The Verdict: The Truly Simple® Credit Card from Fifth Third Bank is a good option for making big-ticket purchases that might take more than a year to repay. Truly Simple's top perks are its 0% introductory APR, which lasts for the first 15 billing cycles your account is open, and its lack of an annual fee.
The Truly Simple Credit Card is a balance transfer card with a 0% introductory APR on purchases and balance transfers for the first 15 months. After that, the APR is a variable 11.99% to 22.99%, based on your creditworthiness. This Fifth Third Bank card has an annual fee of $0 and no penalty rate for missed payments.
Best Starter Credit Cards
What Is the Easiest Unsecured Credit Card to Get Approved For?
Get a secured credit card
It works just like a normal credit card would, and you'll also be responsible for paying off the minimum each month.
Good or Excellent Credit Required: We recommend a score of 700+ if you want reasonable odds of approval.
Good or Excellent Credit Required: We recommend a score of 700+ if you want reasonable odds of approval.
While you likely can get by without any credit cards, if you want to maintain and build a good credit history, having at least one credit card can definitely come in handy. First, you'll want at least one credit card so you can establish a record of managing a revolving credit account in your credit file.
A good APR for a credit card is 14% and below. That's roughly the average APR among credit card offers for people with excellent credit. And a great APR for a credit card is 0%. The right 0% credit card could help you avoid interest entirely on big-ticket purchases or reduce the cost of existing debt.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The best credit cards for a 550 score:
You only need “fair” credit to qualify for the Target RED Credit Card, which means it's possible to get approved with a credit score of just 620. You can see if you're in the ballpark by checking your credit score for free on WalletHub.
Yet No Comments