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      January 24, 2017
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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!

2017

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.

 

 

 

Credit cards row at petrol pumps: RBI may extend deadline for reduced MDR, says Dharmendra Pradhan

Petroleum Minister Dharmendra Pradhan today said RBI may consider extending deadline for reduced Merchant Discount Rate (MDR) charges at petrol pumps beyond March 31 to promote digital transaction. "RBI may reconsider looking into emerging acceptance of ...

Published:  Mon, 23 Jan 2017 09:53:00 GMT



These 5 Credit Cards Can Help You Reach Your 2017 Money Goals

You start out every new year with the best of intentions - This is the year you're going to go to the gym more, start eating better and finally pay off your credit card debt. Sound familiar? It's great to aspire to these big changes, but sometimes lofty ...

Published:  Sat, 21 Jan 2017 09:35:00 GMT



The Cost of Traveling In Business And First Class Using Airline Credit Cards

When I was a kid, I used to love flying. I would savor every sight and sound, and I found the airplane seats to be luxurious. Airline travel is still fun for kids, if only because they can still fit comfortably in an economy class seat. As an adult, the ...

Published:  Mon, 23 Jan 2017 12:46:00 GMT



Best Rewards Credit Cards for 2017

Rewards credit cards pay rewards on your credit card spending. You can use these rewards for cash back, a credit to your account, flights, hotel, and a ton of other perks. The best rewards credit cards fall into two categories: travel and cash rewards ...

Published:  Mon, 23 Jan 2017 08:53:00 GMT



'Whatever means necessary': How these insiders tricked Loblaws shoppers into signing up for credit cards

Erica Johnson is an award-winning investigative journalist. She hosted CBC's consumer program Marketplace for 15 years, investigating everything from dirty hospitals to fraudulent financial advisors. As co-host of the CBC news segment Go Public, Erica ...

Published:  Mon, 23 Jan 2017 02:02:00 GMT



Police: 4 pose as Arkansas hospital workers, steal employees' credit cards

Four people posed as health care workers in order to steal credit cards from employees at Washington Regional Medical Center in Fayetteville, police said. Sgt. Craig Stout of the Fayetteville Police Department said the thefts occurred at the hospital ...

Published:  Mon, 23 Jan 2017 10:58:00 GMT



Ultimate Travel Credit Cards Guide Citi Airline and Hotels

Continuing on with Citibank's credit card lineup, we move on to their co-branded section. They have two main co-brands that accrue points. They are affiliated to American Airlines and Hilton Hotels Worldwide. Although they have a few cash back cards ...

Published:  Mon, 23 Jan 2017 11:34:00 GMT



WIZARD WORLD Conventions Go Cash/Check Only - No Credit Cards

WizardWorld has informed exhibitors that, "effective immediately," it will no longer be accepting credit cards as a form of payment for booths or tables at any of events, relying strictly on cash or check. "Checks must be received at the Los Angeles office ...

Published:  Mon, 23 Jan 2017 11:15:00 GMT



Man to be sentenced for theft of credit cards from cars

BUFFALO, N.Y. (AP) - The leader of a New York crime ring that stole credit cards from cars at gyms and restaurants faces sentencing. Christopher McCullen of Buffalo pleaded guilty in October to grand larceny and scheming to defraud. The 45-year-old faces ...

Published:  Mon, 23 Jan 2017 08:15:00 GMT



The Best Credit Cards to Wipe Out Holiday Debt

If you leaned heavily on credit over the course of the holidays, you're probably not alone. Forbes reported that families added $1,073 of credit card debt for gifts, holiday parties, and other seasonal treats. With the new year in full swing, it's time ...

Published:  Fri, 20 Jan 2017 08:13:00 GMT



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