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Insights

Survey: Rewards, not bonuses draw credit card applicants

Those flashy, lucrative welcome bonuses do entice people to apply for a new credit card, but a recent CardRatings survey revealed that a mega bonus isn't the primary thing people consider when applying for some of the most popular rewards cards on the market. In November and December 2018, CardRatings commissioned a survey of 200 users [...]

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2019 comparisons: Balance transfer credit cards

The last of the pine needles have been swept from the carpet, you've put the holiday tunes away until next year and the last Christmas cookie has finally been eaten. But still your holiday spending credit card debt remains. And with interest rates having done nothing but go up in 2018 (and likely continuing to do [...]

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Study: 2018's best and worst states for credit conditions

Some people get into credit trouble no matter where they live, but credit conditions are clearly worse in some states than in others. Do you live in a state with good or bad credit conditions? Here are some examples of how much factors that affect credit can vary:A house in New Jersey is 32 times as [...]

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A small business credit card comes out with a healthy welcome bonus offer – but should you take it?

LogoImageListingUrlSee Rates and FeesAmerican Express has announced a welcome offer bonus for CardName: up to 75,000 Membership Rewards® points! Those points could be worth more than $1,000 depending on how you choose to redeem them (more on that below). You’ll earn the first 50,000 bonus points after you spend $10,000 and the next 25,000 after you spend [...]

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5 credit card trends for 2018

Credit cards usage is nearing pre-Great Recession levels as Americans feel more confident about their jobs and economy. The Consumer Financial Protection Bureau recently reported that the average credit line, number of accounts and outstanding card debt are all on the upswing. There isn't quite as much credit card debt (yet!) compared to before the recession, [...]

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Pay up: Americans' credit card interest payments are skyrocketing

Americans know the holiday shopping season can be rough on their credit card balances. What makes that especially ominous this time around is that consumers entered this year's spending spree with those card balances more burdensome than ever. Between rising credit card interest rates (and they're going up again with the recent Federal Reserve interest rate [...]

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Study: Despite increased wages, credit card debt greater in high cost-of-living states

Are the high prices where you live causing you to reach for your credit card just to make routine expenses or make ends meet? A new CardRatings study found that may be the case in certain high-cost areas of the country, especially in states where incomes do not adequately compensate for the cost of living. The [...]

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Earn 5% cash back on groceries, rideshares and more with these no-annual-fee cards

Another quarter, another chance for CardName and CardName cardholders to rack up 5% cash back in rotating bonus categories. So what are the categories for April 1-June 30, 2019? Well, if you have road trips, spring fun or DIY house projects on the agenda, you'll be pleased:LogoImageLiteDetailUrl auto-pdp-btnLogoImageListingUrl auto-apply-btn*Terms applyIf you have either of these cards in your wallet, [...]

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Our credit card picks to grow your small business

Being a small business owner comes with a unique set of challenges. For one thing, you're often called upon to be a "Jack/Jill of all trades" and that can leave you feeling like a master of none. Streamlining and simplifying are always top priorities, so why are you still trying to make a personal credit card [...]

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The best and worst states for credit conditions

The U.S. economy has come a long way since the wreckage of the financial crisis, but some states have made more progress than others. Is your state one of the winners or is it one of the losers? Since 2011, CardRatings has ranked credit conditions in all 50 states plus the District of Columbia, based on [...]

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