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      February 21, 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.

Continue reading below reviews

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.

 

A brief history of credit cards

Consumer credit has always been a part of American financial life. Early Americans depended on credit extended by the local general store to float them until harvest time, when the debt would be paid off. Industrialization introduced workers to leisure ...

Published:  Wed, 21 Feb 2018 04:34:00 GMT



The Amazon Prime credit card now gives 5% back at Whole Foods

Amazon announced a new benefit for Whole Foods shoppers this week. Here's one way shopping at Whole Foods may not eat up your whole paycheck. Shoppers who have the Amazon Prime Rewards Visa V, +0.13% credit card, and are Amazon Prime AMZN, +1.35% ...

Published:  Tue, 20 Feb 2018 07:11:00 GMT



Best Credit Card Concierge Service

When you're in the market for a credit card, you probably check out features such as its annual fee, its interest rate range, and the points, miles, or cash back that you might earn from it. Those are indeed excellent factors to assess. There's another ...

Published:  Tue, 20 Feb 2018 14:42:00 GMT



Amazon credit card adds Whole Foods to 5 percent cash back offer

LOS ANGELES (Reuters) - Amazon.com Inc on Tuesday extended its 5 percent cash back benefit for Prime service subscribers to shoppers at its newly acquired Whole Foods Market grocery chain. Roughly one year ago, the Amazon Prime Rewards Visa Card issued by ...

Published:  Tue, 20 Feb 2018 11:07:00 GMT



Want To Turn $99 Into $658.38 Just Use The Amazon Credit Card At Whole Foods

Amazon's announcement that its co-branded Amazon Prime Rewards Visa credit card will now offer a 5% cash back reward on all purchases at Whole Foods is just one more shopper incentive that will gain market share for the chain. The $99 per year Amazon ...

Published:  Tue, 20 Feb 2018 15:39:00 GMT



Is America Charging Too Much On Its Credit Card

Excessive Borrowing Bad for Countries As Well As People If you continue to run a balance on your credit card every month, eventually your overspending will catch up with you. Collective interest charges will send you into a debt spiral where you can't ...

Published:  Tue, 20 Feb 2018 18:08:00 GMT



Police seek to ID credit card thief who stole cards from woman's purse at bar

Harrisburg police are asking for help finding a woman who was caught stealing bank cards on camera and using them at a local Target. Surveillance footage captured to woman stealing the bank cards Sept. 23 at a bar in the Hilton Hotel on Second Street.

Published:  Tue, 20 Feb 2018 18:52:00 GMT



Should You Use Credit Cards to Pay Off Student Loans

Many people are carrying student loan debt these days, and for many, it is a stressful experience. Student loans can have huge balances and can take as long as 20 years to pay off. One way to reduce the cost of student loans is to use a balance transfer ...

Published:  Tue, 20 Feb 2018 14:44:00 GMT



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