May 27, 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.

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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. 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!

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.


Costco reports 2 million new Visa credit cards since last summer's launch

Costco Wholesale added a total of about 2 million new co-branded Visa credit cards since last summer, when the company began offering the new cards. "So far, so good," Costco Chief Financial Officer Richard Galanti said during a call with analysts to ...

Published:  Thu, 25 May 2017 15:56:00 GMT

Best Credit Cards for People With Fair Credit

Accessing credit for either personal use or expanding a business nowadays highly depends on the credit score than an individual has. Usually, the credit score range is categorized into three; a good score, an average (Fair score) and poor score. All these ...

Published:  Thu, 25 May 2017 08:15:00 GMT

How to Improve Your Relationship With Credit Cards

The use of credit cards can be a hot and cold issue for some people. The fact that the average American household carries $16,748 in credit card debt is alarming, but doesn't necessarily mean that credit cards are bad or the root problem. I remember ...

Published:  Fri, 26 May 2017 01:13:00 GMT

Here Are The 17 Credit Cards I Have Right Now

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that's approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser ...

Published:  Wed, 24 May 2017 01:00:00 GMT

Two Women Accused Of Using Phony Credit Cards At Univ. Bookstore In Brookings

Two Atlanta women are accused of flying to South Dakota with dozens of phony credit cards. According to federal court papers, they made the trip to illegally buy Apple computers at the University Bookstore in Brookings. A clerk was suspicious of the cards ...

Published:  Thu, 25 May 2017 14:25:00 GMT

Mackinac Bridge Now Accepts Credit Cards

After much anticipation and just in time for holiday travel, the Mackinac Bridge accepts credit cards. People traveling across the bridge have known for years without cash, they can't get across. The Mackinac Bridge Authority has been working on the ...

Published:  Thu, 25 May 2017 14:53:00 GMT

The 6 Best No Fee Balance Transfer Credit Cards with 0% Interest Rates

DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are ...

Published:  Tue, 23 May 2017 08:07:00 GMT

5 Credit Cards That Will Help You Quickly Rack Up Rewards Points

Credit card points can bestow untold value on cardholders, as every purchase earns points to be banked for future redemption. Points can be redeemed for a variety of rewards, including travel, merchandise, cash back, gift cards and charitable donations.

Published:  Tue, 23 May 2017 22:00:00 GMT

Conquering fear of credit cards

Consumer Financial Protection Bureau: The Consumer Credit Card Market ... The New York Times: How Millennials Became Spooked by Credit Cards ...

Published:  Sat, 20 May 2017 01:00:00 GMT

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