Top Rated Credit Cards and Credit Card Applications

   What are the tope rated credit cards on the market today?  This answer is not a simple answer as the top rated credit cards will not be the same for everyone.  I cannot just recommend people fill out one or two specific credit card applications.  I wish things were that simple but as of today they are not.  If you are looking for the top rated credit card companies that would be a lot easier.  All you have to do is look for most of the major companies, American Express, Discover Card, Citibank, Chase, Bank of America, Advanta and Bank One are all good.  I would probably put them in that order as well if I was ranking them but they are all good.  Each of these companies has different cards that work best for different types of people.

  The top rated credit cards are going to change depending on your lifestyle and how you use them.  And of course, how you pay your bill each month.  If you are one of the few people who pay their entire balance off each month then you only want to be looking for a Platinum or Rewards card.  it doesn't matter what the APR is as you do not have to worry if you pay your bill off.  You just need a card that is going to give you the best benefits.  I always like the cashback cards for these types of people.  Everybody can use cash and there are no blackout periods or limitations like some of the other rewards cards.  But fill out the credit card applications for whatever rewards suits your lifestyle.

  If you do not pay your balance each month then the top rated credit cards for you will be one of the low interest credit cards.  This will ensure you pay the least amount of interest each month and save you money in the long run.  But make sure you find out what the regular APR is and not just the Intro APR.  You should be able to narrow it down to a couple of different choices.  Once you have done that, look at the other benefits each of the cards has and then you can find out which of the credit card applications you should be filling out. 

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