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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® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Offers a 0% Intro APR on balance transfers and purchases for 18 months.* Compare 0% APR credit card offers.
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Discover it®
Discover it®
0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Apply Now
   

Gold Delta SkyMiles(R) Credit Card from American Express
Gold Delta SkyMiles(R) Credit Card from American Express
Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
Apply Now
   

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.
Apply Now
 
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.

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.

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.


Credit Card Reviews

Credit Card Reviews and Tips from the CardWisdom Blog

 

When To Stick With Cash Back Cards:There are some well known travel writers who like to proclaim that points and miles are a big scam. Their evidence is based on the fact that many travelers cannot get the award flights that they want, at the mileage levels they were promised. And when they do, airlines impose enough surcharges and fees that [...] read more

Understanding The Terms Of Reward Travel:One of the challenges of earning travel rewards is navigating the complex world of airline terminology. Without understanding a few terms, it can be impossible to decode airline web sites as well as articles about how to book travel. To get you started, here is a brief glossary of some of the most misunderstood terms: [...] read more

The Case For Business Class:When all other factors are equal, it is easy to choose business class over coach. But unless a third party is paying for our tickets, there are many things that travelers must consider before booking a business class ticket. For a long time, I was opposed to business class tickets. According to my reasoning, I [...] read more

It Almost Never Pays To Transfer Miles:Airlines and hotels all offer to transfer miles between account holders, but usually at a cost of several cents per mile or point. In fact, the cost of these transfers usually exceeds the value of the points or miles in the first place. But what many travelers don’t realize is that in most cases, these [...] read more

Maximizing American Express Membership Rewards Points:Long before Chase offered its innovative Ultimate Rewards program, American Express cards featured its Membership Rewards program. And while these points are incredibly flexible, it is up to cardholders to extract the most possible value from their hard earned points. Here is how I do it: First, I avoid the “Pay With Points” option. This [...] 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 CardWisdom.com.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
 
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