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      April 23, 2018

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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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2018

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

Continued from above

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!

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.

 

3 Cities With The Fastest-Growing Credit Card Debt

According to the Federal Reserve, credit card balances surpassed $1 trillion in 2017. After the Great Recession of 2008, card issuers restricted credit availability and limited marketing. As the economy recovered, credit card companies began to invest in ...

Published:  Mon, 23 Apr 2018 13:38:00 GMT



Boy says he used parents' credit cards to go on Bali getaway after argument with mother

After getting into a fight with his mother, a 12-year-old boy apparently managed to hop on a plane and go on vacation to Bali using his parents' credit cards without them knowing. "I wanted to go on an adventure," the boy told Australia's 9News in an ...

Published:  Mon, 23 Apr 2018 14:35:00 GMT



You should apply for a new credit card before booking your summer vacation - but not for the reason you think

The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network. Between "bomb cyclones," consecutive nor'easters, and temperatures ranging more than 40 degrees in a single ...

Published:  Mon, 23 Apr 2018 14:16:00 GMT



12-year-old boy steals family credit card to book Bali vacation after fight with his mom

A 12-year-old Australian boy gave his mother a scare after reportedly booking a secret trip to Bali, Indonesia with the family credit card. The boy, called Drew by A Current Affair, got into an argument with his mother, Emma, and was allegedly told the ...

Published:  Mon, 23 Apr 2018 14:40:00 GMT



Boy uses mom's credit card to fly to Bali

A 12-year-old Australian boy managed to purchase an airline ticket using his mother's credit card and fly to Bali by himself.

Published:  Mon, 23 Apr 2018 10:44:00 GMT



12-year-old steals credit card, flies to Bali after fight with mom

PERTH, Australia - A 12-year-old Australian boy has pulled off a bold feat that is drawing international headlines: He stole his mom's credit card and managed to fly to Bali, Indonesia, for a posh, four-day vacation before getting caught, reports 9 News.

Published:  Mon, 23 Apr 2018 14:53:00 GMT



American Express launches a new credit card for jet-setters - with a $450 annual fee

American Express has a new idea for keeping the jet set happy. The company AXP, -1.54% announced a new card this week, the Starwood Preferred Guest (SPG) American Express Luxury Card. The card is aimed at American Express's "most premium and often ...

Published:  Sat, 21 Apr 2018 16:33:00 GMT



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