How to Choose the Right Credit Card For You

Knowing which credit card to choose can be tough. By understanding your options and doing solid research, you can find the card that best fits your needs, spending habits, and credit score. Here are a few simple steps that can lead you down the right path.

Check Your Credit Score

Eligibility for certain credit cards depends on your current credit standing. Check your credit to start narrowing down the right card for you. Many of the requirements for different credit cards are listed on the financial institution’s website. Spreadsheets and document organization can help in this process!

Decide on the Type of Card You Need

Based on your eligibility, you can choose from cards that improve your credit, cards that save you money, and cards that earn you points. Make sure you know what you’re looking for before you start applying because hard credit checks can hurt your score. Only apply for cards you’re fairly sure you’ll qualify for.

Do Your Research

To narrow your lens, start asking yourself questions like “Do I need to build or improve my credit?” “How do I spend my money?” “What is the ongoing interest?”

If you sign up for a card without knowing the fine print, it could hurt financial situation. If you can’t meet minimums on your card signing bonus, for example, you may need to choose a different card with other requirements.

Take Your Pick!

There are still a lot of options out there once you’ve pinpointed the type of card that’s right for you.  Don’t get overwhelmed, RMLEFCU could have exactly what you’re looking for!

Classic VISA

The perfect credit card for first-time cardholders or members needing to build credit. It has reasonable rates and a 25-day grace period.

Platinum VISA Select

Great rates, free balance transfers, and no fees on cash advances with a Platinum VISA Select. It’s perfect if you tend to carry a balance on your card.

Platinum VISA with Rewards

Earn LEO Rewards on every purchase and redeem points toward travel, cash back, and cool experiences. Earn extra points through bonus categories throughout the year!

RMFLECU's Options

Make it even easier and take a look at RMLEFCU’s comparison chart where you can easily view all of our credit card options side-by-side to make the best decision for you!