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What credit card should you get when your credit has been steadily improving?
For those with bad credit, chances are that you will have several subprime credit cards like the Orchard Bank MasterCard or the First Premier Bank Credit Card. While these cards gave you an opportunity when you had bad credit, they have annual fees, monthly maintenance fees and higher rates. Now that your credit has improved (probably over 600), you should be looking at regular unsecured credit cards from mainstream credit card issuers. But which card should you get? And which cards are the easiest to get when you have a bad credit history but have improved your credit scores. Below are a few cards that readers and interviews with others have shown to be "relatively easier to get". There are no assurances that you will get approved, but try starting with these cards first.
Recommended Cards
The Capital OneŽ No Hassle CashSM Rewards is ideal for those who with average credit history. This card gives you 1% cash back on everything you buy from day one, as well as a 25% annual bonus on the cash rewards you've earned during the year. There is no limit on the cash rewards you can earn and no expiration date on your cash rewards for the life of your account. This card comes with an annual fee of $29.00. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital OneŽ Saving ZoneSM on Yahoo! Shopping.
The Capital OneŽ No Hassle PointsSM Rewards is an ideal card for those with average credit history who want to earn reward points. With this card, you can earn 5 points for every dollar you spend at gas stations, major groceries and drugstores and one point for every dollar you spend on other items. You can earn unlimited points which will not expire. This card has an annual fee of $29.00, but comes with a 0% introductory offer for balance transfer. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital OneŽ Saving ZoneSM on Yahoo! Shopping.
The Chase Platinum Visa or Mastercard is a basic platinum credit card from Chase which you should consider getting. This is a basic credit card with a 0% APR balance transfer offer and your APR will vary according to your credit history.
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