better credit card
More Ways to Find your Credit Card:
Useful Advice:
Credit Estimator
Let our Free Credit Estimator assess your credit standing. It's quick, easy & free.
Free Credit Check
Low Interest Credit Cards
Credit cards with a low interest rate / APR on an ongoing basis
Balance Transfer Credit Cards
Transfer a high interest balance onto a 0% APR credit card
0% APR Credit Cards
Credit card offers with 0% APR on all new purchases for 6 - 15 months
Best Credit Card Rates
Check out our Editor's Picks on the best credit card for low interest rates
Rewards Credit Cards
Credit cards that offer rewards points on all your purchases
Cash Back Credit Cards
Credit card offers that allow you to earn cash back on purchases
Gas Credit Cards
Rewards credit cards that offer extra incentives on gasoline purchases
Airline Credit Card
Earn miles on your purchases with one of the travel credit cards
Business Credit Cards
Credit card offers for small business owners and their employees
Student Credit Cards
Credit cards for college students that want to build their credit history
Secured Credit Cards
Guaranteed approval regardless of credit history or income
Charge Cards
Earn better credit card benefits by paying your balance in full every month
Why should I use a credit card?
First of all, everyone should have a credit card because it's the easiest way to add positive information to your major credit reports on an ongoing basis and thereby build credit. Whether or not you use it depends on whether it will cause you to spend more than you would otherwise. If it does not, credit cards offer a number of utilities in that they allow you to earn rewards, pay for big-ticket purchases over time, lower the cost of existing debt through balance transfers, save on foreign currency conversion, shop online, rent cars, easily track and manage small business spending, among many other things.
Do I have to give any personal information to Card Hub?
No. If you find a credit card offer that you like, we will redirect you to its issuer's website where you can fill out an application. Just remember to double check all of the terms and conditions of a credit card offer on the issuer's website before submitting an application.
Does Card Hub itself issue any credit cards?
No, Card Hub allows you to quickly and easily compare credit card offers from major issuers but is not itself a credit card issuer. You can think about us as a specialized search engine for online credit card offers, prepaid cards, charge cards, store credit cards and even gift cards.
Why is my credit standing important?
Your credit score indicates your fiscal responsibility and trustworthiness to credit card companies and underwriters. It thereby dictates the loan and credit card offers you qualify for as well as the rates you get. It can even affect things like car insurance premiums and the security deposit required to rent an apartment.
I had a bad experience with my credit card a few years ago, what's different now?
The CARD Act is what's different now. The new credit card law, which went into effect in February 2010, increased transparency in the credit card industry and dramatically strengthened consumer rights. Among the highlights of the law are provisions that lower penalty fees, eliminate arbitrary interest rate increases on existing balances, require better communication between issuer and consumer, and provide for favorable allocation of payments. Whereas many credit card offers used to be characterized by bait-and-switch tactics, you can now trust that what you see is what you get and that the benefits of using a credit card will not be marred by shady practices. While the CARD Act unfortunately does not apply to business credit cards, any company that offers credit cards will also now be under greater scrutiny than ever from regulatory and consumer-interest groups.
Question of the Week: How Quickly Will My Credit Card Company Remove Fraudulent Charges From My Account?
Having fraudulent charges on your credit card account can be nerve-racking, so it’s understandable why you’d want them removed as quickly as possi...
Quick Tips
- You should only consider credit card offers that match your credit standing.
- If you have trouble getting approved for a credit card or have bad credit history, your best bet is a secured credit card.
- If you revolve a monthly balance, focus only on the credit card offers with the lowest interest rates and ignore rewards.
- If you pay your bill in full every month, focus on identifying the best rewards credit card and ignore APRs.
- As a general rule of thumb, only get a travel rewards credit card if you accumulate over 30,000 airline miles or 20 hotel nights each year. If you don't meet these criteria, you should look into cash back credit cards. If you do, only opt for a card tied to a particular air carrier or hotel if the vast majority of the aforementioned miles or nights are with the same airline or hotel chain.
- If you're a small business owner, consider both business and general-consumer credit card offers and only revolve a balance on a general-consumer credit card or a business credit card from an issuer that is committed to never changing your interest rate unless you become at least 60 days delinquent. According to Card Hub studies, small business owners are usually held personally liable for business credit card use. In addition, the new credit card law (CARD Act) does not prevent issuers from arbitrarily applying increased interest rates to existing business credit card debt, unlike debt held on a personal credit card.
I'm in financial trouble, will a credit card help?
If you're already in financial trouble (e.g. late on payments, in collections, etc.), a credit card unfortunately won't be of any help since no credit card company will be willing to extend you any credit. Depending on the exact nature of your situation, you might need to consult a financial advisor or bankruptcy attorney or explore debt management programs in order to figure out what your next step should be.
Who's the best issuer, and what's the best credit network?
In practical terms, your card's network matters if you plan on traveling overseas. If you need a credit card to travel abroad, get a Visa card or MasterCard credit card with no foreign transaction fees since those two networks are the most widely accepted world wide. If not, focus on finding the best credit card terms possible.
When it comes to deciding on credit card offers from different issuers (e.g. a Capital One credit card vs. a Bank of America credit card vs. a Chase credit card), while there is undeniably a difference in customer service amongst credit card companies, we recommend that you focus on getting the best interest rates and rewards possible since the money you save by doing so will benefit you more in the long term than better customer service.
5 Ways to Put Unused Gift Cards to Use
A record $27.8 billion in gift cards were sold this past holiday season, according to the National Retail Federation, and given TowerResearch’s estimate that $41 billion in gift cards have…
Suze Orman Prepaid Card Evaluation
The best way to evaluate this card is to compare it to the best prepaid card offers on the market. As you know, prepaid cards have two different applications: 1) replacement checking account;…
Q4 2011 Credit Card Landscape Report
Key Findings:
Regular APRs rose across the board relative to Q4 2010 – Relative increases between 3.5% and 9.5% were observed among credit cards for excellent, good, and fair credit as…
| This Week | Last Week | |
|---|---|---|
| Balance Transfer | 16.36% | 16.36% |
| Low Interest | 16.40% | 16.39% |
| Business | 15.34% | 15.34% |
| Rewards | 16.56% | 16.58% |
| Cash Back | 17.07% | 17.06% |
| Secured | 19.40% | 19.40% |
User Testimonials:
"It's the GOOGLE for Credit Cards! I Can't believe how easy it is to filter through cards. Love this site! It's already bookmarked!"
