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Credit Card Technology Moving Forward to Reduce Fraud

Credit Card Technology Moving Forward to Reduce Fraud

Credit Card Technology Moving Forward to Reduce Fraud

Credit card fraud in the U.S. is a major problem for issuers, payment processors and merchants alike, and a technology that is more or less ubiquitous in other counties could help to significantly reduce those issues in the future. “Chip and PIN,” technology is the standard in many major foreign countries across Europe and Asia,... Read More

Your Secret Credit Weapon: The Chargeback

Your Secret Credit Weapon: The Chargeback

Your Secret Credit Weapon: The Chargeback

Credit cards provide great protection against fraudulent charges, and some can even bag you great cash-back rewards. But perhaps the best thing about paying for your purchases with a credit card is that in the event of a dispute with a merchant, it provides the ultimate ace up your sleeve: the chargeback. If you didn’t... Read More

Walmart Comes Out Against $7 Billion Swipe-Fee Settlement

Walmart Comes Out Against $7 Billion Swipe-Fee Settlement

Walmart Comes Out Against $7 Billion Swipe-Fee Settlement

Though many businesses considered the recent decision to settle a massive class action suit against the world’s two largest credit and debit card payment processors to be a big success, larger companies have expressed concern over it. Walmart recently came out in opposition to the $7.25 billion settlement between merchant groups and Visa and MasterCard,... Read More

Bank of America to Issue No-Swipe Credit Cards

Bank of America to Issue No-Swipe Credit Cards

Bank of America to Issue No-Swipe Credit Cards

One of the nation’s largest credit card lenders recently decided to join the push among its competitors and begin issuing a new type of plastic to some of its more affluent customers, allowing them greater purchasing flexibility, security and availability both at home and when they travel overseas. Bank of America will soon begin issuing... Read More

Twitter Hashtags Credit Card Customers Should Know

Twitter Hashtags Credit Card Customers Should Know

Twitter Hashtags Credit Card Customers Should Know

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Following your credit card issuer definitely has some benefits. Oftentimes, the social network is the best place to learn about exclusive offers, discounts or new promotions an issuer is rolling out.... Read More

PayPal Acquires Mobile Credit Card Platform

PayPal Acquires Mobile Credit Card Platform

PayPal Acquires Mobile Credit Card Platform

PayPal, one of the world’s largest online payment processors, recently revealed that it had purchased mobile developer startup card.io. The smaller company was best-known for developing a system that allowed businesses to process credit card payments using the camera on a mobile device to snap a picture of a card number. [Free Resource: Check your credit score and report card for free... Read More

3 Credit Union Credit Cards You Should Consider

3 Credit Union Credit Cards You Should Consider

3 Credit Union Credit Cards You Should Consider

PenFed Premium Travel Rewards from American Express [UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] New data from Experian finds that while credit unions are more apt... Read More

Kmart Prepaid Card Fails to Stand Out

Kmart Prepaid Card Fails to Stand Out

Kmart Prepaid Card Fails to Stand Out

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Kmart unveiled its version of the increasingly popular prepaid debit card this week, but, following the nationwide rollout of Chase’s game-changing Liquid, the product really doesn’t stand out. The Halogen Prepaid MasterCard,... Read More

Olympics-Bound? Snag Some Credit Card Perks

Olympics-Bound? Snag Some Credit Card Perks

Olympics-Bound? Snag Some Credit Card Perks

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] As the first groups of Olympic athletes make their way to London this week, the tourists are soon to follow. According to the official site for the London Olympics, 11 million ticketholders... Read More

Apple: No Mobile Wallet with iPhone 5

Apple: No Mobile Wallet with iPhone 5

Apple: No Mobile Wallet with iPhone 5

Many experts have pointed out that the use of near-field communications technology to make credit card purchases using smartphones will likely only become more ubiquitous when companies develop phones capable of this type of transaction, but one major tech company won’t do so yet. Unlike major competitors such as Google and Microsoft, it seems as... Read More

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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.



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