Top Card Picks

Top Card Picks

Top Card Picks offers a fast way to apply for a wide selection of credit cards all in one place. Whether you have fair, poor, good or excellent credit, you can qualify for and receive your credit card with the best interest rates and rewards offers available. There is no need to pay an annual fee just because you do not have a perfect credit score.

Top Card Picks Overview

When you apply for a credit card at Top Card Picks, you have your choice of the best deals on Visa, MasterCard and Discover cards with interest rates to match any credit history. All you have to do is fill out a short, informational form, select a card from the list and submit your application. Your results are sent to your email address, and anyone at least 18 years old can apply. Top Card Picks has been featured on CNBC, CNN Money, The Wall Street Journal, Bloomberg and Yahoo News. It is the easiest and fastest way to apply for the credit card that’s perfect for your budget and your lifestyle.

Top Card Picks has a simple customer service philosophy; a credit card can make a big difference in your monthly bills and expenses, and it can help you afford the items you would otherwise have to spend months saving up to be able to afford. The website has an efficient layout and helps people make important decisions about applying for a credit card and planning to incorporate an increase in spending into their lives. All the answers you need are easy to find right on the website, and you can review all your options while you compare cards and apply for the ones that fit your lifestyle. There may not be any such thing as a perfect credit card for every person, but Top Card Picks has the resources to find the card that complements your finances and personal goals.

It is not necessary to have good credit to be approved for a credit card from Top Card Picks; applicants with damaged credit are eligible for a secured card that can help them reestablish their credit and, over time, reduce their repayment rates and monthly bills. Before accepting a credit card offer, it is best to decide whether you’ll pay your balance in full each month or pay it off slowly over time. This answer will help you make a decision on the best credit card deal for your situation. Cards with low-interest rates give you lower monthly bills, but they typically come with fewer rewards offers. If you plan to pay your balance in full each month, it is better to choose a card that comes with spending rewards so that your balance never gets so big that interest piles up on you.


PROS:
  • Information at your fingertips: Top Card Picks gives you all the information you need about each card offer to make an informed decision. You’ll know exactly what rewards are offered as well as the interest rate and any penalties.
  • Convenient application process: All you have to do to apply for a card is fill out the simple data form and turn it in. You will receive a confirmation email with the result of your application soon after turning it in.
  • Options for people with bad credit: Even if you do not have a great credit history, you can get a secured card with low monthly fees. Having a credit card helps you afford items you need when you need them rather than saving for months.
CONS:
  • Weighing your options: You must choose between a card with a low-interest rate and one with substantial spending rewards. If you are a person who often spends but makes infrequent payments in lump sums, this trade-off can be a disadvantage.
  • Wait time: After being approved for a card, you typically have to wait for one to two weeks to receive it in the mail, and after receiving your card, you must call the number on the back of it to authorize it before the first use.
  • The monthly fee for secured cards: Although it is helpful to have a credit option when you have damaged credit, a monthly fee can be an extra burden when you are trying to reestablish credit.
Top Card Picks

Top Card Picks offers a fast way to apply for a wide selection of credit cards all in one place. Whether you have fair, poor, good or excellent credit, you can qualify for and receive your credit card with the best interest rates and rewards offers available. There is no need to pay an annual fee just because you do not have a perfect credit score.

8.1 Total Score
Top Card Picks Review

Top Card Picks is one of the best places to review and apply for credit card offers all in one place. The website makes weighing your decision as convenient and straightforward as possible, and the application process is entirely painless. You'll receive an answer right away, and you never have to sign up for a deal you do not want or don't fully understand. The description and outline of terms of each card ensure that you know exactly what to expect, and the generous offers for applicants with imperfect credit make Top Card Picks one of the best places to apply for a secured credit card. The process is easy, informative and takes just minutes.

Chance of Approval
8.5
Ease of Application
9
Variety of Offers
9
User Rating: 3.7 (2 votes)