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Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points

By  Curtis Arnold, Editor-in-chief
Here's a card that makes it easy to earn points toward rewards for everyday purchases with the ThankYou Network. For starters you can earn 20,000 bonus ThankYou Points after you make $1,500 in card purchases within the first three months of account opening, which you can redeem for $200 in gift cards or other rewards.

Barclaycard® Rewards MasterCard®

By  Curtis Arnold, Editor-in-chief
The next British invasion may hit your wallet instead of your music collection, with UK lending giant Barclays using its Barclaycard brand to make inroads into the American credit card market. For a few years now, Barclaycard has backed some recognizable retail and travel rewards cards bearing familiar brands like US Airways and Wyndham Hotels.

Chase Freedom ®

By  Curtis Arnold, Editor-in-chief
Those willing to keep track of quarterly spending categories stand to save some serious coin when paying with this cash-back card. Plus, you can snag a tempting sign-up bonus with smart spending during the first couple months with this card.

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Q: Will going from a secured credit card to an unsecured credit card improve my credit?
A:

That depends on how your bank reports your account to the credit bureaus. Many credit-scoring algorithms assign points based on the length of your overall account history, the age of your oldest open account, and the number of lenders reporting positive status.

Q: If I just filed for bankruptcy at the beginning of the year, when can I get another credit card to start building back my credit?
A:

Nearly two out of three bankruptcies in the United States happen because of medical bills, unexpected job losses or other reasons outside consumers' control.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

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Meet our editors

Amber Stubbs
Amber Stubbs
Managing Editor

Amber has been researching the credit card industry for more than nine years and has been interviewed by members of the national media including USA Today, The New York Times, Time, TheStreet.com, and The Chicago Tribune. Amber became passionate about personal finance after overcoming difficulties with her own credit.

Curtis Arnold
Curtis Arnold
Editor-in-chief

Curtis, a nationally recognized consumer educator and advocate, has been educating consumers about credit cards since 1998. Curtis is the author of “How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line” (FT Press, 2008). He is regularly interviewed by respected members of the press.