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There's no doubt that credit cards have become an important part of today's society. And for good reason! Credit cards make buying easier - you don't have to carry around loads of cash or write a check every time you buy something. Credit cards protect you, the consumer - many credit cards offer purchase protection and travel protection that just isn't available with other forms of payment. And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.

When shopping for a credit card, there are dozens of cards to choose from. It can be somewhat intimidating to decide which credit card you should choose. Just remember that different credit cards are designed to appeal to different consumer needs. Find out what's most important to you in a credit card, and your decision becomes much easier.

To help you with your credit card decision, we've arranged several dozen credit cards into the categories below. Within each category, we've ranked the credit cards from best to worst. For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards. If you want a card that charges low interest rates, then look at the Low Interest Rate Credit Cards. Or if you're a student and just starting out establishing credit, look at the Student Credit Cards.

Once you decide on the credit card that you want, applying for it is easy. You can simply fill out online the secure form on the credit card application page. This normally takes less than 10 minutes, and typically you'll find out within 24 hours whether you've been approved for your credit card. Then your card should arrive within 5-7 days through the mail, and you'll be all set to start using your new credit card.

TopConsumerReviews.com has reviewed and ranked the best credit cards available today. We hope these reviews help you find the right credit card that meets your needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Credit Card Reviews

Bad Credit Credit Cards

Bad Credit
Credit Cards

Business Credit Cards

Business
Credit Cards

Cash Back Credit Cards

Cash Back
Credit Cards

Debit Credit Cards

Debit
Credit Cards

Low Interest Rate Credit Cards

Low Interest Rate
Credit Cards

No Annual Fee Credit Cards

No Annual Fee
Credit Cards

Prepaid Credit Cards

Prepaid
Credit Cards

Rewards Programs Credit Cards

Rewards Programs
Credit Cards

Secured Credit Cards

Secured
Credit Cards

Student Credit Cards

Student
Credit Cards

Zero Balance Transfer Fee Credit Cards

Zero Balance Transfer Fee
Credit Cards

Zero Interest Rate Credit Cards

Zero Interest Rate
Credit Cards

Zero Introductory APR Credit Cards

Zero Introductory APR
Credit Cards

How to Avoid High Interest Rate
Credit Card Charges

Despite recent laws designed to protect the credit card consumer from unfair interest rate changes on credit cards, rate increases are still a normal practice and how lenders make much of their money. There are several steps you can take to avoid paying too much interest and that can mean the difference hundreds to thousands of dollars in savings. It's highly likely that you'll have to incur some type of rate increase with your credit card but, you may be able to mitigate the impact with several of the tips below.

  • Pay attention to your credit card statements. Review the stated interest rate each and every month to make sure you know what's going on. Read any and all rate change documentation you receive.
  • The easiest way to avoid paying more interest and being accessed a larger interest rate on your credit card is to pay off the balance, each month, before the grace period ends. Most credit card issuers give you around 21 days to pay off your new purchases before you'll have to start paying interest on the balance. Interest expenses show up on your statements as a finance charges.
  • If paying off the balance isn't an option you should make bigger payments. The smaller the credit card balance the smaller the accessed interest charges.
  • Avoid making late payments. Credit card companies are allowed to penalize card holders when they aren't making payments on time. They do need to contact you and give you 45 days notice before hiking up your interest rate.
  • Be smart with promotional rates. With any new credit card, always read the fine print to find out if the initial rate is considered promotional, or short term, how long that period is and what your subsequent rate will be.
  • If you've been notified that your interest rate is going up you have a couple of options. You can call your credit card company to attempt to negotiate the rate down. If they won't budge than you can tell them you'll find another company that will. Or you can reject the change. However, that may mean you'll no longer be able to make future purchases on that card but you'll be able to pay off the balance at the current rate - saving you significantly in the long run.

As a credit card customer you need to be proactive with managing how much interest you're being charged. This will mean significant savings to you over the course of one to several years from now. Paying off charges quickly, making timely payments and working with your lender are some of the key methods to keeping interest rates down.

 

 

 

American Express tops three of five categories in Reward Canada's Top Travel Rewards Credit Cards rankings
American Express tops three of five categories in Reward Canada's Top Travel Rewards Credit Cards rankings
Publication Date: Thu, 26 Mar 2015 05:00:00 -0700

CardinalCommerce and The Fraud Practice Announce Results from 2nd Annual Survey on Consumer Authentication
CardinalCommerce and The Fraud Practice announce the results of the second annual survey on Consumer Authentication. This survey, which takes a 360 degree view of the payments eco-system, builds on the data collected last year and provides rich information on the attitudes about and adoption of Consumer Authentication today.
Publication Date: March 26, 2015

Clearent Jumps 10 Spots on Nilson List of Top Merchant Acquirers
Payment Processor Moves Up the Rankings for Fourth Straight Year
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5 Credit Card Dangers
Credit cards can be great financial tools, but like any tool, they can do damage if misused. Here are credit card dangers to guard against.
Publication Date: Wed, 25 Mar 2015 04:30:09 -0700

Length of credit history matters more when you're young
When new to credit, it takes time to boost the length of your credit history. With each new account opening, you cut your average age of accounts, so open new cards sparingly
Publication Date: Thu, 26 Mar 2015 05:00:00 -0700

In The Wake Of The Anthem Health Data Breach, LawyersandSettlements.com Interviews Online Security Expert Craig Spiezle Of Online Trust Alliance
In this age of online commerce, digital storage of medical records and personal information archived in the cloud, the security of sensitive and personal information should be of paramount concern and yet, according to Craig Spiezle of Online Trust Alliance, thats not happening. LawyersandSettlements.com interviews both Spiezle and attorney Patrick Peluso, who has filed an Anthem data breach lawsuit on behalf of consumers.
Publication Date: March 26, 2015

Plastiq Offers Convenient Option for Paying Taxes in Canada
For the first time, consumers and businesses across Canada have the convenience of using their credit cards to pay all federal, provincial, and municipal taxes with Plastiq , a first-of-its-kind service ...
Publication Date: Thu, 26 Mar 2015 05:00:00 -0700

You're about to get a new credit card ... and it's an epic failure
Read full story for latest details.
Publication Date: Wed, 25 Mar 2015 05:29:01 -0700

11 credit card charges you probably don't know
There is no such thing as 'free' credit cards. Most of the charges associated with your card are not even told upfront to you. Knowing about these various fees and charges will put you in good stead and help you use your card prudently.
Publication Date: Wed, 25 Mar 2015 03:33:20 -0700

This is the most secure credit card we've ever seen
This credit card has a battery, chip and screen to display a dynamic CVV code. The point? Stopping fraudsters.
Publication Date: Thu, 26 Mar 2015 12:21:36 -0700

Acculynk Launches Mobile Wallet Authentication Services
PaySecure helps Issuers to reduce fraud with first time card provisioning within mobile wallets
Publication Date: March 26, 2015

nQueues iA Scan Manager to Add SharePoint Integration
Users will be able to scan directly to SharePoint from any MFD
Publication Date: March 26, 2015

You're about to get a (dud) new credit card
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Publication Date: Wed, 25 Mar 2015 06:51:54 -0700

3 Gas Credit Cards That Aren't as Bad as Most (and Why You Still May Not Want Them)
NEW YORK ( MainStreet ) Gasoline credit cards have an "optics" problem with consumer advocates and consumers: They aren't typically good deals. Excessive rates: An "average APR of 24%, far above the 15% for general-purpose cards."
Publication Date: Wed, 25 Mar 2015 13:20:43 -0700

Help! An Old Credit Card Is Stopping Me From Refinancing
An old balance that was written off by a credit card issuer comes back to haunt a consumer, even though the amount owed is zero.
Publication Date: Wed, 25 Mar 2015 02:00:13 -0700

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