Where to apply for credit cards online

When doing a search for online credit cards, you will usually find over 6 million results on any given day with Google, Yahoo, or MSN. What you will find, when clicking on the majority of these links, our credit card broker websites, with most of the credit cards being the same on each and every website.  The reason this is, is the big credit card companies, are offering commissions for every credit card application that they receive and approve.

Therefore, when you see top offers, on credit card websites, they may not be the top offers, they may be the credit card that the broker feels they make the most money off of.

The first place you should look where to apply for credit cards online, is your local or employer credit union.  Most times you will find the best rates, and the lowest fees there.  If you feel they don't have the best rates, they don't approve you, though a broker or based website is the next best place to look.

The reason is, you can find credit cards categorized by rewards such as travel or airlines, credit ratings, such as good credit or bad credit, low interest rate credit cards, and the best card for balance transfers.  These websites usually have an all-in-one approach to searching for credit card offers.

In summary, check with your credit union first, if they don't have what you looking for, and a credit card comparison website like http://www.creditimes.com will have the type of credit card you're looking for.