Searching for a credit card? With so many different features and benefits to choose from, finding the best credit card for you comes down to understanding your unique financial needs and goals.
As you explore your credit card options, here are some key questions to consider:
There are many good reasons to use a credit card. Here’s a look at some of the most common:
Once you know your “why,” it’s a lot easier to narrow down the options.
Credit cards are a useful tool, but they can also make it tempting to spend beyond your means if you’re not careful.
If you’re concerned about overspending, choosing a card with a lower credit limit can help you stick to your budget while still enjoying the benefits of a credit card.
If you think you may not pay off your card in full each month, focus on finding a card with a competitive Annual Percentage Rate (APR), such as Wright-Patt Credit Union®’s (WPCU®) Platinum Low Rate Credit Card. A lower rate can help you save money on interest and make it easier to manage your balance.
On the other hand, if you’re confident you’ll pay your balance in full each month, a cash back rewards credit card could be a good fit for you. WPCU®’s Platinum Rewards Credit Card is designed to help you make the most of everyday expenses, offering a rewards rate of 1.5% on every qualifying purchase you make.† With a new Lifestyle Rewards program featuring expanded redemption options, this card is even more rewarding!
Whether you need a credit card with low interest rates or you’re looking to earn cash back rewards on everyday purchases, WPCU has smart credit card options to choose from. Let us help you find the best card for you!
Compare our credit card options and apply online or meet with one of our Financial Coaches for one-on-one help and guidance.
†Earn unlimited 1.5% cash back on every qualifying purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards.