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      February 24, 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.

 

First National Bank Of Omaha To Dump NRA-Branded Visa Credit Card

The First National Bank of Omaha has decided to cut ties with the National Rifle Association in a national moment of reckoning over gun control. Citing complaints from customers, the company's First Bankcard division will no longer issue NRA-branded Visa ...

Published:  Thu, 22 Feb 2018 12:32:00 GMT



US bank halts NRA credit card, car rental firm ends discount

LINCOLN, Neb. (AP) - The nation's largest privately-owned bank holding company and a major car rental chain said Thursday they will stop promotions aimed at National Rifle Association members. The Nebraska-based First National Bank of Omaha will not ...

Published:  Thu, 22 Feb 2018 22:55:00 GMT



4 Rewards Credit Cards for Your Dating Life

Whether you're playing the field or seeing someone exclusively, dating can be an important aspect of your social life. Going on dates gives you an opportunity to meet new people, deepen an existing relationship, or just have some fun (hopefully).

Published:  Fri, 23 Feb 2018 03:36:00 GMT



First National Bank to halt production of NRA credit card

LINCOLN, Neb. (AP) - The nation's largest privately-owned bank holding company will stop producing credit cards for the National Rifle Association in response to customer feedback, a spokesman said Thursday. The Nebraska-based First National Bank of ...

Published:  Fri, 23 Feb 2018 06:23:00 GMT



How Many Credit Cards Should I Have

In today's overcrowded credit card market, issuers are constantly competing to win over consumers by offering various rewards and perks. Looking at all the cards available, you may wonder if there's one card that can meet your needs, and odds are there ...

Published:  Fri, 23 Feb 2018 03:21:00 GMT



33% of Americans do not have more savings than credit card debt

One piece of financial advice that you have probably heard over and over again is the need for an emergency savings fund. The thinking goes that everyone should have three to six months' worth of living expenses set aside in the event of a sudden job ...

Published:  Wed, 21 Feb 2018 21:02:01 GMT



Northampton Police Seeking Man Suspected Of Cloning Credit Card

Authorities are trying to locate the suspect who they say cloned a Northampton woman's credit card and used it to withdraw money from a Willow Grove ATM. According to Northampton Township Police, in late January, a resident of the Holland section of the ...

Published:  Fri, 23 Feb 2018 05:50:00 GMT



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