April 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.

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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.


Is Your Credit Card Less Secure Than Ever Before

News of credit card data breaches hit the headlines almost every week. Just in the last 30 days, major brands like Saks Fifth Avenue and Best Buy announced that people's credit card information was exposed. In the wake of more notorious hacks, like last ...

Published:  Fri, 20 Apr 2018 13:19:00 GMT

Credit card companies unite for a checkout button to take on PayPal

Even if you don't use PayPal to send money to friends, there's a good chance you've reached for their checkout button in online stores, which is tied to all of your payment information. It's simply easier than getting up and finding your wallet. Now, the ...

Published:  Fri, 20 Apr 2018 14:35:00 GMT

I tried going cash-only and leaving my credit cards at home - and I learned cash is not all it's cracked up to be

Choosing to use cash, rather than credit cards, is an effective way to reduce spending. The first step to going cash-only is to create a budget and to divide the cash accordingly. This system of expenditure encourages mindful spending, but can also be more ...

Published:  Fri, 20 Apr 2018 09:10:00 GMT

When to ignore credit card advice

Conventional wisdom about credit cards is often black and white, from whether you should use cards at all to which types deserve a slot in your wallet. But personal finance is just that - personal, experts say. "Financial advice is best when it is not ...

Published:  Thu, 19 Apr 2018 17:12:00 GMT

New credit reward cards from Fiat Chrysler, Uber and Starbucks

One reward card after another is rolling off the line for consumers. There's an Uber Visa, a Starbucks Rewards Visa, and now what Fiat Chrysler hopes will be its muscle card. And don't forget, we've got credit cards that can rack up points for buying ...

Published:  Fri, 20 Apr 2018 09:13:00 GMT

Queens Man Pleads Guilty To $179K Credit Card Fraud Scheme: Feds

BAYSIDE, QUEENS -- A 22-year-old Queens man pleaded guilty to his role in a $179,000 credit card fraud scheme that spanned the East Coast, federal prosecutors said Thursday. Xia Bin Xu, of Bayside, was part of a fraud ring that stole credit card ...

Published:  Fri, 20 Apr 2018 07:40:00 GMT

This Week In Credit Card News: Business Advantages To Going Cashless; Chevy Rolls Out In-Car Gas Pay

Chevrolet and Shell are doing their part to try and make refueling easier on drivers by introducing the first ever, in-car fuel payment system, rendering unnecessary the need to swipe a credit card or use your mobile device. The new feature will allow ...

Published:  Fri, 20 Apr 2018 13:34:00 GMT

Best student credit cards of 2018

The big banks like to win future customers by signing them up for a current account while they are still young, in the hope of keeping their business for life. If you want a credit card during your studies, the easiest way is to apply for one linked to a ...

Published:  Fri, 20 Apr 2018 07:10:33 GMT

How to lower your credit card interest rate

Credit cards can be great tools to have in your wallet. They allow you to make a purchase now and pay it back later. Unfortunately, they're also the reason why so many Americans struggle with debt. Credit cards are known to often come with high interest ...

Published:  Fri, 20 Apr 2018 07:17:00 GMT

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