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My Credit

Excellent
Good
Average
Bad
Limited History (e.g. Students)

Rule of Thumb:

If your Credit Score (FICO Score) Is:	Then you have:
Above 720	Excellent credit
660 - 719	Good credit
620 - 659	Average credit
Below 620	Bad credit
Less than 3 years of credit under your name (e.g. students, new to the country, divorcees)	Limited history / New to credit

More details about figuring out your credit standing.

 

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Card Categories

Personal
Small Business

• A credit card for yourself -- select 'Personal'
• A credit card for your business -- select 'Small Business'
  • You must be the owner or principal of the business AND
  • You must be able to provide a Tax ID Number (TIN) or Employer ID Number (EIN)

With both a Secured and an Unsecured credit card you build up your credit in the same way. Therefore,

• If you can afford to place a security deposit of $200 or more then we strongly recommend that you select 'Secured', since Secured credit cards have lower fees than the Unsecured credit cards.
• If you can NOT afford to place a security deposit of $200 then select 'Unsecured', but first make sure that you are comfortable with the fees associated with Unsecured credit cards.

• If you are a College Student, select 'College Student'.
• If you NOT a College Student and have less than 3 years of credit history under your name, select 'Other'.
  For example, if you are new to the country, or recently divorced and all the loans were under your spouses name then you most likely fit under the 'Other' category.

 

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Things I Care About

Intro Rate on Purchases

6-11 months    12+ months

Intro Rate on Balance Transfers

6-11 months    12+ months

Regular Rate: Any

 

Rewards

Cash Back Gas
Sports Miles
Hotel Points Other

 

We strongly recommend that you only select 1 or 2 of these 4 options. Most credit cards are not good in combining all 4 of these features.

• Intro Rate on Purchases: For the first few months, some cards offer a 0% Introductory APR/Rate on your purchases.
• Intro Rate on Balance Transfers: Some cards offer a 0% or a Very Low Introductory APR/Rate on any balances that you transfer from another credit card.
• Regular Rate: After the Introductory Period is over (if any) this is the Interest Rate that will be charged on BOTH your Purchase and Transferred balances.
• By checking this option you will have an opportunity to filter out cards that have a Regular Rate above your threshold.
• Rewards: If you make a lot of purchases every month you can get significant benefits -- like cash back, hotel points, airline miles, etc.
• We recommend that you get a Cash Back credit card since the benefits that you will get will be the most transparent.

 

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Networks

Visa®0 MasterCard®0 American Express®0 Discover®0

We recommend that you at least have a VISA or a MasterCard in your wallet since they are the most commonly accepted cards.
If you do, then you should keep all 4 checkboxes checked.

Credit Card Networks determine where your credit card is accepted. These days most stores, businesses, etc. accept all 4 of them (VISA, MasterCard, American Express, Discover), but there are definitely exceptions.

If you would like to select specific credit card companies, click on the 'Companies' filter (below).

Credit Card Networks determine where your credit card is accepted. These days most retail stores, businesses, etc. accept BOTH Visa and MasterCard.
Therefore, we recommend that you keep BOTH checkboxes checked.

 

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Annual Fee

None      $1 - $40      $41 +

Unless you have Excellent or Good Credit, we recommend that you do not eliminate the cards that have an Annual Fee because you will significantly limit your choices.

Paying an annual fee is not always a bad thing; sometimes the credit cards with annual fees offer higher rewards and lower interest rates.

Note: In order to make comparisons easier, when a card has a monthly fee we multiply that monthly fee by 12 and show it as an annual fee.

 

 

 

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Advanced Options

(Transfer Fee, Foreign Fee, Search)

Balance Transfer Fee:

Transfer Fee (or Balance Transfer Fee) is the fee that you will get assessed if you transfer a balance from another credit card.

Examples:

• A Transfer Fee of 3% (max $99) means that your fee will be 3% of the transferred balance, but not above $99.
• A Transfer Fee of 3% means that your fee will be 3%, with NO maximum.

Note: In order to make the math easy, a 3% fee equates to $30 for every $1,000 transferred.

None
3%, but a fee no greater than $100
3% Calculator

 

Foreign Transaction Fee:

Foreign Transaction Fee (or International Transaction Fee) is the fee that you will get assessed on the purchases that you make while traveling outside the U.S.

Example:
If you get a card that has a Foreign Transaction Fee of 3% and you charge $1,000 on this card while you travel outside the U.S., you will get a $30 fee.

None   1%   2% 3%

 

Show Default APR?

By selecting 'Yes', we will show you the 'Default APR' next to each credit card.

Default APR is the Rate/APR that ALL your rates might switch to if you fail to make on time payments, and/or when you exceed your card's credit limit. Default APRs are usually above 20%!

It is very important that you are aware of the Default APR so that you do not end up losing your Introductory Rate/APR or Regular Rate/APR.

Yes   No

 

Search:

If you are looking for credit cards that have certain keywords (e.g. CashBack, Hilton, VISA) as either part of their name or description, then you can enter these keywords here.

By checking the checkbox below the search box we will ONLY show you the cards that match the keywords + all the other criteria that you have specified in the above filters.

 

Clear
Include all of my above criteria [ ? ]

By checking this checkbox we will ONLY show you the cards that match the keywords in the search box + all the other criteria that you have specified in the above filters.

For example, if on the very first filter you select 'Excellent' Credit and on the search box you enter the word 'VISA' then:

• If the checkbox is checked, we will only show you the VISA cards that are for people with Excellent Credit.
• If the checkbox is NOT checked, we will show you ALL the VISA cards regardless of your choices on any of the above filters.

 

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Companies

Select All

Advanta0 (only) American Express ®0 (only) Bank of America ®0 (only) Capital One ®0 (only) Chase ®0 (only) Citibank ®0 (only) Discover ®0 (only) First National0 (only) Merrill Lynch ®0 (only) Other0 (only)

Unless you 've had a bad experience with a particular credit card company, we recommend that you keep all of the checkboxes selected so that you can enjoy a better selection.

 

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Recently Viewed Cards

For your convenience we have included in this list the names of the last 5 cards that you clicked on.

Click on any of these links to quickly re-visit the particular credit card.

 

 

* We work hard to present you with the most accurate information, however, this information does not originate from us and thus we do not guarantee the accuracy of the information.

Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please Let us know if you find any differences.

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