All you need to Know About Credit Cards

A credit card can be a helpful tool in managing your monthly finances, or an entrance into overwhelming debt when used improperly. Credit cards are great for building credit, handling big expenses and earning rewards, but it's important to pay the balance in full and on time, or else you'll be faced with interest charges and fees.
Aside from using credit responsibly, seeking out the best credit card offers can help you keep your balance under control and ensure you don't get in over your head with credit card charges.

Learn more tips about how to get the best interest rates for credit cards that will help you save money on interest charges each month. Average credit card rates tend to fluctuate over time, but generally hover around 15% APR. Knowing the average credit card rates when you're applying for a card will help you determine whether you're being offered a competitive rate or not. Keep in mind, your credit affects the interest rate you're offered, and having very good – or very bad – credit means average credit card rates may not apply to your situation.
The best credit card rates are reserved for people with positive credit histories and scores. Generally, a fair or poor credit score will prevent you from obtaining the best credit card offers – poor credit makes you a risk to creditors and they will usually charge a much higher interest rate to compensate for that risk. Before filling out a credit card application, perform a credit card rates comparison that examines several cards from several companies. Credit card rates comparison is an important step in choosing the best card for you, but it should not be the only one. In additional to the best credit card rates, you should also be looking for other positive qualities and credit card promotions of a card. Many cards also offer generous credit card rewards in the form of points, cash back or airline miles. If you're a frequent traveler, for instance, finding a credit card that lets you earn miles might be you highest priority (in addition to finding low credit card rates, of course).
No matter what type of card suits you best, comparing many of the best credit card offers from different companies to locate the best credit card rates and perks is essential in making a credit card helpful, and not harmful, to your financial situation.

Find the best Credit Card Rates in your Region or State:

Best Credit Cards Rates

Most Read Credit Cards Articles

CFPB Warns Credit Card Issuers Against Deceptive 0% Offers

0% offers get ugly fast for customers who don't fully understand the terms.

Read More »

Possible Home Depot Hack: What Your Credit Card Info Is Worth to a Thief

Banks found evidence to trace stolen credit card data to the home improvement retailer.

Read More »

Save Money Using the Smart Generations FCU Credit Card

Spend smarter in San Antonio by avoiding fees with a Generations FCU credit card.

Read More »

GOBankingRates Spotlights Premier America’s Credit Builder MasterCard® for Helping Members Build Credit

See how Premier America Credit Union's Credit Builder credit card program helps members succeed.

Read More »

PrimeWay Offers Resources for Houston Residents With Poor Credit

Three ways PrimeWay Federal Credit Union helps people rebuild poor credit.

Read More »

Fight ID Theft With PriorityOne’s Visa Card and Theft Protection Program

PriorityONE offers identity theft protection for credit cards in Fort Lauderdale.

Read More »

Alliant Credit Union Provides Tips for Acquiring Chicago Credit Cards

Alliant Credit Union helps Chicago residents obtain credit cards.

Read More »

How the NFL Extra Points Credit Card Helps Sports Fans Save Money

Get rewarded -- just for cheering on your favorite team.

Read More »