out the best credit card for you.
Which Credit Card Is Best for Me?
Figuring out which credit card is best for you is not all that easy. Credit cards can be used to pay merchants for goods or services on credit. Or, as a promise to pay back money to a card issuer for a low-interest rate. You can use credit cards for grocery store purchases and at gas stations. Most credit cards are pretty similar before you dive into the bonus features and options.
From cashback rewards to no annual fees, consumers are given the ability to choose from a long list of credit cards to use depending on what is most important to them. This can make finding the right credit card a fairly difficult, and sometimes overwhelming, process.
Which Credit Card Is Best for Me?
Searching for the perfect credit card can feel like finding a needle in a haystack, except the needles all have different rewards programs and interest rates! We all want a piece of the plastic that's going to treat us right, whether it's miles for our wanderlust or cash back for our retail therapy sessions. Picking the right card isn't just about what's in your wallet, it’s about what's in your heart... and maybe your shopping cart.
Let's face it, with so many options swirling around, it's easy to get a bit dizzy. We've got cards that want to lure us in with points, others that promise no annual fees, and some that dangle shiny sign-up bonuses. But which one will be our financial soulmate? Fear not!
We're diving into the credit card dating pool to play matchmaker for your wallet. Think of us like the cupid of credit, aiming our arrow to connect you with the card that'll make you say, "Where have you been all my life?" Get ready to swipe right on your plastic partner—let the fiscal romance begin!
Choosing Your Plastic Sidekick: What to Consider
When we arm ourselves for the financial battleground, the right credit card is like our trusty sidekick—but choosing one requires a bit of savvy. Let's embark on this journey to find the perfect piece of plastic that not just fits in our wallets, but also snugly aligns with our life's plot.
Credit Score Conundrum
First things first: we gotta know where we stand with the three major credit bureaus. Is our credit score more heroic like 'The Excellent' or the underdog 'Good Credit'? Depending on this, our quest for the best credit cards might take us through a different path of options.
Lifestyle Fit: Rewards, Perks, and Bonuses
Our daily escapades—whether we're dining out, filling gas, buying groceries, or binge-watching—should earn us some prizes, right? Unlocking the right combo of cash back, miles, and bonus rewards can level up our spending game. We want a card that rewards our life's script, be it entertainment bonuses or travel spoils.
Fees and Rates: The Necessary Evils
Let's talk about the villains in our story: fees and rates. Weighing the annual fee against benefits is crucial. Nobody wants a plot twist with balance transfer fees or those nasty foreign transaction fees. And the APR? It can seem like the big boss at the end of a video game—defeat it with an introductory APR, or know how to battle the ongoing rate.
Card Type Matchmaking
Are we the sidekick in someone else's story (business), or a plucky protagonist on a personal quest (students)? We've got secured credit cards to help build credit, flashy travel credit cards for globe-trotters, and spry rewards credit cards for the bonus-hungry. It's a match-making game where the stakes are our financial harmony.
Something Extra: Sign-Up Incentives
Who doesn't love a little something extra? A welcome plot twist in the form of a juicy sign-up bonus can sweeten the deal. We're talking a blockbuster hit of say, 60,000 bonus points just for showing up! But remember, the best welcome offers align with our heroic spending habits.
The Fine Print Saga
Every tale has its fine print, and ours includes interest charges, balance transfer details, and other fees. Understanding this saga can be the difference between a credit fairy tale and a daunting financial epic. Scrutinize like you're looking for Easter eggs in your favorite flick.
Approval Odds and Application Angst
Lastly, we peer into the looking glass to assess our approval odds. If we're not the chosen one for a new credit card, there's no shame. Our quest doesn't end; it just means we're circling back to the beginning—with more knowledge under our belt. Does our creditworthiness have the cred? Let's make sure we ace that application without any angst!
And remember, loyal BrainFall squires, we're in this epic tale together, seeking our credit card sidekick with wisdom and a sprinkle of fun!
The Hall of Card Fame
Ladies and gentlemen, strap in your seatbelts because we're about to take you on a glorious ride through the much-coveted Hall of Card Fame! Imagine a world where every swipe and spend gets you something in return — that's what these credit card champions are all about. Whether you're racking up miles, crafting grocery lists, or fueling up on gas and fun, we've identified the cream of the crop that'll make your wallet do a happy dance.
The Travel Buff's Delight
Chase Sapphire Preferred® Card and Chase Sapphire Reserve® are like Aladdin's magic carpet for travel lovers. With fabulous perks like 2 miles per dollar on travel bookings and flexible redemption options, it's all about turning those airport lounge dreams into a reality. Capital One Venture Rewards Credit Card is another gem, giving you fantastic travel rewards, especially when booking through Capital One Travel.
Cash Back Crusaders
Raise your flags for Discover it® Cash Back and Wells Fargo Active Cash® Card, where your spending habits are rewarded with delightful cash back incentives. From flat-rate rewards to rotating categories, you'll feel like a shopping conqueror with cash rewards that just keep giving!
Feast and Fiery Fiesta: Dining and Gas
The Capital One SavorOne Cash Rewards Credit Card is a feast for the senses, offering scrumptious cash rewards on dining and gas. It's like throwing a party every time you refuel or dine out, and your wallet gets the invite too!
Grocery Gladiators and Streaming Superstars
Blue Cash Preferred® Card from American Express champions those who juggle online grocery carts and streaming marathons. Grab cash back on online groceries and select streaming services. It's like scoring points in the game of daily life.
Luxury Aficionado's Arsenal
Featuring The Platinum Card® from American Express, this is where high annual fees unlock a treasure trove of luxury. Think travel insurance, airport lounge access, and enough travel perks to make you feel like royalty.
Business Mogul's Financial Toolkit
For those conducting board meetings as casually as brunch, cards like the Capital One Venture X Rewards Credit Card bring the boardroom to the rewards realm, complete with travel perks designed for the business elite.
The Academic Wallet
Students, we see you, and so do student credit cards designed with your campus pursuits in mind. Build credit while earning points on textbooks and late-night pizza runs, because every scholar deserves a little extra credit!
Balance Transfer Maestros
Got a balance that's weighing you down? Enter balance transfer credit cards. They're the magicians that help shuffle your debt around with low or no interest, giving you that financial breathing room you've been craving.
The Mileage Marathoners
Whether it's for flights or hotel stays, the airline card is your ticket to miles galore. Every takeoff and touch down racks up points with cards like the Capital One Venture Rewards Credit Card—the perfect copilot for your high-flying ways.
Jack of All Trades, Master of Flat-Rates
Meet Chase Freedom Unlimited®, the all-rounder granting flat-rate rewards on everything from A to Z. It's like having a fairy godmother for your finances, magically turning every purchase into prize money.
The Commuter's Companion
For the city navigators and daily commuters, the journey just got jubilant. These cards are dedicated to those who keep the trains, buses, and carpools rolling, turning every trip into a tiny treat.
And there we have it — our Hall of Card Fame! Ready to find out which card you'll be taking to the championship? Come on over to BrainFall, start our quiz, and let's see which card is destined to be your lifetime MVP!
