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Credit Card Finder
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Credit Card Applications Explained
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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
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Credit Card Tips & Tricks
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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, 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.
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Editor's Pick - Best Credit Card
Companies
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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.
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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.
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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
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Credit Card Reviews and Tips from the CardWisdom Blog
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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
Making The Points You Already Have More Valuable, Retroactively:Bank operated reward systems are not as complicated as the airline’s frequent flier programs, but they do have their nuances. It is a poorly understood reality that most of these programs have several different reward options, depending on which credit cards the customer holds. Some cardholders may only be able to redeem their points for [...] read more
How I Book Awards:When people first start collecting miles, they often have a goal in mind for what they want to use them for. Once they reach that goal, they feel like they have accomplished something and are ready to book their award flight. In reality, they are perhaps only half way to their goal. In fact, the [...] read more
Credit Cards From Online Travel Agencies:I have never been a big fan of online travel agencies. For my money, I would prefer to book my air directly with the airline, and my hotels directly from the hotel chain, and so forth. But there is no denying the convenience of using one of the major online travel agencies, especially when you [...] read more
Planning a Big Trip:If I were to teach a college level class in credit card rewards and award travel planning, the final exam would be the planning of a big trip. By big, I mean more than just a long weekend to a domestic location. No, a big trip for me is two weeks or more on another [...] read more
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