Credit Cards

Are you a responsible, financially-savvy consumer in need of a better credit card? You are in the right place. Get started by choosing a card category below:

Cash Back Credit CardsBest Cash Back Credit Cards – Show me the money! Consumers who choose these cash back reward cards only want one thing: top dollar cash back rewards in exchange for their spending.

Travel Rewards Credit CardsBest Travel Rewards Credit Cards – If you do a lot of traveling, or if airline miles are like gold to you, then check out these cards. You’ll be off on that free vacation in no time. A good travel rewards card will protect you too.

Airline Miles Credit CardsBest Airline Miles Credit Cards – If you fly a particular airline regularly (AA, Continental, Southwest, Delta, United), then there is likely a card for you here. With one of these cards, you can most likely qualify for a free round trip ticket fairly quickly.

0 Balance Transfer Credit CardsBest 0% Balance Transfer Credit Cards – Are you on a debt reduction plan and need to free yourself from high-interest? 0% balance transfer cards can be a creative way to speed up your debt payoff plan. These days, transfer deals can be had for 18 months.

Low Interest Credit CardsBest Low Interest Credit Cards – If you plan is to occasionally carry a balance on your credit card, then consider a low interest card. These cards have interest rates closer to 10%, as opposed to 20%.

Credit Cards for College StudentsBest Credit Cards for College Students – Heading off to college soon? Want to start building your credit history? Consider one of these cards aimed at helping you manage your money wisely and reward you for your smart spending and grades.

Small Business Credit CardsBest Small Business Credit Cards – Small business owners who need a bit of flexibility in their cash flow, should consider a business credit card. Run your business expenses through this card and you will have a month longer to pay your bills.

Charge Cards by AmexBest Charge Cards – Not interested in credit? I’ve put together a quick review of all of the charge cards on the market. These cards have made a comeback in recent years as consumers appreciate that they must be paid off each month.

Prepaid Credit CardsFree Prepaid Credit Cards – Again, if you are not into credit, then consider a prepaid card. These cards often come with stupid fees or hoops to jump through. But we’ve waded through the terms and found the fee free cards for you.

Secured Credit CardsBest Secured Credit Cards – If you are just getting started with credit, or if you’ve had difficulty managing credit in the past, a secured card might be the best solution for you.

Credit Cards 101

Best Credit CardsCredit cards can play a big role in personal finance. Most smart people I know do one of two things with credit cards: either they don’t touch them at all, or they use them to their advantage. How can a credit card be a positive piece of your financial portfolio? First, find the right card. Then, make sure you handle it properly:

  • pay it off each month,
  • maximize your rewards,
  • and watch out for fees.

Over time you will rack up rewards and your credit history should improve.

I know a lot of people don’t care for credit cards, including some of my readers, but I think they have their place. I see credit cards as simply another financial tool, like life insurance or a Roth IRA. They’re just an instrument to make things happen financially. It’s all in how you treat them. Don’t want to deal with credit cards? You should check out my section of charge cards or the excellent rewards debit card from PerkStreet Financial.

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