Credit Utilization: Multiple cards can help spread out your spending, keeping your credit utilization ratio lower, which is good for your credit score. Backup Options: If one card is lost or stolen, having others ensures you can still make purchases without interruption. ...
Capital One Savor Cash Rewards Credit Card: Best for Going out & staying in Chase Freedom Unlimited®: Best for Cash back for travel bookings Capital One Venture Rewards Credit Card: Best for Flat-rate travel rewards Citi Double Cash® Card: Best for Long intro period + 2% cash back Wel...
transfer itself doesn't hurt your credit. However, if the balance transfer card has a low credit limit and you transfer over a high amount of debt, your credit utilization ratio will go up, which could hurt your credit score. You typically want to keep your credit utilization ratio under ...
Balance transfer fee Intro rate and fee of 3% then a BT fee of up to 5%, min: $5. Foreign transaction fee 3% Credit needed Excellent/Good See rates and fees, terms apply. High flat-rate return on all purchases Intro-APR for purchases and qualifying balance transfers for a year No annu...
For example, a card with a $500 limit and a $250 balance has a 50% utilization rate, which is high. When you carry a balance that accounts for most of your available credit, a lender may consider you to be unable to pay your current debts and shy away from extending new credit to...
New cardholders also receive a 0% introductory annual percentage rate for six months on purchases and a 10.99% introductory APR for six months on balance transfers, then a 17.49% to 26.49% variable APR rates as of december 12, 2024. Another card to consider: If you want to maximize your ...
But it also does something that no other travel rewards credit card does: when you redeem your points for travel on the Chase Travel portal, 50% more value is added to your points.For example, if you redeem 60,000 Ultimate Rewards points, you’ll receive $900 in value toward your ...
If you have average credit and are looking to build up to a good or excellent credit score, it's a good idea to consider a credit card designed for average credit applicants, such as the Capital One Platinum Credit Card . Standout benefits : This card has travel benefits that can save ...
Credit score Good to Excellent Regular APR 18.24% - 28.99% variable Annual fee $0 Welcome bonus None See rates and fees. Terms apply. Read our Citi Simplicity® Card review. Our expert take Pros & Cons More Details Who's this for? If you want to save on credit card interest, ...
0% for 21 months on Balance Transfers Regular APR 17.49% - 28.24% (Variable) Rewards rate N/A Annual fee $0 Why you'll like this:With this card's intro APR offer, you'll have more than a year to pay down credit card debt.