Four Of The Best Credit Cards Currently Available In The United States

Posted by Josephine Lim

January 21, 2010

Is improving your credit score important to you? If not then perhaps you should think again. There are a number of benefits to having a good credit score such as getting better interest rates on loans for example. But if you want to improve your rating then there are some things that you can do - there is no need to hire a specialist to do it for you.

First off, get a copy of your credit report and check it out. There may be some errors on there or out of date infractions, which is fairly common actually. These may include late payments that have actually been paid, or can even include information that does not belong to you. You need to get this sort of thing removed as it will of course badly affect your credit rating. You can get a copy of your report from annualcreditreport.com.

Another thing to check is related to identity theft. You may think that it would never happen to you, but its when you are blaze about it that you are tempting fate. Its not so difficult to steal credit card details these days so make a point of checking your statements every time they are available. Anyways, back to improving your credit rating - ensure no wrong entries are made on your report due to identity theft. Ensure also that there are no data input errors, which are not uncommon either.

- Citi Platinum Select MasterCard - being offered by Citibank, this Mastercard includes a 0% APR on purchases and on balance transfers for up to six months. Gift cards and discounts on various merchandise purchases are available. There is no annual fee and identity theft protection is a nice touch by this company.

- Capital One is offering the One No Hassle Miles Rewards which has 0% APR on purchases and balance transfers, no annual fee and one airmile is gifted per dollar spent up to $1000 a month, and two airmiles on every dollar spent above $1000 a month.

- Discover has the Discover More Card which has a 5% Cashback Bonus on expenditure upon restaurants, gasoline, travel, movies and products for the home. There is 1% Cashback Bonus for all other purchases and these Cashback Bonus are unlimited. Again, the card is 0% APR on balance transfers and purchases for up to 6 months.

- The Starwood Preferred Guest Credit Card by American Express ranks among what can be considered as the best cards currently available. For every dollar spent then a Starpoint is earned. When a total of 25,000 Starpoints are gained then these can be used for 6 nights free in various hotels around the country. That said, if you use your card with a Starwood partner then you earn 2 Starpoints for every dollar spent.

The Disney credit card is a great card all round. The Disney rewards card is an ideal compliment to your Disney World trip so check out just how much it can help you enhance your Disney trip even more!

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