Issuers offer different types of cards with low interest rates, balance transfer options, no annual fees, and other features. Customers can choose from different rewards and cashback credit cards, depending on their income, credit rating, and other factors. Banks and other issuers feature rewards cards with bonus categories. 
Specialty cards come with frequent traveler programs, statement credit, and discounts at participating stores. Bonus points can be redeemed for gift cards and certificates, merchandise, and more. Customers benefit from no over limit and annual fees. Customers earn points that vary based on different spending categories. Holders earn points while dining at restaurants and traveling. The type of card to choose depends on your spending level and habits, whether you pay the balance in full every month or pay the minimum only, and other factors. Consumers who spend a lot of time travelling and driving often opt for gas cards. Customers who travel a lot for business or leisure often choose an airmiles credit card. Customers are offered plenty of benefits such as cell phone replacement insurance, concierge services, and others.
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Prepaid and secured cards are usually offered to customers with tarnished credit. While the interest rate is higher compared to personal loans, this is one way to build credit. Making timely payments over a certain period helps holders to improve their credit scores. The larger the deposit made, the higher the credit limit available. Look at different options, including cards offered by big and small banks, before making a decision. There are some downsides as well, and one is that some issuers charge annual, processing, and application fees that increase the cost of borrowing.
Non-bank lenders and traditional establishments offer a variety of credit cards to new and existing customers. Clients can choose from different specialty and standard solutions, including rewards, secured, prepaid, cashback, and department store credit cards offered by Sears, The Bay, and others. This is a good choice for customers with poor or fair credit who have more limited options and seek to rebuild credit. Many department stores offer discounts, coupons, and other perks to customers. In most cases, these cards can be used in one chain or store only. Department stores such as Walmart feature cards with cash back, discounts, and other perks.