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!

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you will see lower interest rates on car loans, credit cards, and mortgages. Some employers and landlords even check credit reports before they make a job offer or approve a resident application. Building good credit takes time,... Read More

What to Do with a New Credit Card

What to Do with a New Credit Card

What to Do with a New Credit Card

If you’ve just gotten a new credit card, or you’re thinking about getting one, you’re probably excited about the prospect. A new credit card opens up a lot of possibilities, but it also involves a great deal of responsibility. It’s easy to fall into the habit of using your card carelessly. This can wreck your... Read More

Buying Bitcoin with Your Credit Card

Buying Bitcoin with Your Credit Card

Buying Bitcoin with Your Credit Card

If you’ve been paying close attention to digital currency, then you’ve probably heard about how high the value of Bitcoin was. In 2018, the value of a single Bitcoin reached almost $20,000. That value has since gone down, but it still hovers around the $3,000 mark making Bitcoin one of the most valuable cryptocurrencies in... Read More

How Do I Redeem Credit Card Rewards?

How Do I Redeem Credit Card Rewards?

How Do I Redeem Credit Card Rewards?

From getting free gift cards to getting free trips, you can redeem credit cards to save money. The trick to redeeming rewards for what you like is to know which credit card account offers you the best kinds of rewards for where you spend the most money. If you travel a lot, you might want... Read More

How Can I Earn Extra Credit Card Rewards This Year?

How Can I Earn Extra Credit Card Rewards This Year?

How Can I Earn Extra Credit Card Rewards This Year?

The average American spent approximately $850 on gifts during the 2018 holiday season. While it’s true that the holiday season is one of the most fun times of the year, it’s also one of the most expensive. If you spend wisely, you can earn lots of cash back by taking advantage of your credit card... Read More

Maximize Cash Back for the Holidays with these Credit Cards

Maximize Cash Back for the Holidays with these Credit Cards

Maximize Cash Back for the Holidays with these Credit Cards

[DISCLOSURE: Cards from our partners are mentioned below.] The holidays are coming. This may mean lots of shopping. You might be considering how you can spend money and earn rewards for shopping. Well, you’re in luck! There are some great credit cards out there that offer cash back rewards – which means that spending for... Read More

Keep Your Credit Card Issuer from Cancelling Your Card

Keep Your Credit Card Issuer from Cancelling Your Card

Keep Your Credit Card Issuer from Cancelling Your Card

Your credit card issuer is the company that issues you your credit card. Sometimes your issuer may be a bank like Chase or Capital One, a credit union, or a credit card company like Visa or Mastercard. Your credit card issuer is able to make decisions regarding your account as described in your card agreement.... Read More

Ways to Redeem Your Credit Card Reward Points

Ways to Redeem Your Credit Card Reward Points

Ways to Redeem Your Credit Card Reward Points

Having a rewards credit card comes with a lot of benefits. From being able to improve your credit score to being able to access money whenever and wherever you need it, the value of credit cards is huge. But, the most appealing benefit of a rewards credit card is earning rewards every time you shop.... Read More

Interest Rates Increase: What You Need to Know

Interest Rates Increase: What You Need to Know

Interest Rates Increase: What You Need to Know

After much speculation it finally happened and on December 19, 2018, the Federal Reserve raised the federal funds rate—the interest rate that banks and similar institutions charge to loan money to each other. That’s good and bad depending on where rates touch you and your finances. If you have a savings account and/or other investments,... Read More

How Safe Are Credit Cards with Chips?

How Safe Are Credit Cards with Chips?

How Safe Are Credit Cards with Chips?

Payments started with the barter system a long time ago. People exchanged goods or services for other goods or services. Eventually legal tender took over and money, in many forms—from tea bricks to cow to seashells—become the payment method of choice. Then virtual money came on the scene, including credit cards. And today’s credit cards,... 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