Choose from the top 4 credit cards

Knowing what type of credit card you want is the first step. You should know if you want a card for shopping, rewards, travel, or to transfer all your credit. Understand what kind of credit card you can get based on your credit score. Commit to paying regularly and more than the minimum amount if possible. These decisions can help in making your search for the right credit card a little less stressful.

Here are some recommendations for the leading credit cards to help you make a decision:

Wells Fargo Reflect Card
If you have a credit of 670 to 850, you can apply for a Wells Fargo Reflect Card. It offers users an extended period of purchasing flexibility for almost two years without paying interest. Salient features of the Wells Fargo Reflect card include:

Variable Annual Percentage Rate (APR) between 15.24% and 27.24%
0% intro APR for 21 months for purchases and balance transfers
Extension of intro period by three months if you pay the minimum monthly balance
No annual fee or penalty fee
A balance transfer fee of 3% for 120 days and 5% after that
$600 claim offer per year for phone repair or replacement

The card may not suit those who want to accumulate rewards on their purchases. You can consider this if you want to consolidate your debt by transferring all your credit card debt to one.

Chase Freedom Unlimited
Cash back cards allow you to earn rewards on spending and helps you to make some savings. Cash back cards may also offer sign-up bonuses. Chase Freedom Unlimited is a popular cashback card. You require credit for 670-850 to be eligible for this card. Salient features of this card include:

$200 bonus and 5% gas station cash back for new members (conditions apply)
1.5% cash back on small purchases
5% cashback on travel
3% cash back on takeout and dining
No expiry date on cashback validity
Variable APR of 16-49% to 25.24%
Intro 0% APR for 15 months on purchases and balance transfers
Redeem cash back to your checking or savings account

U.S Bank Altitude Connect Visa Signature Card
You can consider the U.S. Bank Altitude Connect Visa Signature card if you have excellent credit of 740-850 and want to buy a credit card with good rewards and benefits. Salient features of this card include:

50,000 introductory bonus points at the time of card purchase
$500 redeemable value for a spend of $2000 in the first four months
No annual fee for the first year
$95 annual fee from the second year
5x points on prepaid hotels and car rentals
4x points for travel, gas stations, or E.V. charging
2x points or regular purchases like grocery, streaming, and dining
Payment of large purchases over installments without interest
Cellphone protection reimbursement of $600
Visa signature benefits of premium service

Ink Business Cash Credit Card
Ink Business Cash credit card is suitable for people with good or excellent credit who want to buy a cashback card. Salient features of the card include:

5% cash on $25,000 on each account anniversary year on office supplies, internet, cable, and phone
2% cash on $25,000 purchases at a gas station and restaurants
1% cash on other cash purchases
Variable APR of 14.74% to 20.74%

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