
What Is a Bad Credit Score, Plus How to Fix Bad Credit
A bad credit score is a credit score lower than 499 which means you have bad credit.  FICO and Vantage are two companies that measure and
Rewards credit cards are a great way to spend money and get something back. You can use these cards to buy anything from groceries to gas. You can earn cash back, points or miles, and various other perks depending on the card. Many of these cards donât have annual fees.
Rewards Category | Factors To Consider |
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Airline, Hotel |
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Business |
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Business |
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Retail |
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Cash Back |
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General Purpose Travel |
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Luxury |
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Gas |
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If you have a tendency to spend more than you have money for, then a rewards credit card may not be a good choice, because you run the risk of incurring interest charges, which would counterbalance the rewards youâve earned.
If you want one of these cards you must have a good credit score. According to FICO score, you mustâve at minimum 670 points for good credit and 740 points for excellent credit. Learn how to improve your credit score if itâs bad.
If you donât pay your bills on time, there is no chance of getting approval for reward credit card. This is because when you pay late, you can incur fines, lose the account and even harm your credit score.
If you spend on a variety of items, a general credit card is perfect for you. However, if you use your card for restaurants, hotel stays, travel, flights, and more, a reward credit card is best for you.
The best rewards cards are perfect for people who can pay off their balance every month. They typically offer:
Rewards credit cards have some cons too. These often include:
A bad credit score is a credit score lower than 499 which means you have bad credit.  FICO and Vantage are two companies that measure and
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