Before you start shopping for a credit card, it’s important to understand your credit score, debt, and income. To maximize your chances of approval, apply for a card that fits your credit profile and spending habits.

Here’s a brief overview of the online application process for the top credit cards:

Bank Of America Credit Card

Visit the website and answer a few questions about yourself to view customized offers in minutes. Or, compare credit cards to find the right one for you. Click the “Apply Now” button next to the card you’re interested in, complete your application, and get a response in as little as 60 seconds.

TD Rewards Visa* Card

You can check out current special offers or find a credit card that has the rewards you want on the creditor’s website. Once you find a card that meets your needs, click “Apply Now” and fill out the online application form. You will receive your new credit card within 7 to 10 business days if approved.

Royal Bank of Scotland Credit Card

You can apply for a credit card online by visiting the credit card section on the creditor’s website. Compare the credit cards offered to know which one suits your credit profile and needs the best. Once you take your pick, use the eligibility checker to find out if you’ll be approved before you apply. The process takes just 2 minutes and won’t harm your credit rating.

If you haven’t already, sign up for Digital Banking. Fill out the application and you’ll receive an email and/or text message with further instructions to securely upload your information via the Hooyu online portal. Once approved, you should receive your credit card in 5 to 7 working days.

HSBC Gold Mastercard® Credit Card

Visit the website and select “Apply Now” to commence your online application. Once you submit the completed form along with all the required documents, your application will take up to two weeks to process. You will receive SMS alerts informing you about the status of your application. Once approved, you should receive your new credit card in 7 working days.

Benefits you can expect on applying for a credit card:

– Borrow money without paying interest

– Build a positive credit history

– Track your expenses

– Transfer balances to save on interest

– Be prepared for unexpected expenses

While these are some of the top cards, it’s a good idea to do your research and compare other cards as well, since they may offer excellent benefits. For instance, cards like the Barclaycard Platinum give holders additional benefits like:

– Savings on tickets, entertainment parks, and opportunities to win prizes

– Features like emergency cash that enable simple, secure payments overseas

– Purchase protection

– Protection from fraud

– Financial assistance & advice for customers struggling with money worries