5 tips on Where to apply for credit cards

Many consumers looking for credit cards on websites like Yahoo answers, and wiki answers always seem to ask the question where to apply for credit cards?

When trying to decide where to apply for credit cards, keep in mind for what you are looking for. Here's the top 5 list, of what you should think about before applying for a credit card.

1. Be aware of what your credit score is. If you have a low credit score, applying for the majority of credit cards, is only going to leave you with inquiries on your credit report, and a lower credit score, due to recent inquiries. Score is lower than 680, usually won't get you approved with the major credit cards.

2. Find a credit card that you can maximize your rewards with. If you want to save money on groceries, gas purchases, Bill pays, and more, than a cash back credit card might be for you. If you are a frequent flyer, or a traveler who likes to stay at a specific hotel, been an airline miles credit card, or a hotel rewards credit card would work for you.

3. Always read the fine print. Many credit cards will offer a intro teaser rate, like a 0% intro APR for 12 months, or no annual fee for the first year. Make sure that you're aware of what the interest rate will be after that intro period expires.

4. This is an obvious one, but never spend more than what you can pay off in a month. Credit card companies do not charge interest for the first 30 days on the balance of the ending billing cycle. Therefore you don't pay any interest, and that initial 30 days, but after the 30 days are out, you start paying interest. This can offset any cashback, or rewards that you may earn. Also, interest is just a dirty word anyways.

5. Do not close a credit card account that you do not use. Your credit score is based on how much credit you use, versus how much credit you have in total. If you close a credit card that has a $5,000 limit, you lower your total credit, which will also raise your debt to credit ratio. This, in turn, will lower your credit score.

You can find several more resources on where to apply for credit cards below

• Where to Apply for a Credit Card
• Where to Apply Credit Card
• Where to Apply for a Credit Card Online
• Where Apply Credit Cards
• Where to Apply for Credit Cards
• Where can I apply for Credit Cards

Credit Card Applications

Looking for a reliable site with Credit Card Applications?

Here are some things you should know when Applying for credit.
1. Easy to read format for comparing credit cards interest rate, annual fee, rewards and small print.
2. Breakdown of Credit Cards by type. These types are typically by rewards, cash back cards, hotel cards, gas credit cards, store cards and more.
3. Information on how to get a free credit report which your credit score will determine your interest rate. Make sure you have no inaccurate derogatory information on there.

These three things, for starters, are important for your Credit Card Applications search.

You can find more information at http://www.creditimes.com and apply there.

Apply for a Bank of Amercia Credit Card

Bankofamercia.com Platinum and Secured Credit Cards

Compare the top Bank of Amercia credit card offers from the credit cards listed below. These are the most sought after bank of amercia cards. If you are interested in more bankofamercia credit cards visit http://www.creditimes.com/bankofamercia.html for more bankofamercia cards to choose from.

Bank of America WorldPoints™ Platinum Plus® Visa® Credit Card

• 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
• No Annual Fee
• Free 24/7 Concierge Service
• Absolute Fraud Protection
• Card issued by FIA Card Services, N.A. (USA)

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Bank of America® Platinum Plus® Visa® Card

• 0% Intro Annual Percentage Rate (APR)† for 12 months on balance transfers WITH a balance transfer fee, min $10, 3% of transfer
• No annual fee
• Credit lines as high as $25,000
• Online Banking Service
• Total Security Protection®
• Card issued by FIA Card Services, N.A.

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Terms & Conditions

Bank of America® Accelerated RewardsTM American Express® Card

• 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
• No Annual Fee and the flexibility to pay over time
• Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
• Earn one point for every net retail purchase dollar§
• Access to special Cardmember offers from American Express to save on shopping, dining, travel, hotels, and much more.
• Free 24/7 Concierge Service
• Card issued by FIA Card Services, NA.

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Bank of America World MasterCard® with WorldPointsTM

• 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
• No Annual Fee
• Online account access and Points management
• Access to the MyConcierge^SM service, a unique personal assistance service
• Absolute Fraud Protection
• Card issued by FIA Card Services, NA.

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Bank of America Visa Signature® WorldPointsTM Rewards

• 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
• No Annual Fee
• Take advantage of preferred seating - Visa Signature Access gives you exclusive entry to exciting events as well as the best seats at sports, entertainment, and cultural venues.
• Reserve last-minute tables at popular restaurants - Visa Signature Dining makes it easy to get preferrred reservations, discounts, and special offers at the nation's hottest restaurants.
• Enjoy more savings and more extras - Get discounts at select merchants, valuable upgrades, and savings of up to 50% on accommodations at spectacular places. Visa Signature Privileges make it possible.
• Receive personalized assistance - From hard-to-find gifts to travel and entertainment planning, let Visa Signature Concierge handle all the details.
• Absolute Fraud protection
• Card issued by FIA Card Services, NA.

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www.thecard4you.com thecard4you.com

Thecard4you.com - Discover® Card

Thecard4you.com is an offer to the preapproved application you may have received in the mail. You can compare all the different cards at Thecard4you.com and apply for the card that most interests you.

Browse cards like the Discover® More(SM) Card, Discover® Open Road(SM) Card, Miles by Discover® Card, and many more.

Cardrsvp.com - www.cardrsvp.com Advanta Business Cards

Get the capital your business needs with the Advanta business Platinum credit cards. With large credit lines, a 0% intro APR on balance transfers, and no annual fee, Advanta can give your business the boost it needs. Cardrsvp.com is for the Advanta line of Businesscards.

Apply today at cardrsvp.com

or browse the Advanta (cardrsvp.com) offers below to find the right business card that fits your business lifestyle.

Advanta Platinum with Rewards Customized BusinessCard

• 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
• 7.99% Variable APR on Purchases
• Choice of 5% Cash Back on office supplies, gas and more*
• No Annual Fee and No Limit on Earnings
• Get employee cards with no fee and set spending limits per user
• $0 Fraud Liability
• Personalized card -- your company name on the card, plus logo or other image!

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*see Terms & Conditions for important information, benefits and limitations

Advanta Life-of-Balance Platinum Card

• 2.99% APR for Life of balances transferred within 3 months*
• Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
• No Annual Fee and No Limit on Earnings
• Get employee cards with no fee and set spending limits per user
• $0 Fraud Liability
• Personalized card -- your company name on the card, plus your logo.

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*see Terms & Conditions for important information, benefits and limitations

Advanta Platinum BusinessCard

• 0% Intro APR on Balance Transfers and Purchases for 12 Months*
• Prime + 5.99% Variable APR thereafter
• Up to $50,000 Credit Line
• No Annual Fee
• Get employee cards with no fee and set spending limits per user
• $0 Fraud Liability
• Personalized card -- your company name on the card, plus your logo.

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*see Terms & Conditions for important information, benefits and limitations

Advanta Platinum BusinessCard with Rewards

• 0% APR for 15 Months on Balance Transfers, 7.99% APR thereafter*
• 7.99% Variable APR (based on Prime) on Purchases
• Up to 5% Cash Back on office supplies, gas and more*
• No Annual Fee and No Limit on Earnings
• Get employee cards with no fee and set monthly spending limits per user
• $0 Fraud Liability
• Personalized card -- your company name on the card, plus your logo.

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*see Terms & Conditions for important information, benefits and limitations

See also http://www.squidoo.com/cardrsvp and http://blog.360.yahoo.com/blog-j3JsMYA_dLRiMWXI.EfBgOG6?p=10 or http://www.creditimes.com/advanta-business.html

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Preferred American Express offers. Apply for the American Express credit card offers pertaining to 800thecard.com, where you can earn unlimited rewards, no expiration date on rewards, and a low or no annual fee.

American Express® Preferred Rewards Gold Card

• No annual fee for the first year - $125 Thereafter
• Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!
• No Pre-Set Spending Limit
• The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards.
• Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
• Global Assist® Plus Hotline and many more benefits included.
• Express Approval. Get a decision in less than 60 seconds.

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TrueEarnings® Card from Costco and American Express

• Earn cash back on gas and a $25 statement credit with your first made with the Card.
• Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
• No Annual Fee with your paid Costco Membership
• The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
• No Limit on the Cash Back earned

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Platinum Card® from American Express

• Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year
• Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
• No Pre-set Spending Limit
• 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
• Fine Hotels & Resorts Program — exclusive amenities at boutique, resort, and luxury hotels around the world
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Platinum Delta SkyMiles® Credit Card from American Express

• Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
• Earn one companion Coach Class ticket each year upon renewal
• Earn at least 1 mile for every eligible dollar spent
• Miles never expire and there is no cap on the miles you can earn
• Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card
• Express Approval. Get a decision in less than 60 seconds.

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Starwood Preferred Guest® Credit Card from American Express

• Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.
• Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
• No annual fee for the first year and $45 thereafter
• Transfer Starpoints® - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
• Express Approval. Get a decision in less than 60 seconds.

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Delta Reserve Credit Card

• Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
• Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
• Built-in Miles Boost(SM)— earn up to 30,000 MQMs and 30,000 bonus miles
• Complimentary Crown Room Club® access for you and two guests
• Access to American Express® Concierge Services
• Pay with Miles— pay for all or part of any Delta flight with your miles

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Apply Now for a Citibank Credit Card

www.applynow.citicards.com
Apply for a Citibank credit card browse Citi Credit Card Offers. Citicards offer some of the best rates and terms for a credit card. Get a 0% annual fee for up to 12 months. Interest rates are at a competitive low rate after the introductory term is up. Transfer balances to your Citibank Credit Card.

From business to student cards, travel rewards, cash back, Compare all Citi Credit Card offers. Citibank offers Visa or MasterCard's.

The most popular Citibank credit cards are the Citi® Platinum Select® MasterCard®, Citi® CashReturns(SM) Card, Citi® Diamond Preferred® Rewards Card, Citi® Diamond Preferred® Card, and the Citi® PremierPass® Card.