By ProudMoney.com Staff

This is the cut-to-the-chase list of our Top 10 credit cards (actually 18, oops), based on overall quality, which could mean any combination of rewards, low interest rates, or other features that we choose. Which is the best credit card? We’ll give you our #1 choice, but you’ll be proud to go into financial battle with any of the others, too:

#1 PayPal Cashback Mastercard – You get 2% cash back on every purchase with this card, which is accepted anywhere that takes Mastercard, both online and offline. Your cash rebates are deposited straight to your PayPal account (you’ll need to establish a PayPal account if you don’t already have one), where you can use that cash toward online purchases or have it moved to your bank account. No annual fee and a generous, easy-to-understand rebate formula puts this newer credit card right up at the top as the everyday cash-back choice in today’s market. No foreign transaction fees, either. (The only downside is high interest rates over 20%, so don’t carry a balance!)

#2 Citi Double Cash Card – Citi unnecessarily complicates this offer, which fools some into not realizing how good it is. Bottom line: You get 2% cash back on all your purchases, provided you eventually pay them off. What that means: You get 1% cash back on the purchase as soon as you make it, then you get 1% cash back on your card balance payments. 1% + 1% = 2%. No annual fee.

If we were looking for an opportunity to work from home, these are the 15 opportunities we’d tackle first. All are legitimate stay-at-home work jobs, and this site does not receive any compensation if you choose to work with one of them. (See also: How To Make Money Without A “Regular” Job)

• Enterprise – The well-known car rental company often hires at-home customer service representatives and reservation agents who work with Enterprise customers by telephone.
• TTEC (TeleTech) – Offers work-at-home customer service opportunities. From their site: “As a TTEC@Home associate, you’ll use TeleTech’s proprietary technology to support and assist customers with a variety of customer service and technical needs. This could include helping customers over the phone, via chat, or on social media. Best of all, you can do it all while wearing your slippers or flip flops! (To get started, you’ll need internet access and a home phone.)”

Updated January 7, 2019 – Even with interest rates rising, most savings accounts still aren’t throwing off gobs of interest payments. But if you’re willing to look — and we are — you can find online savings accounts giving you more than the paltry rate your local bank is probably giving.

Below is our list of the best online savings accounts based on annual percentage yields (APY). Most have no monthly fee, but may limit the number of monthly withdrawals or have minimums to open or maintain an account.

• The CIT Savings Builder Account gives you a 2.45% APY, but only if you meet one of the following two requirements: maintain at least a $25,000 balance or deposit a minimum of $100 each month. If you can’t do that, you might still consider a CIT High Yield Savings Account that gives a 1.55% APY without having to do anything more than an initial $100 deposit. (But if you can’t hit the minimums for the 2.45% rate, you’ll find higher rates on savings from the banks listed below.)
• CIBC US – Earn a 2.39% Annual Percentage Yield (APY) on your savings. Requires $1000 minimum deposit to begin, but any positive balance after that will continue to earn you the 2.39% rate.
• Marcus by Goldman Sachs — 2.25% APY, no minimum balance, no monthly fee.

“Fair credit” is not easy to define, because different banks will treat customers in different ways. FICO defines fair credit as those having credit scores between 580-669. But some credit card issuers consider fair credit to be in a higher range, topping at about a 700 credit score. (Last year FICO said the average credit score was 704.) For our purposes, we consider fair credit cards to be in the credit score range of 600-700. The cards below accept fair credit customers, and we’ve listed them based on your chances for approval — the higher the card is on this list, the better your approval odds. But this is not an exact science! (Don’t know your credit score? It’s easy to get it for free with no strings attached.)

Open to lower end of fair credit:

• Capital One Platinum Mastercard – No frills credit card has a high interest rate of at least 22% (but possibly higher depending on your credit history) but no annual fee. No rewards. Not a great credit card, but if your credit score is on the lower end of “fair,” this might be your best shot at getting an unsecured credit card from one of the biggest card issuers.
• Capital One QuicksilverOne Rewards – Good rewards card offering 1.5% cash back on all your purchases, but it comes with a $39 annual fee and a high interest rate of at least 22% (but maybe higher).

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

When people find out I write about credit cards (and make videos about credit cards), they always ask, “What’s the best credit card?” And I always say (of course), “That depends.” There is no “best” credit card that fits every single person. However, there is a way to help you figure out which credit card will be best for you.

Who are you?

First you need to discover who you are as a credit card user. Specifically, how do you answer these questions:

• How is your credit history?
• Do you carry a balance on your credit cards?
• How much do you spend with your credit cards?
• What rewards fit your preferences and your lifestyle?

These questions are almost like a decision tree. Going from top to bottom in that list, the way you answer each question will tell you either what type of card to get or whether you should move on to the other questions. Let’s take them one by one and you’ll see what I mean.