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!

7 Unexpected Ways to Use Prepaid Cards

7 Unexpected Ways to Use Prepaid Cards

7 Unexpected Ways to Use Prepaid Cards

About a decade ago, when prepaid debit cards were new, they quickly earned a reputation as fee-laden plastic marketed mainly to the “unbanked” or the “underbanked” – people whose credit histories or mistrust of financial institutions made them poor candidates for traditional banking services. While the cards were (usually) an improvement over paying check-cashing services and... Read More

7 Things to Ask Before Getting a Store Credit Card

7 Things to Ask Before Getting a Store Credit Card

7 Things to Ask Before Getting a Store Credit Card

As fall turns into winter, and malls become filled with holiday shoppers, retailers will make it a point to offer customers a store credit card as they check out. Typically, such offers come with some sort of a sign-up bonus in the form of a discount on the day’s purchase. At that moment, filling out... Read More

Credit Card Late Fees Are $6 Less Than Before the CARD Act

Credit Card Late Fees Are $6 Less Than Before the CARD Act

Credit Card Late Fees Are $6 Less Than Before the CARD Act

Credit cards have become less costly for consumers during the past few years, an improvement the Consumer Financial Protection Bureau partially attributes to the CARD Act of 2009. In a report it released today, the CFPB outlined several improvements felt by consumers, including reduced fees and simplified credit card agreements. These and other changes have... Read More

How Many Credit Cards Should I Have?

How Many Credit Cards Should I Have?

How Many Credit Cards Should I Have?

With plenty of great rewards programs and credit card offers out there, a consumer is likely to ask, “How many credit cards should I have?” It’s an important question with different answers, depending on who you ask and how you plan to use the card. One school of thought is that having no credit cards... Read More

3 Credit Card Rewards Programs Just Got Better

3 Credit Card Rewards Programs Just Got Better

3 Credit Card Rewards Programs Just Got Better

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Chase Ink Bold, Chase Ink Plus, Citi ThankYou and The Business Gold Rewards Card from American Express OPEN. Disclosure: Cards from our partners are mentioned below.] When airlines and hotels change their rewards programs, it is almost always... Read More

MasterCard vs. Visa: What’s the Difference?

MasterCard vs. Visa: What’s the Difference?

MasterCard vs. Visa: What’s the Difference?

It can be hard to keep straight all of the companies whose logos may appear on your credit card. First, you always have the issuing bank or credit union, such as Chase or Capital One. Then you may have a company that may be co-branding your reward cards, such as United Airlines or Hilton hotels.... Read More

7 Ways You Lose Out On Credit Card Rewards

7 Ways You Lose Out On Credit Card Rewards

7 Ways You Lose Out On Credit Card Rewards

[Update: Some offers mentioned below have expired. You can view the current offers from our partners once they become available here — Blue Cash Preferred from American Express.] The easiest way to rack up the most credit card rewards from spending is to take advantage of cards that offer bonuses for purchases from certain categories... Read More

Chase Stops Offering Joint Credit Card Accounts

Chase Stops Offering Joint Credit Card Accounts

Chase Stops Offering Joint Credit Card Accounts

Like a handful of banks before it, Chase announced joint credit cards are no longer an option for its customers. Existing accounts won’t be affected, and cardholders can still add authorized users to their accounts. While some consumers may see this as fewer products to choose from, the change shouldn’t impact someone’s access to a... Read More

The Best Business Reward Credit Cards in America

The Best Business Reward Credit Cards in America

The Best Business Reward Credit Cards in America

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — American Express Business Platinum Card, Chase Ink Bold, Chase Ink Plus and Capital One Spark Cash Business Credit Card. Disclosure: Cards from our partners are mentioned below.] Last May, we looked at the best business credit cards with no... Read More

Consumers Are Shifting From Debit Cards to Credit Cards

Consumers Are Shifting From Debit Cards to Credit Cards

Consumers Are Shifting From Debit Cards to Credit Cards

Consumers have shifted $7.7 billion in spending from prepaid cards and debit cards to credit cards in 2012, according to an analysis of industry data by MasterCard. Such a change gives insight into the growth of consumer confidence as the nation regroups from the financial crisis. In a paper published this month, MasterCard highlights a... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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