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      October 20, 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.

 

This Week In Credit Card News: The Lack Of Fixed Rate Cards; Consumers Regret Getting Store Cards

Less than 5% of the 2,335 credit card agreements on file with the CFPB were related to credit cards with fixed or non-variable interest rates. Most of the roughly 60 fixed-rate agreements on file came ...

Published:  Fri, 19 Oct 2018 13:18:00 GMT



A cheapskate's guide to shopping for credit cards

Cheapskates and low spenders aren't the ideal credit card customers for banks because they're typically not as profitable as fast-swiping spendthrifts who rack up finance charges. Still, banks offer c...

Published:  Sat, 20 Oct 2018 01:36:00 GMT



What to Do After Being Denied for a Credit Card

Rejection hurts, even if it's for a credit card. But if your credit card application was rejected, all is not lost. "If you are declined for a credit card, it is important to know that it may not ...

Published:  Fri, 19 Oct 2018 13:41:00 GMT



Half of Americans with this credit card regretted getting one

Retailers like Kohl's entice shoppers to sign up for their store credit cards with attractive offers. But consumers should know what they're getting into. Next time the cashier at the checkout counter ...

Published:  Thu, 18 Oct 2018 11:17:00 GMT



What is a Credit Limit, How is It Determined, and What Credit Cards Offer the Highest Limits

What is a credit limit and how is it determined A credit limit is the maximum amount of credit you're allowed, and it is determined by a financial institution (bank, credit union, retailer, etc ...

Published:  Thu, 18 Oct 2018 09:36:00 GMT



Study: Lots of shoppers not wild about store credit cards

Store credit cards are ubiquitous, that doesn't mean consumers like them. Seventy-four percent of Americans have had a store credit card - and half of those with a card regretted getting it, according ...

Published:  Fri, 19 Oct 2018 09:27:00 GMT



Stephanie Grace: LaToya Cantrell's credit card flap is over -- but everyone loses in the end

Just about a year after now-New Orleans Mayor LaToya Cantrell's runoff opponent for the job accused her of improperly using her city credit card, the matter is now settled. Attorney General Jeff Landr...

Published:  Fri, 19 Oct 2018 08:16:00 GMT



Man 11-Plus Years in Prison for Role in Credit Card Scheme

SYRAUCSE, N.Y. (AP) - An upstate New York man who was involved in a credit card cloning scheme has been sentenced to more than 11 years in prison. The U.S. Attorney's Office announced Thursday that 23 ...

Published:  Fri, 19 Oct 2018 08:41:00 GMT



Hilton Honors American Express Ascend Card

Redemption value of points is considerably lower than a cash back credit card. Earn a Weekend Night Reward after spending $15,000 on purchases on your card in a calendar year. Complimentary Gold Statu...

Published:  Fri, 19 Oct 2018 13:08:00 GMT



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