American consumers have spoken! They really like some credit cards.
From September through December, CardRatings.com asked readers to choose their favorite credit cards or issuer in five key areas. After tallying hundreds of responses, we present the CardRatings Consumer’s Choice Awards for the Best Credit Cards of 2010.
Best Cash Back Credit Card:
Winner: Blue Cash from American [...]
The second half of this year's Editor's Choice awards continues to spotlight credit cards and banks that bucked a trend toward fewer rewards and higher fees while offering enticing added value for cardholders.
Best Reward Point Credit Cards
Unless you never watch television and you didn't go to the movies in 2010, you've probably seen ads [...]
In 2010, the credit card industry bounced back from the effects of a nationwide recession, a slew of new federal regulations, and a sense of discontent among consumers who paid down balances faster than ever. A handful of credit cards led the charge to bring value, service, and convenience back to Americans:
Best Cash-back Credit Cards [...]
You hear people complaining about credit cards all the time.
But with more than a billion credit cards issued around the world, there must
be something consumers like about them. We at CardRatings want to know which
cards you like for cash-back, airline rewards, points rewards, best value and
best customer service. Take this quick survey and we'll share [...]
Do you usually end up in credit card debt after the holidays? If so, then make a vow
right now that this will be the year you change history. It won't be easy, but
you really can get through the holidays without buying stuff you can't afford.
How? By following this simple, 7-step plan to a debt-free holiday [...]
About two in three American shoppers spend more than $500 on holiday gifts
every year. That makes the new credit card discount offers at most retailers
very attractive to cash-strapped consumers. Gift givers who use retail credit
cards strategically can save $50, $100, or even more on their annual shopping
lists. Some stores even hand [...]
Life changes. It happens whether we like it to or not. And when changes occur, we often develop new credit card needs. Sometimes the signs that you need a new card are subtle. But sometimes they smack you right in the face.
If you experience any of the following, maybe it's time for you and your [...]
If you listen to the media, you'd think we'd all dropped our credit cards in
favor of swiping prepaid debit cards instead. Sure, there's plenty to like about
prepaid debit cards, but there are various downsides to think about, too. Before
you kick your credit card to the curb, take a look at what's hot--and [...]
Your golden years should be filled with things you've always dreamed about. Maybe it's a cruise to the Mediterranean with your significant other. Or maybe you're just looking forward to having the time to attend your grandson's baseball games.
These dreams can quickly turn into nightmares if you aren't careful about the way you handle credit [...]
If you've been getting weary from the cat-and-mouse games with credit card issuers, you'll be pleased to hear that you may finally have the upper hand--at least when it comes to these credit cards. These credit card issuers are so anxious for your business that they're willing to pay you to sign up for their [...]
If you're looking to rebuild a damaged credit history or if you're trying to establish credit for the first time, a secured credit card might be just what you need. A secured credit card can help resolve a catch-22 problem that torments consumers in these situations: How do you get a credit card when you [...]
When you think about the words "danger" and "credit card," the first thing to
pop into your head is probably debt. The over-your-head kind of debt that can
happen when you're not paying attention to how much you're spending. But staying
out of debt is only one danger to avoid when it comes to your [...]
Credit cards are often vilified for the enticing ease with
which you can get them, and the high interest rates you pay. However, in some
cases you really do bring your problems on yourself. While credit cards can
offer helpful rewards and provide you with a valuable financial tool, their
misuse can end in heartache and large amounts of [...]
The interest in eBooks is on the rise. And why not? If you love to read, reading a book on Kindle is a great way to indulge your passion while spending less money than you would at the bookstore. Reading books on Kindle also fits in with our on-the-go lifestyles. Whether you're on a business [...]
We may live in a high-tech world where email rules, but credit card issuers
are still sending out card offers the old-fashioned way. Let's take a look at
some of the more deceptive terms you might see inside of--and even on--the
envelopes you find in your mail box.
#1: 0% APR
This is often accompanied by "Our [...]
Sure, the Credit CARD Act was a step in the right direction. We all have a
little more consumer protections than we did before. But as we've seen too
often, when Washington tries to fix our problems, the legislation gets watered
down to the point where the language is, well, wishy-washy at best. Here are [...]
Teresa Giudice's antics as one of the Real Housewives of New Jersey
captured the attention of Bravo television viewers. But she's becoming well
known for the financial crisis she now faces after her husband hid millions of
dollars in debt. Giudice told hosts of The View that she thought she
was spending within her means. [...]
Have you ever been surprised when your FICO score dropped? Most likely, it's because you made one of the five mistakes below. Most people aren't aware of the impact some of these actions have. And what's interesting is that it appears that the higher your FICO score, the greater the drop when [...]
Last summer, when banks scrambled to comply with waves of new capitalization requirements and credit card regulations, it looked like 0% APR promotions were facing the chopping block. After all, in the wake of the Lehman Brothers collapse and investors' reluctance to purchase collateralize debt, credit card issuers tried to shake customers loose instead of [...]
Falling merchant fees and tight profit margins have put the squeeze on many
credit card reward programs. Although most credit card issuers lure new accounts
by offering special deals on reward points, the terms and conditions of reward
programs give lenders ample opportunities to avoid delivering on those promises.
Watch your statements for signs of [...]
Very few things differentiate gas stations these days. Gas prices in
neighborhoods don't stray more than a few cents apart among competitors.
filling station might have a better convenience store, yet require a
patience to get in and out of. In most states, "service" simply refers
whether the pumps and [...]
The recent recession was tough for all of us. But for those struggling with credit card debt, the economic meltdown was especially painful. Dealing with debt and an unpredictable job market pushed many people into a financial crisis.
Geoff Williams, a freelance writer and blogger for AOL's WalletPop, is one of those people. He's the co-author [...]
Have you ever wondered if you had "good credit" or "bad credit" and how creditors, such as banks, determine if you are creditworthy. If so, you are not alone. For decades the procedure most creditors have used to determine your creditworthiness or rating has been shrouded in secrecy. Fortunately, though, recent legislation in California has [...]
With the soaring cost of a college education, it's getting harder and harder for students to be completely debt free when they graduate. Many students do get loans through private or federal sources but some still use their credit cards to help them make ends meet.
Recently, CardRatings.com teamed up with Chef2Chef.net, a culinary community and [...]
I recently visited with J.D. Roth, founder of GetRichSlowly.org, to talk about his new book, Your Money: The Missing Manual (O��Reilly Media, 2010). If you��re struggling with financial issues, this book might be just what you need.
Q: You write a lot about money and happiness in your book. Can you explain why you think it��s [...]