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Benefits of Credit Cards often Trump the Convenience of Debit Cards Debit cards offer convenience and are becoming increasingly popular with consumers, but they still don't offer many of the same benefits as credit cards do. In fact, I can think of five specific areas where credit cards offer. Read more...

Discover Customers Get Helpful Text Messages Mobile SMS and e-mail alerts notify customers about charges and credits. On the heels of launching a smartphone version of its secure customer website, Discover Financial Services has recently rolled out a selection of mobile account reminders. Read more...

 

Featured Cash Back Rebate Credit Cards

Apply for the Discover More credit card.Apply for the Discover® More credit card here. The best credit card to have for cash back with cash back of upto 5%. Discover also offers a 0% Intro rate for 6 months on Balance Transfers* and Purchases*.

Apply for the Discover Open Road credit card.Also consider the Discover® Open RoadSM Card which offers 5% Cashback Bonus® on gas and auto maintenance purchases. Earn rewards wherever you go*. Also a good balance transfer credit card with a 0% intro rate for 12 months on Balance Transfers*.

Featured
Low Rate Credit Cards

Apply for the Citi Platinum Select credit card.The Citi® Platinum Select® Credit Card offers a rate as low as 11.99% depending on your credit score. On top of this, Citi offers a 0% intro rate on purchases and balance transfers for up to 12 months. This is a free credit card with no annual fee.

Apply for the Discover More credit card.Save credit card interest with the Discover® More credit card. This is a good bank credit card to have with a low rate feature. Discover offers a 0% Intro rate for 6 months on Balance Transfers* and Purchases*.



Featured Low Intro Rate Credit Cards

Apply for the Capital One No Hassle MilesSM Rewards.Considering a low introductory rate credit card? The Capital One® No Hassle MilesSM Rewards credit card offers a 0% APR on purchases until May 2010. Offers 2 miles per dollar spent above $1,000 each month. This is a free credit card with no annual fee.



Featured Airline Reward Credit Cards

Apply for the Capital One No Hassle MilesSM Rewards.The Capital One® No Hassle MilesSM Ultra for Professionals credit card offers 2 miles for every dollar spent on purchases. Best credit card with no blackout dates and no seat restrictions. No limit on the miles you can earn and miles don't expire.

Apply for the Capital One No Hassle MilesSM Rewards.The Capital One® No Hassle MilesSM Rewards Visa card offers 2 miles per dollar spent above $1,000 each month. No limit on the miles you can earn and miles don't expire. No blackout dates and no seat restrictions. No Annual Fee.



  Featured
Student Credit Cards

Apply for Siscover Student Card.Consider the Discover® Student Card, the best credit card for students, with a 0% APR on purchases for six months. $0 Fraud Liability if your card is ever lost or stolen. Upto to 5% cashback as well.


Featured Small Business Credit Cards

Apply for the Starwood Preferred Guest business Card from American Express. Earn up to 25,000 Starpoints® - good for up to 6 free nights or 1 Award flight - with the Starwood Preferred Guest® Business Card from American Express OPEN. A business credit card with no annual fee for the first year - a savings of $45.


Bad or No
Credit Featured Cards

Apply for the American DreamCard.If you have limited credit and would like to obtain the best credit card that is unsecured, then we suggest the American DreamCardTM. The first and only "Pooled RewardsTM" Credit Card. Best credit card to build or rebuild your credit.




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July's Featured Cards: About

Capital One No Hassle Miles Rewards for Excellent Credit
Capital One No Hassle Miles
Ultra for Professionals

Citi Platinum Select MasterCard
Citi Platinum Select
MasterCard


Welcome to our award-winning website! We have been educating consumers about credit cards since 1998 and have been featured by hundreds of media outlets including The Wall Street Journal, Good Morning America, The New York Times & The Today Show. Thanks to consumers, our site has become the most comprehensive free source for comparing credit card offers and has helped over a million people find the best credit cards for their individual needs.

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Credit Report & Free Credit Score

Consumer advocacy groups recommend that you obtain a copy of your credit report at least once a year to reduce the risk of identity theft and fraud. The good news is that you can now obtain your credit reports without cost or obligation thanks to federal legislation.

Similarly, it is recommended that you know what your credit score is when "shopping for credit cards". A high credit score is often the key to obtaining the best credit cards. You can instantly get your credit scores for free online.


Secure
Online Credit Card Applications

Our newest credit card comparison report rates credit cards that offer online credit card applications. It is quick and convenient to apply online. Some cards offer expedited online credit card application processing-also known as instant approval credit cards.

All online applications are safe and secure. Many featured credit cards offer online balance transfers that have introductory credit card rates as low as 0%. Such low rate offers could help save you 1000s of dollars in interest or finance charges.

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How to Profit from Credit Cards - Available Now!How to Profit from Credit Cards! We're very excited to announce that the much anticipated new book from CardRatings.com founder, Curtis Arnold, How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line is available for instant shipping! Curtis also recently co-authored The Complete Idiot's Guide to Person-to-Person Lending.

Insider tips! Subscribe to our popular e-mail newsletter to receive updated credit card reviews, including updated reviews of the best rated credit cards, and insider tips on managing credit responsibly. Be sure to visit our newsletter archive.

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We are proud to offer consumers an active message board and daily credit news. Our board is actively monitored and currently has over 120,000 posts (since May 2000). New posts are added daily! Our news articles are written by our staff writers and are distributed via Google News and our RSS news feed.

We are proud to announce that we are now archiving posts from our old board! You will now be able to search older posts via the new board interface. This has been a very tedious process- we appreciate your patience. We have also created a new blog and are now offering RSS feeds. Bloggers are welcome! :0)

community outreach

We volunteer on a regular basis to educate consumers about credit cards in public settings, such as college campuses. Special thanks to Professor Mary Ann Campbell, CFP for allowing us to recently address her undergraduate personal finance class at the University of Central Arkansas.

We also participate in financial education efforts by being a National Partner of the Jump$tart Coalition for Financial Literacy. Jump$tart, a non-profit organization, targets K-12 and college students. We are proud that Curtis Arnold, our Founder, is co-chair of the Arkansas Jump$tart Coalition.

Finally, we are proud to financially support various charities and non-profit organizations, such as PBS (public television), the Arkansas Festival Ballet, Ballet Memphis and Ballet Magnificat.

credit
education articles

If you need to maintain your credit rating and the use of some credit cards, "traditional" debt management will usually not work. Accelerated Debt Consolidation offers debt management services for consumers that must maintain their credit. Credit card debt settlement is also an option worth considering.

Our articles include info. about credit card comparisons, instant low rate balance transfer credit card offers (including 0% credit card balance transfers), low rate credit card offers, and fixed rate credit card offers.

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American Express Credit Card: I have never had a problem with American Express and give them high marks for their customer service and products. Every time that I have called with a problem, it has been taken care of immediately whether it be a credit line increase or a charge on my statement.