Credit Cards

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5 Members-Only Credit Cards You Can Actually Get

5 Members-Only Credit Cards You Can Actually Get

5 Members-Only Credit Cards You Can Actually Get

Most credit card issuers are only too happy to accept your application, as the credit card industry is extremely competitive. At the same time, there are still some cards that are offered only to a select group of applicants, depending on their relationship with a particular organization. And in some cases, these cards can offer exceptional value…. Read More

My Credit Card Issuer Offered Me a Lower APR. Do I Take It?

My Credit Card Issuer Offered Me a Lower APR. Do I Take It?

My Credit Card Issuer Offered Me a Lower APR. Do I Take It?

Interest rates drive a lot of consumers’ credit decisions, as they should, because interest rates significantly impact the overall cost of debt. If you’ve ever received a credit card offer for a lower APR, whether it’s for a new card or a change to your existing account, you’ve probably wondered if it’s worth accepting. There’s… Read More

Are the Best Credit Cards Too Hard to Get?

Are the Best Credit Cards Too Hard to Get?

Are the Best Credit Cards Too Hard to Get?

On a radio interview recently I was talking about some of the best credit cards from Credit.com’s Best Credit Cards in America series, including cards with great rewards programs, 0% balance transfers and loads of perks. The host agreed they sounded great, “But they’re only for people with perfect credit, right?” he asked. It’s a common perception… Read More

4 Credit Cards for the Forgetful

4 Credit Cards for the Forgetful

4 Credit Cards for the Forgetful

Do you have better things to worry about than your credit cards? Since most of us do, it’s easy to misplace a monthly statement, lose a card or even forget to make a payment. And when we forget, it would be nice to have a credit card issuer that is ready to forgive you and even help… Read More

New Amazon Prime Credit Card Offers 5% Cash Back

New Amazon Prime Credit Card Offers 5% Cash Back

New Amazon Prime Credit Card Offers 5% Cash Back

Amazon and Synchrony Bank released a new credit card offer for Amazon Prime customers last week, offering 5% cash back on qualifying purchases and even promotional financing for orders over $149. The store credit card is a credit product you may be familiar with at bricks-and-mortar retailers. Often, these cards offer a discount at sign-up, and… Read More

The Dangers of Choosing Credit Over Cash

The Dangers of Choosing Credit Over Cash

The Dangers of Choosing Credit Over Cash

Using cash may seem like a thing of the past these days. Credit cards have seemingly become the most common way to make purchases and while there are certainly advantages to using them, there are also some risks. Even if you choose to shop primarily with cards instead of a debit card or cash, it’s… Read More

5 Business Credit Cards With Big Sign-Up Bonuses

5 Business Credit Cards With Big Sign-Up Bonuses

5 Business Credit Cards With Big Sign-Up Bonuses

Running a business is not easy. Business owners take risks with their capital, and only the best will realize profits over the long run. One thing all businesses have in common are expenses, and entrepreneurs often rely on business credit cards as their primary method of payment. Fortunately, many of the top business credit card issuers can… Read More

The First Thing to Do When You Get a New Credit Card

The First Thing to Do When You Get a New Credit Card

The First Thing to Do When You Get a New Credit Card

When many people receive a new credit card in the mail, they just want to activate it and go out to spend with it. But not so fast. The first thing that you should do when you receive a new credit card is to familiarize yourself with its interest rates, fees, rewards and benefits. When you… Read More

7 Downsides of Low-Interest Credit Cards

7 Downsides of Low-Interest Credit Cards

7 Downsides of Low-Interest Credit Cards

The one thing that everyone hates about credit cards is paying high interest rates, which can be especially costly. There are credit cards offered with low interest rates that can appeal to cardholders who are frustrated by high interest charges each month. They may offer rates of 10% APR or even less, but it may come at… Read More

6 Ways Chasing Credit Card Rewards Can Backfire

6 Ways Chasing Credit Card Rewards Can Backfire

6 Ways Chasing Credit Card Rewards Can Backfire

There is a lot to like about credit card rewards. Cardholders can earn valuable points, miles and cash back just for spending money on things that they would normally buy. But at the same time, the temptation of rewards can lead cardholders to make unwise decisions that will ultimately cost them more money than any rewards… Read More

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