June 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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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.


Best Cash-Back Credit Cards of 2018

It's no surprise cash rewards are among the most popular credit card benefits. Cardholders paying off balances each month can avoid interest charges to earn lucrative cash back on everyday necessities, including groceries, gas and at restaurants.

Published:  Thu, 21 Jun 2018 21:10:00 GMT

Police Seeking Duo Who Used Stolen Credit Card

Police are seeking the public's help to identify and locate a man and woman who they say used a stolen credit card in Holbrook last month. A handbag containing several credit cards was stolen from a vehicle parked at Island Nursing & Rehab Center, located ...

Published:  Fri, 22 Jun 2018 07:52:00 GMT

Two Harvard alums built a payment app so people can pay for rent, tuition, and even taxes with a credit card

Move over Venmo and Apple Pay- there's a new payment app in town and it's called Plastiq. "Plastiq is bill pay with benefits," cofounder Eliot Buchanan told Business Insider. "Our service makes it possible for business owners and savvy consumers to use a ...

Published:  Fri, 22 Jun 2018 04:54:00 GMT

Your loyalty to your credit card brand may be misplaced

This article is reprinted by permission from NerdWallet. For David Parada, a teacher in Ontario, California, there's just something he likes about his Nordstrom JWN, +1.83% credit card, and it doesn't have much to do with the value of the rewards he ...

Published:  Fri, 22 Jun 2018 02:03:00 GMT

My credit card was hacked. Will this hurt my credit report

A. Usually, if your credit card has been compromised, there shouldn't be any adverse impact on your credit report. To make sure you're covered, a few things need to happen. Typically, if you have fraudulent activity on your card, the credit card issuer ...

Published:  Fri, 22 Jun 2018 06:31:00 GMT

Credit card debt vs. 401(k) investing: Which should you focus your financial resources on

If someone asked you what you would do with unlimited money, you might say: Buy a house; buy every item I've been hoarding in my online shopping cart; buy two houses; make a huge donation to the cause dearest to my heart. You might also answer: Pay off my ...

Published:  Fri, 22 Jun 2018 08:26:00 GMT

Small Business Credit Card Trends And Their Future

TJ McCue, Contributor Opinions expressed by Forbes Contributors are their own. A few short years ago, business credit cards were less than four percent of the total number of credit cards in existence. However, those cards did account for $430 billion, or ...

Published:  Wed, 20 Jun 2018 12:16:00 GMT

Thief Tries Paying Waitress With Her Own Stolen Credit Card, Gets Arrested

An Arkansas man was arrested Tuesday when he tried to pay for a meal using the stolen credit card that belonged to the waitress who served him. The card was stolen on Sunday at a nearby gas station. Shamon West, 21, was arrested at the Shannon's Restaurant ...

Published:  Fri, 22 Jun 2018 05:24:53 GMT

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