Whether you’re a homebuyer, homeowner or real estate agent, there are some basics of banking that everyone should be aware of. Most people don’t carry only cash, so they either have invested in a checking account, savings account or a line of credit. The real question is which one is the best option for you?

With so many “plastic” options out there, make sure when getting either a debit card, ATM card or credit card you have a purpose behind it. Are you willing to take the greater risk of identity theft and get a debit card? Are you trying to build your credit? Do you just want to have access to a certain amount of money? Do you want the best security?

Here are three options of cards you can invest in getting, and the pros and cons of each.


Infographic by Michelle Kacerosky

Infographic by Michelle Kacerosky

And if you choose to go with a credit card, there are a variety of options of credit cards to pick from. Here is a list of some of the most common this year:

Credit card options:
-American Express Platinum
-American Express Fidelity Investment Rewards
-American Express Blue Cash Preferred Card**
-Bank Americard Travel Rewards Card
-Bank Americard Cash Rewards Card**
-Bank Americard Visa Card
-Barclaycard Rewards MasterCard
-Capital One Venture Rewards Card
-Capital One Secured MasterCard
-Capital One QuickSilver Cash Rewards Card
-Capital One Platinum**
-Capital One VentureOne® Rewards Card**
-Chase Slate**
-Chase Sapphire Preferred Card**
-Chase Freedom**
-Citi Simplicity Card**
-Citi Diamond Preferred Card
-Citi Double Cash Card**
-Discover it**
-US Bank Cash Plus

**Best options after researching a variety of banking and financial websites.


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