4 Invitation-Only Credit Cards

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

7 Signs You’re Ready for an Annual Fee Credit Card

Credit Cards

7 Signs You’re Ready for an Annual Fee Credit Card

7 Signs You’re Ready for an Annual Fee Credit Card

Some people simply prefer credit cards with no annual fee. Perhaps they don’t feel the additional value they would receive justifies paying an annual fee, or perhaps they just don’t want to pay to use a credit card on principle. Whether you’re one of these people or you’re simply taking an interest in a new... Read More

The Best Cash Rewards Credit Cards in America

Credit Cards

The Best Cash Rewards Credit Cards in America

The Best Cash Rewards Credit Cards in America

This month, in our Best Credit Cards In America series, we look at the best cash rewards cards. Cash-back rewards have many advantages over receiving points or miles. Unlike airline miles and hotel points, cash rewards are easy to redeem and can be used to pay any expense. In addition, all the points and miles... Read More

Airline Rewards Credit Cards: How to Pick One

Credit Cards

Airline Rewards Credit Cards: How to Pick One

Airline Rewards Credit Cards: How to Pick One

Credit cards that offer airline miles are some of the oldest and most popular types of reward cards, and people are lured into these products by the tantalizing prospect of a free flight. But how do cardholders pick the right reward credit card? Here are a few of the most important questions to answer when... Read More

Rewards Credit Cards: How to Pick One

Credit Cards

Rewards Credit Cards: How to Pick One

Rewards Credit Cards: How to Pick One

Do you deserve a reward for being responsible? If you are paying your credit card’s balance in full every month, the credit card market is set up to offer you valuable rewards for your spending. All you have to do is choose one of the many reward credit cards. And just like savvy savers choose... Read More

Can Credit Card Rewards Be Too Generous?

Credit Cards

Can Credit Card Rewards Be Too Generous?

Can Credit Card Rewards Be Too Generous?

Rewards credit card users are getting used to the idea of earning valuable points, miles, and cash back for their spending. At the same time, the card issuers are becoming ever more dependent on offering these rewards in order to attract and retain new cardholders. But in their frenzy to acquire valuable new customers, do... Read More

How to Get Rewarded for Your Holiday Spending

Credit Cards

How to Get Rewarded for Your Holiday Spending

How to Get Rewarded for Your Holiday Spending

Just a couple more weeks of holiday shopping remain. As you make those last minute purchases, keep in mind it’s not just how much you spend, but how you pay for your purchases, that matters. With reward credit cards, you may be able to treat yourself after the holidays by earning cash back, points or... Read More

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