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Credit Card Offers for people with good, excellent, average, and bad credit
Credit Card Application Tips - Credit Card Calculators


     
 
 
 
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Best Credit Card Offers

Best Credit Cards - Editor's Selections

At Card Wisdom, you can research current credit card offers, learn how to analyze credit card applications, and utilize our credit card calculators to uncover the best credit card deals for your needs. Our goal is to arm you with the information you need to make a wise credit card decision.


credit card calculators
Credit Card Calculators
Card Wisdom's credit card calculators can help you analyze credit card offers so that you can find ways to save and earn money with credit cards.
Balance Transfer Credit Card Calculator If you have credit card debt, the balance transfer calculator can show you how easy it is to save hundreds on interest in just one year.

You could be earning a few hundred dollars a year in credit card rewards. Find out how with the credit card rewards calculator.

Rewards Credit Card Calculator
 
 
Citi® Platinum Select® MasterCard®
Citi® Platinum Select® MasterCard®
Offers a 0% Intro APR on balance transfers and purchases for 21 months. Compare 0% APR credit card offers.
Apply Now
   

Capital One® VentureOne(SM) Rewards Credit Card
Capital One® VentureOne(SM) Rewards Credit Card
1.25 miles per dollar on every purchase, every day.
Apply Now
   

Citi® Divdend World MasterCard® - $100 Cash Back
Citi® Divdend World MasterCard® - $100 Cash Back
Get a $100 cash back sign up bonus after spending $500. Compare cash back credit cards.
Apply Now
   

Discover® More Card
Discover® More Card
Offers a 0% intro APR on balance transfers for 18 months. Compare balance transfer credit cards.
Apply Now
   
Credit Card Applications Explained

Credit Card Applications Explained

Secrets of 0% APR Credit Card Applications: What's the difference between a credit card application that offers a 0% APR for 12 months and a credit card that offers a 0% APR for up to 12 months. In many cases, as much as 6 months. Learn how to spot the best 0% APR credit card offers.

Secrets of Low Interest Credit Card Applications: Most credit card applications advertise the lowest available long term interest rate. However, when you apply for a credit card offer that has an interest rate as low as 12%, you could get a credit card with an interest rate as high as 22%. Learn how to spot credit card offers that provide the best opportunity to secure lower interest rates.

Finding the Best Credit Card Application for You: There really is no best credit card for everyone. What might be a great credit card offer for one person, may be a horrible deal for you. Learn how to isolate what credit card features are important to you and apply this when comparing credit card applications.

Learn About Credit Card Applications


About Cardwisdom.com About CardWisdom.com's Editor

A message from the Editor: The goal of Card Wisdom is to share the knowledge I've gained from working in the credit card industry for over six years. Comparing credit card offers can be a confusing process and, although the CARD Act has eliminated many of the worst credit card practices, sorting through credit card application fine print is still a difficult task. To learn more about me and the goals of Card Wisdom, please see the about us page.


Credit Card Application Tips

Credit Card Tips & Tricks

How Many Credit Cards Do I Need?: Having just one credit card can put you in a difficult situation if your credit limit is cut while you are traveling or your credit card is lost or stolen. Find out why you should have at least two credit cards available at all times.

Capital One Venture Credit Card Review: Capital One Venture credit cards make for pretty funny commercials. However, the Capital One Venture Card is among the best rewards credit cards available and, in my opinion, is better than many cash back credit card offers, even with the annual fee.

No Foreign Transaction Fee Credit Cards: If you are looking for a credit card with no foreign transaction fees, your options are limited. However, a no foreign fee credit card can save you 3% on international charges, so foreign travelers will definitely want one of these credit cards in their wallet.

Cash Advance Credit Cards: Credit card cash advances are the most expensive and inefficient way to use credit cards. Not only do these transactions cost three to five percent up front, but interest is charged on cash advances the minute you use your credit card to get cash.

Balance Transfer Offers: Because balance transfer credit card offers provide consumers with perhaps the best opportunity to save money with credit cards, our company has an entire web site devoted to this subject, www.SmartBalanceTransfers.com. At Smart Balance Transfers, you can learn about saving money with 0% balance transfer credit cards and stay up to date on balance transfer specific news.

0% APR Credit Card Checks are Risky: 0% APR credit card checks sent by your credit card company may appear to be a good deal on the surface, but many of these 0% balance transfer offers may create more problems than they solve.

Chase Freedom Credit Card Review: The Chase Freedom credit card is one of the better offers out there for those who want cash back, but don't charge tens of thousands of dollars a year. Depending on what's available, this card comes with generous sign up bonuses that rival those offered by high annual fee airline credit cards.

Cash Back is the Best Credit Card Reward: As the old adage goes, cash is king. And this couldn't be truer when it comes to rewards credit cards. Airline miles are okay; points aren't so great. But cash back credit cards are definitely the best type of credit card rewards.

The Worst Credit Cards Ever: Credit cards for people with bad credit have always been dicey. However, the vast majority of credit card offers targeted to sub-prime consumers offer little benefits and come with absurd fees. In my opinion, bad credit offers are the worst they have ever been and the credit cards I discuss here may be the worst credit cards in history.


Best Credit Card Companies

Editor's Pick - Best Credit Card Companies

 

While the CARD ACT prevents all credit card companies from engaging in many of the worst credit card practices, some credit card companies engaged in unpardonable behavior prior to its implementation. The best credit card companies treat their customers fairly and offer valuable tools for managing their credit card accounts, no annual fee rewards programs and competitive interest rates.

  Discover credit card offers

Discover card proved to be the best credit card company during the credit crunch as it continued to do what other credit card companies did not: respect its customers. Currently, Discover offers a range of low interest credit cards that offer 0% introductory rates and no annual fee rewards programs.

 
 

Chase Credit Card Offers

Chase via Blueprint, offers consumers a unique online financial management tool as well as a suite of no annual fee rewards credit cards that provide some of the largest sign up bonuses in the industry.

More Credit Card Company Reviews

 

Credit Card Reviews

Credit Card Reviews and Tips from the CardWisdom Blog

 

The CARD Act's Limitations On Extending Credit To Young Adults:Anyone who attended college in the 80s and 90s has almost certainly been the target of credit card marketing on campus. Banks would frequently erect booths near dormitories and at major sporting events. Students would be invited to fill out credit card applications in exchange for t-shirts, duffel bags, or even a chance to win [...] read more

The Advantage of Using Cash Back Credit Cards with Fixed Reward Rates:Earning cash back on your regular spending is a fantastic benefit. When credit cardholders try to maximize the amount of money they receive, they have a nearly endless choice of credit cards to apply for. Among these cash back reward credit cards are those that offer fixed reward rates on all spending, as opposed to [...] read more

How To Encourage Responsible Credit Card Among Use College Students:Busy college students spend their school years learning all manner of subjects, but unfortunately, responsible credit card use is rarely one of them. Too often, Americans who struggle with credit card debt are merely continuing a habit that they began as college students. Therefore, it is vital that college students learn to use credit cards [...] read more

How Banks Calculate Credit Card Interest:Credit card users love the convenience and security that these products offer, but they hate paying interest. When cardholders are unable to pay their entire balance in full, interest will inevitably be accrued. While most credit card users will pay interest on the credit cards at some point, few are aware of exactly how that [...] read more

Using Credit Cards for International Travel:We all take for granted the convenience and security of using our credit cards within the United States. What is less certain is our ability to use our cards when traveling outside the country or overseas. While some novice travelers may have been under the impression that they can use their credit cards in foreign [...] read more


 
 
 
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*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
 
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