I’m tired of dealing with poor customer service! Which credit card company is the best for customer service?
Let's define "customer service" as a bank's ability to get results when something goes wrong, no matter who's responsible. For instance, if you're late on a payment or if you get declined for a credit line increase, a bank's customer service team should be able to walk you through what happened without sounding rude or [...]
I have a credit score between 660 and 720. How can I compare credit cards I qualify for?
Now that more of us use credit score reporting services to track our ratings on FICO, VantageScore and other services, it's tempting to read the tea leaves to see if a change of a few points will make a huge difference in the types of credit card offers we see. In reality, it's best to [...]
Please evaluate the Blue Cash Everyday Card from American Express.
Q: Please evaluate the Blue Cash Everyday® Card from American Express.
A: Many cash back credit cards require cardholders to spend tremendous amounts of money before they see any substantial benefits. American Express overhauled its Blue Cash cards in the spring of 2011 to address those concerns, offering an "Everyday" cash back rewards card with real [...]
What is the best gas rebate card? I've read that PenFed offers a 5 percent rebate.
Q: What is the best gas rebate card? I've read that PenFed offers a 5 percent rebate, but I am not familiar with this card.
Editor's Note: Thank you for your interest, these offers have expired and are no longer available.
A: One of the best gas rebate credit cards you've never heard of comes from an [...]
I see your ratings on the credit cards, but can't find how you rate your cards and what the ratings mean?
Q: I see your ratings on the credit cards, but can't find how you rate your cards and what the ratings mean?
A: CardRatings.com uses a "star" scale not unlike the one used by your favorite movie or theatre critics. Why we assign those stars has a lot to do with how credit card issuers add [...]
I am trying to decide between a CitiBank and Discover balance transfer offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense?
Question: I am trying to decide between a CitiBank and Discover balance transfer credit card offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense?
Answer: Great question. [...]
How do I know what kind of credit card to choose and from what issuer?
Question: How do I know what kind of credit card to choose and from what issuer?
Answer: Because applying for many credit cards in a short time can damage your FICO credit score, it's important to compare credit cards carefully and pick just one or two that you think you'll want to stick with for a [...]
What's the difference between the Chase Freedom® and Chase Sapphire® cards? Which one is preferred?
Question: What's the difference between the Chase Freedom® and Sapphire cards? Which one is preferred?
Answer: That's a bit like asking whether you prefer the Frappuccino or the Vivanno, even though you get them both at Starbucks. Both rewards credit cards seem to be geared to different consumer groups.
If you travel often, you'll probably prefer the [...]
What is the difference between frequent flyer and rewards credit cards?
This is a great question. There are many credit cards in each category, but there's also some overlap. For instance, if you're flexible about which airline you fly, some cards offer miles that you can also redeem for hotel rooms, car rentals, and more. It's also smart to look for a card that can save you [...]
I'm trying to compare the average rates for MasterCard, Visa, and Discover, but I get too many different answers.
Question: I'm trying to compare the average rates for MasterCard, Visa, and Discover, but I get too many different answers.
Answer: If you're trying to compare credit card rates by
brand--MasterCard, Visa, Discover or even American Express--you are going about
it the wrong way. The difference in rates is not in the credit card brand: [...]