For those who are shopping for a new credit card or debit card, you've come to the right place. Here we have a comprehensive list of top credit cards that can fulfill your requirements, whether you're looking for a cash back card, a balance transfer card or even a secured credit card or prepaid card. To compare credit cards more easily, we've rated them in various categories which you can visit through the navigational links we've provided on the side. We've ranked these credit cards based on their terms, features and popularity (as measured by how often they are visited here). You may also decide to sign up for the cards through links we've supplied below.
While it is easy to run into trouble with a credit card, there are still some good reasons why you should have one. There are actually some great benefits to owning a card. Here are a few of those reasons:
1. It helps you to build a good credit record. This is the main reason why many consumers decide to apply for a credit card. By using the card and making sure you pay off your balance in full each month, you will be showing the card companies that you are a responsible customer. And over time, you'll be building a solid credit history.
2. Credit cards come with a lot of perks and benefits. How does cash back, air miles, rewards points, traveler's insurance and free warranties sound to you? Of course, this is only the beginning of what you can get with a credit card. Since each card can have its own list of benefits, you should compare credit cards carefully and check them all out to see which bonuses and features will suit your needs the most. Provided you don't maintain a balance and pay extra in interest, you can get something for nothing with these deals.
3. Credit cards can teach you how to be responsible with money. Not everyone gets the power of this lesson. There are a good number of people who miss out on its meaning and end up owing more than they can afford to pay back each month. But by becoming a conscientious cardholder, you're also learning how to be an astute borrower and money manager.
The good news is that you can make your cards work for you. Spend only what you can afford, pay your bills on time and never skip a payment in order to get the most out of your card.