– About Us

History and Mission:

We are a for-profit organization devoted to educating consumers about credit cards. We were founded on Aug. 15, 1998 in Little Rock, Ark. Our website,, began operating the same month. Arkansas is an ideal home for us because credit cards issued by Arkansas banks have historically been viewed as being consumer friendly, particularly in regard to interest rates. We provide an independent source of consumer information and are not owned or governed by any banking or credit card interest.

Our organization was founded in response to a growing national backlash against credit card debt. Curtis Arnold, our founder and a nationally recognized consumer advocate, knows firsthand the devastating financial effect of credit card debt. He struggled with credit card debt for several years during and after his graduate studies in business at the University of Texas at Dallas. At one point, Curtis had more than $40,000 in card debt.

We pioneered the concept of offering online ratings of credit cards in 1998. We are devoted to being the leading source of objective credit card rating information and are, in fact, the most comprehensive source for card data. We currently offer consumer information regarding approximately 500 unique credit card offerings, including a searchable database.  

We also offer consumer reviews of cards written by consumers throughout the country (new reviews can be added daily). We do not know of any other organization that offers more consumer reviews of credit cards. Disclosing such information often helps consumers find more attractive credit cards and, in turn, helps them lower their credit card debt. Another added benefit is that such disclosures encourage stronger competition among credit card issuers.

Since our founding, we have expanded our role and online offerings. For example, we now provide ratings of credit cards that are consumer friendly in terms of rebates and rewards. Such cards are geared toward consumers that do not typically carry balances (i.e. consumers that pay off their cards each month). We have also started to recognize credit card issuers that have highly rated cards by creating a “Top Rated Card” award seal. Another example of our expanded role is our independent research on consumer credit related issues.

Another example of our expanded role is our initiation of a community outreach program. We are pleased to actively participate in financial education efforts by being a National Partner of the Jump$tart Coalition for Financial Literacy. Jump$tart is a non-profit organization that seeks to improve the personal financial literacy of young adults (K-12 and college students). We are proud that Curtis Arnold, our founder, is co-chair of the Arkansas chapter of Jump$tart.

We are proud of our accomplishments and owe all of our success to consumers like you. Our website has quickly become one of the most popular sources of consumer credit information. In fact, we are now the most comprehensive free source for comparing credit card offers; additionally, CardRatings features content from some of the top financial personalities across the web. 

Millions of consumers are exposed to our site each year and we are regularly featured by respected national media outlets such as The Wall Street Journal, Good Morning America, The Today Show on NBC, PBS, The New York Times, etc.