So you’re in the market for a new credit card and stumbled upon Iddeal. Their flashy ads and promises of amazing rewards caught your eye, but you want to know if their cards really live up to the hype before you apply.
You’ve come to the right place. We combed through the fine print of Iddeal’s top credit cards to give you the unvarnished truth about their pros and cons so you can decide if one is right for you.
By the time you finish reading, you’ll know which Iddeal card, if any, deserves a place in your wallet. Spoiler alert: while some Iddeal cards offer valuable benefits, others have major drawbacks that make them more trouble than they’re worth.
Ready to separate the wheat from the chaff and find your new go-to credit card? Let’s dive in.
An Overview of Iddeal Credit Cards
Iddeal credit cards offer some attractive benefits if you’re looking for a new card. Let’s take an overview of what they offer and how to apply.
An Array of Options
Iddeal has credit cards for almost every need. They offer cards for travel, cash back, balance transfers, students, businesses, and bad credit. No matter what you’re looking for in a card, Iddeal likely has an option for you.
Generous Rewards and Perks
Many Iddeal cards offer great rewards and perks. Their travel cards allow you to earn points or miles to use for free flights, hotels, and more. Cash back cards give you a percentage of your spending back. Some cards also offer benefits like airport lounge access, travel insurance, purchase protections, and extended warranties.
Easy Application Process
Applying for an Iddeal credit card is simple. You can apply on their website, which only takes a few minutes. Make sure you have personal information like your Social Security number, annual income, and address handy.
Iddeal uses a soft pull for pre-approval to check your eligibility without hurting your credit score. Once approved, most people receive their new cards within 7 to 14 business days.
With competitive rewards, valuable benefits, and a straightforward application process, an Iddeal credit card could be a great addition to your wallet. Check out their website to explore all the options and apply for a card that matches your needs. Happy shopping and safe travels!
The Pros and Cons of Iddeal Credit Cards
The pros of Iddeal credit cards are pretty straightforward. You’ll earn rewards on all your purchases, whether it’s 2% back at restaurants or 3% on travel. They offer sign-up bonuses worth $200 or more in cash back if you meet the minimum spend in 3 months.
Easy redemption
Redeeming your cash back for gift cards, travel or a statement credit is a breeze. No complicated point systems to figure out.
No annual fee
Most Iddeal cards have no annual fee so the rewards you earn are truly free money. The only exception is the Premium card which waives the fee the first year.
The potential downsides to keep in mind:
- Interest rates can be high if you don’t pay in full. The APRs on Iddeal cards typically range from 15-25% depending on your credit. So avoid interest charges by paying on time and in full.
- Limited travel perks. If you want premium travel benefits like airport lounge access or TSA PreCheck credits, Iddeal may not be for you. Their rewards are primarily cash back.
- Approval may be difficult for some. Iddeal looks for good to excellent credit, so those with little or bad credit history may not qualify. Check your score and reports before applying.
Overall, Iddeal credit cards are an easy way to earn valuable cash back rewards with no annual fee. As long as you use them responsibly by paying on time and keeping low balances relative to your limits, an Iddeal card could be a great addition to your wallet.
But make sure you go in with realistic expectations about the rewards and perks. For simple cash back with no strings attached, Iddeal delivers.
Apply for Iddeal Credit Card
To apply for an Iddeal credit card, here are the steps to take:
Gather Your Information
Before you start the application, gather some key details to have on hand like your:
- Full legal name
- Home address
- Social Security number
- Annual income
- Bank account info (for payments)
Check Your Credit Score
Your credit score determines if you’ll qualify for a card and impacts your approval odds as well as your APR and credit limit. Check your latest scores for free on CreditKarma.com to see where you stand. Scores of 670+ are ideal for approval.
Choose a Card
Browse Iddeal’s credit card options on their website to find one that suits your needs. Compare rewards rates, APRs, annual fees and benefits to determine the best fit based on your spending and payment habits. The Iddeal World Travel Card or Iddeal Cash Back Card are great for most people.
Apply Online
Applying for an Iddeal card is quick and easy. Just go to Iddeal.com, click “Apply Now” and fill out the online application with the info you gathered. The entire application should only take about 10-15 minutes. Iddeal will review your application and credit report to verify the details.
Check Your Status
Iddeal will notify you of your application status, typically within 14 business days. You can also check the status on their website by providing some personal details. If approved, your new Iddeal card should arrive in the mail within 7 to 10 business days. Activate it immediately and you’re ready to use your card!
Following these straightforward steps will set you on the path to enjoying an Iddeal credit card and all its benefits. Good luck with your application!
Conclusion
So there you have it, an overview of some of the best credit cards currently available and how to get approved for one that suits your needs. While the application process can seem tedious, the rewards and benefits of the right card make it worth the effort.
Do your research, check your credit score, review the fine print, and apply with confidence knowing you’re making a choice that will benefit you for years to come.
Who knows, with responsible use and on-time payments, that iddeal card in your wallet could be the start of an exciting new chapter in your financial journey. The opportunities are out there – now go get ’em