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      September 19, 2017

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There's no doubt that credit cards have become an important part of today's society. And for good reason! Credit cards make buying easier - you don't have to carry around loads of cash or write a check every time you buy something. Credit cards protect you, the consumer - many credit cards offer purchase protection and travel protection that just isn't available with other forms of payment. And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.

When shopping for a credit card, there are dozens of cards to choose from. It can be somewhat intimidating to decide which credit card you should choose. Just remember that different credit cards are designed to appeal to different consumer needs. Find out what's most important to you in a credit card, and your decision becomes much easier.

Continue reading below reviews

2017

Credit Card Reviews

Bad Credit Credit Cards

Bad Credit
Credit Cards

Business Credit Cards

Business
Credit Cards

Cash Back Credit Cards

Cash Back
Credit Cards

Debit Credit Cards

Debit
Credit Cards

Low Interest Rate Credit Cards

Low Interest Rate
Credit Cards

No Annual Fee Credit Cards

No Annual Fee
Credit Cards

Prepaid Credit Cards

Prepaid
Credit Cards

Rewards Programs Credit Cards

Rewards Programs
Credit Cards

Secured Credit Cards

Secured
Credit Cards

Student Credit Cards

Student
Credit Cards

Zero Balance Transfer Fee Credit Cards

Zero Balance Transfer Fee
Credit Cards

Zero Interest Rate Credit Cards

Zero Interest Rate
Credit Cards

Zero Introductory APR Credit Cards

Zero Introductory APR
Credit Cards

Continued from above

To help you with your credit card decision, we've arranged several dozen credit cards into the categories below. Within each category, we've ranked the credit cards from best to worst. For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards. If you want a card that charges low interest rates, then look at the Low Interest Rate Credit Cards. Or if you're a student and just starting out establishing credit, look at the Student Credit Cards.

Once you decide on the credit card that you want, applying for it is easy. You can simply fill out online the secure form on the credit card application page. This normally takes less than 10 minutes, and typically you'll find out within 24 hours whether you've been approved for your credit card. Then your card should arrive within 5-7 days through the mail, and you'll be all set to start using your new credit card.

TopConsumerReviews.com has reviewed and ranked the best credit cards available today. We hope these reviews help you find the right credit card that meets your needs!

How to Avoid High Interest Rate Credit Card Charges

Despite recent laws designed to protect the credit card consumer from unfair interest rate changes on credit cards, rate increases are still a normal practice and how lenders make much of their money. There are several steps you can take to avoid paying too much interest and that can mean the difference hundreds to thousands of dollars in savings. It's highly likely that you'll have to incur some type of rate increase with your credit card but, you may be able to mitigate the impact with several of the tips below.

  • Pay attention to your credit card statements. Review the stated interest rate each and every month to make sure you know what's going on. Read any and all rate change documentation you receive.
  • The easiest way to avoid paying more interest and being accessed a larger interest rate on your credit card is to pay off the balance, each month, before the grace period ends. Most credit card issuers give you around 21 days to pay off your new purchases before you'll have to start paying interest on the balance. Interest expenses show up on your statements as a finance charges.
  • If paying off the balance isn't an option you should make bigger payments. The smaller the credit card balance the smaller the accessed interest charges.
  • Avoid making late payments. Credit card companies are allowed to penalize card holders when they aren't making payments on time. They do need to contact you and give you 45 days notice before hiking up your interest rate.
  • Be smart with promotional rates. With any new credit card, always read the fine print to find out if the initial rate is considered promotional, or short term, how long that period is and what your subsequent rate will be.
  • If you've been notified that your interest rate is going up you have a couple of options. You can call your credit card company to attempt to negotiate the rate down. If they won't budge than you can tell them you'll find another company that will. Or you can reject the change. However, that may mean you'll no longer be able to make future purchases on that card but you'll be able to pay off the balance at the current rate - saving you significantly in the long run.

As a credit card customer you need to be proactive with managing how much interest you're being charged. This will mean significant savings to you over the course of one to several years from now. Paying off charges quickly, making timely payments and working with your lender are some of the key methods to keeping interest rates down.

 

How To Choose A Credit Card That Maximizes Your Spending

This story originally appeared on LearnVest as "The Best Credit Cards Out There - And How to Find The One For You." Choosing the right credit card can be daunting, given the sheer number of options, ways to earn and rewards programs. But by ...

Published:  Mon, 18 Sep 2017 06:00:00 GMT



Grab Your Credit Card - We Have 32 Fall Essentials You Need, All Under $100

Right now is the time when you should start purging and cleaning your closet so you can make some space for everything you need this Fall. There's something about this season that seriously gets us in the mood to shop. So whether you're looking to stock up ...

Published:  Mon, 18 Sep 2017 09:55:00 GMT



Rising credit card delinquencies to add to U.S. banks' worries

(Reuters) - U.S. banks, already under pressure from slower loan growth and low interest rates, could be facing yet another challenge as a rising number of Americans fall behind on their credit card payments. Several large U.S. banks and credit card ...

Published:  Fri, 15 Sep 2017 14:05:00 GMT



5 Things You Need to Know About Pre-Qualified Credit Cards

American banks spent $17.1 billion on marketing in 2016, according to EMI Strategic Marketing, much of it spent putting pre-qualified or pre-approved card offers in the hands of its ideal customers. But before deciding on offers you find in your mailbox ...

Published:  Sun, 17 Sep 2017 09:15:00 GMT



Are Rising Credit Card Delinquencies a Concern

Success! has been added to your Ticker Alerts. Several large US banks and credit card companies, including Capital One Financial (COF), Discover Financial Serviecs (DFS), and JPMorgan Chase, reported a rise in credit card delinquency rates for August-the ...

Published:  Mon, 18 Sep 2017 10:05:00 GMT



Fees for using credit cards are out of control and need reform

by Greg Ferrara | Sep 16, 2017, 12:01 AM Share on Twitter Share on Facebook Email this article Share on LinkedIn Print this article The annual tab for both debit and credit swipe fees has swollen to $70 billion. That's big money - hundreds of dollars each ...

Published:  Mon, 18 Sep 2017 09:49:00 GMT



What to do if hackers accessed your credit card data in the Equifax breach

Equifax, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and ...

Published:  Mon, 18 Sep 2017 08:54:00 GMT



Wilson police: Credit card skimmer found on gas station pump

A credit card skimming device was found Friday afternoon on a gas pump at a Wilson gas station, police said. Police are asking customers who have recently used pump No. 4 at the Penn Jersey Convenience Store, 2134 Northampton St., to check for any unusual ...

Published:  Mon, 18 Sep 2017 03:20:00 GMT



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