Having good credit can be very beneficial if used correctly. The credit cards presented in the table below are all for good credit rating. We have worked hard to collect this information. These offers were carefully selected. You will see here only the best ones. Compare them side by side and choose what suits you most. Finding a credit card can be really easy when you come to the right place.

Best Expert Opinions

Lowest Rate for Purchases - 0% APR

American Express
Blue from American Express®

0% APR on Purchases for up to 12 months.
No Annual Fee.
2.99% Fixed APR on BT for first 12 months.
Earn 1 point for every $1 you spend.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Membership Rewards Express® program.

Make Cheap Balance Transfers

Capital One®
Platinum Prestige

Save with a 0% Intro APR until October 2009 on Purchases and Balance Transfers.
Then enjoy a variable APR, now 8.9%.
Save time and money by transferring higher-rate balances so you can make one easy payment each month.
No Annual Fee.

or (866) 554-0808

Long Low APR and No Annual Fee

Capital One®
No Hassle Miles^SM Rewards

Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on Purchases.
Save with a 0% Intro APR on Purchases until October 2009.
No expiration date on miles and no limit on the miles you can earn.
There are no blackout dates and no seat restrictions.
No Annual Fee.

or (866) 554-0808

Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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Topic: How to Establish Credit Card Good Credit

after a medical emergency, i lost my great credit. now what besides time can help me back on my feet?

Unfortunately it stays unclear whether your credit is rather poor now or not. First of all, we recommend you to contact one of these credit bureaus and order your Free Credit Report. Further on, if your credit is good, you have a possibility to apply for good credit cards, most of which have low interest rate and no annual fee; fair credit may be eligible for fair credit cards. But even in case of bad credit there is no need to worry, as many banks nowadays are willing to help people in this situation. Please look through our offer of no credit cards. We would rather advise you to apply for a secured card, that requires to have a deposit made in the same bank, as it is one of the best ways to prove your creditworthiness to the bank and repair your history, besides, you will gain interest from the deposit. Whatever the case, you should only apply for the card you may be eligible for and try to keep your balance as low as possible. This will surely help you to come back to excellent credit. All the best, Manager of Immediate Credit Card Care Service

When canceling credit cards that have a zero balance is it bad to cancel a card you have had for years? I guess when applying for a mortgage to they look at how long you have had credit cards? Also, is bad to have a high available credit?

We strongly recommend you to keep a credit card that you had for years, even if it has a zero balance. If you have no debts and bank doesn't have any problems with you, you are still building your credit history. You don't even have to make purchases with it. If you cancel the card your score will go down.

IF I CANCEL MY CREDIT CARD HOW CAN IT HURT MY CREDIT

We would recommend you not to close your old account even if you are not using it. One of the most important components of credit score is the duration of credit history. We advise you to pay off your debts and to keep an account, especially if it has no annual fee. In this case you will be building your credit score.The bank doesn't have any problem with you - so you are a responsible card holder. And if you close this card your score will go down.

What is considered excellent, good, fair, poor and no credit rating?

Your credit rating is your ability to pay. The higher the risk you don't, the less credit score you have. Excellent Credit Score is considered to be 750-850 (when you pay off your bills regularly), Good Credit Score - 660-749, Fair Credit - 620-659, Bad/Poor Credit - 350-619 (e.g. after bankruptcy) and No Credit - 349-0(for people with no credit history, for example, students). The rates are lower when you have an excellent credit. The credit limit grows along with your credit score. At our site you can choose a credit card for any credit history! Both secured and unsecured credit card deals are waiting for you.

Could you please tell me on what factors credit history is calculated? And Please tell me How can I make my credit history better?

In fact, there are several factors that may influence your credit history. It's worth saying that they may be both positive and negative. Such factors as your payment history, the length of your credit history, the way you handle credit cards influence your credit rating. In general, lenders want to see a big gap between your debts and the amount of available credit. So, the more available credit you have, the better. Try to keep your debt-to-credit ratio as low as 30%, and you are sure to see the results. The way you handle credit cards is also of great importance. Whether you pay on time or you are always late with your payments - it affects your credit history greatly.Unfortunately, you haven't pointed your current credit score, so it's not quite clear if you continue building your credit history, or you try to rebuild it. Anyway, there are some options to choose from.If you continue building your credit score, Capital One Platinum will be a good choice for you. The great thing about this card is that it comes with really low rates on both purchases and balance transfers. If you have big debts, you may consider this card for paying off your high-rate debts on favorable terms. Besides, this card has no balance transfer fee.Classic Platinum by Capital One is also great if your goal is credit score building. The strong point of this card is a 0% intro APR on purchases and a variable APR. You may also consider Standard Platinum by Capital One. Noteworthy is, this card has no annual fee and a 0% promotional APR on purchases. Check through these offers, compare them and make your choice. And keep in mind, on-time payments and a good debt-to-credit ratio will help you reach your financial goals.

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