Credit Cards

Get the latest credit card reviews and comparisons from our Credit.com experts and discover ways to reduce, improve and grow your credit. Find a credit card that’s right for you on Credit.com. Compare 100’s of cards by rewards, fees, rates and more!

5 Credit Cards That Can Help You Pay Off Holiday Debt

5 Credit Cards That Can Help You Pay Off Holiday Debt

5 Credit Cards That Can Help You Pay Off Holiday Debt

The holiday season is officially over, and you’ve probably started assessing the damage done to your credit card balance. While no official numbers have been released, most were expecting retail sales to increase compared to 2015. If you ended up spending more than you had originally planned, don’t let it ruin the start to your... Read More

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

For many years, the Chase Sapphire Preferred was the card to carry if you wanted a premium travel credit card in your wallet. You could earn a generous signup bonus and extra points on travel and restaurant purchases — all for a very reasonable annual fee (currently $95, waived the first year). Then Chase decided it was... Read More

3 Credit Cards That Let You Give Points to Charity

3 Credit Cards That Let You Give Points to Charity

3 Credit Cards That Let You Give Points to Charity

Toward the end of every year, charitable giving always picks up. Partly because the holidays get people in the giving spirit. Other times, it’s because they are doing some end-of-year tax planning. No matter what the reason, charitable giving is a great thing because it helps so many people. But did you know that giving... Read More

Chase Freedom or Chase Freedom Unlimited? Here’s How to Choose

Chase Freedom or Chase Freedom Unlimited? Here’s How to Choose

Chase Freedom or Chase Freedom Unlimited? Here’s How to Choose

Picking the perfect credit card can be tricky. Everyone is pushing their high signup bonuses and flashy benefits, and it can get a little overwhelming. However, one card that has stood the test of time is the Chase Freedom card. For years, it has been one of the most popular cash back credit cards available.... Read More

5 Store Credit Cards Worth Considering in 2017

5 Store Credit Cards Worth Considering in 2017

5 Store Credit Cards Worth Considering in 2017

How many times have you gone to check out at your favorite retail store and been asked if you’d like to save 10% on your purchase? Just about every time, right? Retailers sometimes use special promotions as a way to get you to sign up for their store-branded credit card, and while these promotions can... Read More

3 Credit Cards for People Who Love the Nightlife

3 Credit Cards for People Who Love the Nightlife

3 Credit Cards for People Who Love the Nightlife

Many credit cards provide a few built-in advantages for nightlife fanatics who love great restaurants, live events and nights out on the town. In addition to rewarding you for spending and getting you exclusive access to events, credit cards (when used responsibly) can help you track your spending while you’re out. They also provide extra fraud... Read More

A Quick Guide to Understanding Your Credit Card’s APR

A Quick Guide to Understanding Your Credit Card’s APR

A Quick Guide to Understanding Your Credit Card’s APR

When applying for a new credit card, most people will pay close attention to several different things. It could be the signup bonus or the rewards they can earn. But the one thing that should always be on your radar is the effective annual percentage rate, or APR, on the card. On the surface, you might... Read More

4 Things You Can Do to Get a Better Credit Card

4 Things You Can Do to Get a Better Credit Card

4 Things You Can Do to Get a Better Credit Card

Credit cards are valuable tools and like any other tool, we’re always looking to get the best one for the job. One of the trickier aspects of credit cards is that not everyone can get every card. But the better your credit, the greater the access will be. In this article, I’ll share strategies that... Read More

5 Bad Credit Card Habits You’ll Want to Break in 2017

5 Bad Credit Card Habits You’ll Want to Break in 2017

5 Bad Credit Card Habits You’ll Want to Break in 2017

Credit cards can be great financial tools. Using them responsibly can help you purchase the items you want, earn rewards and build your credit. Problems arise, however, when you get into some bad habits with your credit cards. Here are five bad credit card habits that you should consider taking steps to break right away. 1. Mindless Charging Sure, putting all... 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).

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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.

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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.

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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.

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- The Credit.com Editorial Team