There’s no doubt that credit cards have become an important part of today’s society. And for good reason! Credit cards make buying easier – you don’t have to carry around loads of cash or write a check every time you buy something. Credit cards protect you, the consumer – many credit cards offer purchase protection and travel protection that just isn’t available with other forms of payment. And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.
When shopping for a credit card, there are dozens of cards to choose from. It can be somewhat intimidating to decide which credit card you should choose. Just remember that different credit cards are designed to appeal to different consumer needs. Find out what’s most important to you in a credit card, and your decision becomes much easier.
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Low Interest Rate
Zero Balance Transfer Fee
Zero Interest Rate
Zero Introductory APR
To help you with your credit card decision, we’ve arranged several dozen credit cards into the categories below. Within each category, we’ve ranked the credit cards from best to worst. For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards. If you want a card that charges low interest rates, then look at the Low Interest Rate Credit Cards. Or if you’re a student and just starting out establishing credit, look at the Student Credit Cards.
Once you decide on the credit card that you want, applying for it is easy. You can simply fill out online the secure form on the credit card application page. This normally takes less than 10 minutes, and typically you’ll find out within 24 hours whether you’ve been approved for your credit card. Then your card should arrive within 5-7 days through the mail, and you’ll be all set to start using your new credit card.
TopConsumerReviews.com has reviewed and ranked the best credit cards available today. We hope these reviews help you find the right credit card that meets your needs!
How to Avoid High Interest Rate Credit Card Charges
Despite recent laws designed to protect the credit card consumer from unfair interest rate changes on credit cards, rate increases are still a normal practice and how lenders make much of their money. There are several steps you can take to avoid paying too much interest and that can mean the difference hundreds to thousands of dollars in savings. It’s highly likely that you’ll have to incur some type of rate increase with your credit card but, you may be able to mitigate the impact with several of the tips below.
- Pay attention to your credit card statements. Review the stated interest rate each and every month to make sure you know what’s going on. Read any and all rate change documentation you receive.
- The easiest way to avoid paying more interest and being accessed a larger interest rate on your credit card is to pay off the balance, each month, before the grace period ends. Most credit card issuers give you around 21 days to pay off your new purchases before you’ll have to start paying interest on the balance. Interest expenses show up on your statements as a finance charges.
- If paying off the balance isn’t an option you should make bigger payments. The smaller the credit card balance the smaller the accessed interest charges.
- Avoid making late payments. Credit card companies are allowed to penalize card holders when they aren’t making payments on time. They do need to contact you and give you 45 days notice before hiking up your interest rate.
- Be smart with promotional rates. With any new credit card, always read the fine print to find out if the initial rate is considered promotional, or short term, how long that period is and what your subsequent rate will be.
- If you’ve been notified that your interest rate is going up you have a couple of options. You can call your credit card company to attempt to negotiate the rate down. If they won’t budge than you can tell them you’ll find another company that will. Or you can reject the change. However, that may mean you’ll no longer be able to make future purchases on that card but you’ll be able to pay off the balance at the current rate – saving you significantly in the long run.
As a credit card customer you need to be proactive with managing how much interest you’re being charged. This will mean significant savings to you over the course of one to several years from now. Paying off charges quickly, making timely payments and working with your lender are some of the key methods to keeping interest rates down.
Credit Cards In The News
Delta Air Lines is rolling out a new frequent-flier credit card with no annual fee, part of an effort to court new customers in the increasingly lucrative market for airline-branded credit cards. The new “Blue Delta SkyMiles Credit Card” will become .
Published: Wed, 06 Sep 2017 05:25:00 GMT
JPMorgan Chase and United Airlines are launching a new travel-rewards credit card. The United TravelBank Card offers a blend of cash-back rewards and traditional travel perks. Unlike premium travel cards like the Sapphire Reserve, the TravelBank card is .
Published: Wed, 06 Sep 2017 05:36:00 GMT
New card will offer extra rewards on dining and travel AmEx has been tinkering with co-brand offers since Costco loss For its latest airline card, American Express Co. is looking for people who don’t travel. Yet. AmEx will debut the Blue Delta SkyMiles .
Published: Wed, 06 Sep 2017 05:42:00 GMT
There’s a natural impulse to see this as a bad sign: the last time credit card debt hit $1 trillion, things didn’t end so well. High revolving-debt levels can be an indication that consumers are struggling to make ends meet or that their incomes aren’t .
Published: Mon, 04 Sep 2017 08:30:00 GMT
Delta Air Lines is debuting a new credit card with American Express targeted at young travelers and casual travelers. The new credit card launching Thursday, the Blue Delta SkyMiles card, will have no annual fee and double miles for spending at U.S .
Published: Wed, 06 Sep 2017 05:47:00 GMT
Rewards credit cards, when used responsibly, can bring a nice stream of passive income and benefits by making regular purchases. Rewards take the form of cash back, airline and hotel points, general spending points and other cardholder perks. Some even .
Published: Tue, 05 Sep 2017 13:55:00 GMT
It seems like common sense: Closing a credit card reduces the possibility of more debt, so that should help your credit score, right? Not so fast. What will likely happen is your score will go down. How much it drops depends on the card you close and its .
Published: Tue, 05 Sep 2017 02:15:00 GMT
Women shop a lot: We make 85% of all consumer purchases, according to data from the research firms Yankelovich Monitor and Greenfield Online. All that shopping means we’re pulling out our credit cards often – and it turns out, perhaps thanks to all .