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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
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Discover it«
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0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred. *Click 'Apply' to see rates, rewards, and free FICO« Credit Score terms and other information.
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Citi« Dividend Platinum Select« Visa« Card
Citi« Dividend Platinum Select« Visa« Card
$100 cash back after $500 in purchases within the first 3 months of account opening. Compare cash back credit cards.
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Credit Card Applications Explained

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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.

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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.

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, 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.

Credit Card Reviews

Credit Card Reviews and Tips from the CardWisdom Blog


Can You Sell Your Miles?:Frequent flier miles offer amazing value when they are used for last minute flights and for awards in international business and first class. Nevertheless, there are a variety of reasons why some travelers may not be able to receive┬á as much value as they want to from the miles they earned from their credit card. […] read more

MasterCard World Travel Hotel And Resorts Program:One of the benefits offered to holders of certain credit cards in the MasterCard network is the World Travel Hotel And Resorts Program. This benefit, included with all World and World Elite MasterCards, features discounted travel experiences and benefits at their collection of hotels and resorts around the world. Hotel benefits World and World Elite […] read more

Coping With Devalue Frequent Flier Miles:United Airlines just announced a major devaluation of their MileagePlus program. The number of miles needed for awards tickets to international destinations is going up sharply, and the price of awards for travel on partners is increasing dramatically. In some cases, the number of miles required is increasing by nearly double! This comes on the […] read more

What To Do With Small Mileage Balances:If you collect frequent flier miles and hotel points, eventually you will find yourself with several accounts that only have a few thousand miles or points in them. In many cases, families will have children or other relatives whose accounts were opened just to earn a small amount of rewards If these miles are not […] read more

Should You Get The Citi HHonors Card or HHonors Reserve?:One of the great things about hotel reward points is their flexibility. Those who have points in a program like Hilton HHonors can redeem them for an award night in any available, unsold room. In fact, guests can use these points at a nearby property rather than having to fly across the country to take […] 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 Online" button, you can review the credit card terms and conditions on the issuing company's website. Discover and other credit card companies are paid advertisers on

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