Credit Cards

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6 Credit Card Perks You’re Missing Out On

6 Credit Card Perks You’re Missing Out On

6 Credit Card Perks You’re Missing Out On

When consumers shop for credit cards, they’re usually evaluating things like annual fees, interest rates and common benefits such as travel points or cash back rewards. But there are many more credit card perks available through some of the largest credit card providers you shouldn’t ignore. If you don’t know about them, you could be... Read More

4 Credit Cards That Share Perks With Authorized Users

4 Credit Cards That Share Perks With Authorized Users

4 Credit Cards That Share Perks With Authorized Users

It’s common to find credit cards that reward their cardholders for adding an authorized user. Most of the time this reward is in the form of bonus points or miles. But, often times, it goes much deeper than that. Some cards will offer elite status or additional bonus points if you hit a certain amount... Read More

The Trick That Can Help You Avoid Credit Card Interest for 2 Months

The Trick That Can Help You Avoid Credit Card Interest for 2 Months

The Trick That Can Help You Avoid Credit Card Interest for 2 Months

Credit card issuers are very upfront with the features that attract new customers. Things like signup bonuses, category bonuses, or special financing are essentially marketing tactics to drive new business. What card issuers are not always the best at doing, is explaining everything you can find in the fine print. These are the things that... Read More

5 Ways to Manage Your Credit Cards Like a Pro

5 Ways to Manage Your Credit Cards Like a Pro

5 Ways to Manage Your Credit Cards Like a Pro

Credit cards can be a valuable tool in your financial toolbox. But like any tool, it can help you or it can hurt you. Credit cards give you access to spending power without the need to carry cash. They can help you build your credit, which can help you get lower interest rates on mortgages... Read More

3 Great Credit Cards for Last-Minute Holiday Shopping

3 Great Credit Cards for Last-Minute Holiday Shopping

3 Great Credit Cards for Last-Minute Holiday Shopping

With Black Friday behind us and Christmas just a few weeks away, time to stock up on holiday gifts is running short. No matter the length of your gift list, you should start shopping now — before the best items are picked over or you run out of holiday momentum altogether. If your goal is saving... Read More

4 Credit Cards for the Not-So-Frequent Flier

4 Credit Cards for the Not-So-Frequent Flier

4 Credit Cards for the Not-So-Frequent Flier

Picking out the perfect rewards credit card is an important decision. You want to make sure the card you choose is going to get good use and provide value. Someone that doesn’t do very much traveling, probably won’t have a lot of use for a credit card that rewards airline miles or hotel points. If... Read More

4 Invitation-Only Credit Cards

4 Invitation-Only Credit Cards

4 Invitation-Only Credit Cards

If you have reasonably good credit and a steady income, credit cards aren’t usually that difficult to come by. In fact, you may be throwing credit card offers out with the rest of your junk mail on a regular basis. (Actually, we hope you’re shredding them so you don’t put yourself at risk for identity... Read More

4 Credit Cards for Foodies

4 Credit Cards for Foodies

4 Credit Cards for Foodies

If you’re a credit card reward junkie, no matter if it’s cash back or travel rewards, then you know the importance of using the best credit card to maximize each purchase. Frequently dining out can be expensive, but earning bonus credit card points can help make things easier, especially if you are traveling and forced... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team