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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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2016

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.

 

 

 

6 Lessons College Students Should Know About Credit Cards

Consider me a concerned friend. Concerned? Oh, I'm concerned because it seems like just a minute ago I was telling parents about the lack of knowledge many of you seem to have about credit, in general, and I recently just found out this illiteracy extends ...

Published:  Thu, 28 Apr 2016 08:39:00 GMT



You're Applying for Credit Cards at Exactly the Wrong Time

Going on a big trip in a few weeks and just applied for a sweet travel rewards card? You'll never use the latter on the former. Personal finance site NerdWallet reviewed credit card data culled from its site and pulled card application rates for January ...

Published:  Sat, 30 Apr 2016 05:09:00 GMT



Good news! Foreigners, NRIs can now book train tickets in India using debit, credit cards

New Delhi: Here's is a good news for foreigners and NRIs. Now, they will be able to book train tickets in India online by using international debit and credit cards through IRCTC website. Till now foreigners and NRIs could book their train tickets in ...

Published:  Fri, 29 Apr 2016 21:09:00 GMT



Op-ed: Credit cards: Love them and hate them

This is a positive take on credit cards. You don't see those very often. Everyone wants to dump on debt, and there are reasons to do so. On the other hand, credit card debt can assist almost anyone in reaching certain goals. It is important to note the ...

Published:  Fri, 29 Apr 2016 10:48:00 GMT



The 5 best store credit cards

It may be tempting to impulsively sign up for a store credit card to get a quick discount, but you can get more out of your rewards - and avoid big interest charges - if you're strategic. If you're a regular shopper at a store with a rewards card ...

Published:  Tue, 26 Apr 2016 07:48:00 GMT



John Hoffmire: Credit cards: Love them and hate them

Credit cards are a very powerful factor in our economies. They can literally be life-savers. This is a positive take on credit cards. You don't see those very often. Everyone wants to dump on debt, and there are reasons to do so. On the other hand ...

Published:  Tue, 26 Apr 2016 21:09:00 GMT



Deputies arrest 4 foreigners accused of using fake credit cards

Investigators said four foreigners were arrested after allegedly trying to use fake credit cards at a sporting goods store. The East Baton Rouge Parish Sheriff's Office said Academy Sports on Industriplex Boulevard reported people in the store using ...

Published:  Fri, 29 Apr 2016 11:50:00 GMT



The chips are down: New credit cards with computer chips are slow to catch on

By now, your bank has probably sent you one of the new credit cards with a computer chip in it. But have you tried to use it, by dipping the new card instead of swiping? Good luck with that: Not many stores take it. Unfortunately, that's today's typical ...

Published:  Wed, 27 Apr 2016 18:06:00 GMT



Troopers: Oneonta woman illegally charged $70,000 on credit cards

Oneonta, NY (WBNG Binghamton) New York State Police on Thursday arrested an Oneonta woman following reports of fraud in Otsego County. Virginia Reichhold, 60, is charged with felony grand larceny in the second degree. State Police say an investigation ...

Published:  Fri, 29 Apr 2016 12:41:00 GMT



The Week in iPhone Cases: Patchworks' Level Card keeps your iPhone SE safe and your credit cards close

The Naked Tough (iPhone SE, 6/6s, and 6 Plus/6s Plus; $35 through Case-Mate, or $19 on Amazon) is a clear case enhanced with a glittery finish. This dual-layered case sports a protective bumper against side and corner drops, matching button covers to keep ...

Published:  Thu, 28 Apr 2016 06:00:00 GMT



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