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Compare Credit Card Applications
Welcome To Card Wisdom
Best Credit Card Offers

Best Credit Cards - Editor's Selections

At Card Wisdom, you can research current credit card offers, learn how to analyze credit card applications, and utilize our credit card calculators to uncover the best credit card deals for your needs. Our goal is to arm you with the information you need to make a wise credit card decision.


credit card calculators
Credit Card Calculators
Card Wisdom's credit card calculators can help you analyze credit card offers so that you can find ways to save and earn money with credit cards.
Balance Transfer Credit Card Calculator If you have credit card debt, the balance transfer calculator can show you how easy it is to save hundreds on interest in just one year.

You could be earning a few hundred dollars a year in credit card rewards. Find out how with the credit card rewards calculator.

Rewards Credit Card Calculator
 
 
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Offers a 0% Intro APR on balance transfers and purchases for 18 months. Compare 0% APR credit card offers.
Apply Now
   

Capital One® VentureOne(SM) Rewards Credit Card
Capital One® VentureOne(SM) Rewards Credit Card
1.25 miles per dollar on every purchase, every day.
Apply Now
   

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Get a $100 cash back sign up bonus after spending $500. Compare cash back credit cards.
Apply Now
   

Discover® More® Card
Discover® More® Card
Offers a 0% APR on Balance Transfers & Purchases for 15 Months. Compare balance transfer credit cards.
Apply Now
   
Credit Card Applications Explained

Credit Card Applications Explained

Secrets of 0% APR Credit Card Applications: What's the difference between a credit card application that offers a 0% APR for 12 months and a credit card that offers a 0% APR for up to 12 months. In many cases, as much as 6 months. Learn how to spot the best 0% APR credit card offers.

Secrets of Low Interest Credit Card Applications: Most credit card applications advertise the lowest available long term interest rate. However, when you apply for a credit card offer that has an interest rate as low as 12%, you could get a credit card with an interest rate as high as 22%. Learn how to spot credit card offers that provide the best opportunity to secure lower interest rates.

Finding the Best Credit Card Application for You: There really is no best credit card for everyone. What might be a great credit card offer for one person, may be a horrible deal for you. Learn how to isolate what credit card features are important to you and apply this when comparing credit card applications.

Learn About Credit Card Applications


About Cardwisdom.com About CardWisdom.com's Editor

A message from the Editor: The goal of Card Wisdom is to share the knowledge I've gained from working in the credit card industry for over six years. Comparing credit card offers can be a confusing process and, although the CARD Act has eliminated many of the worst credit card practices, sorting through credit card application fine print is still a difficult task. To learn more about me and the goals of Card Wisdom, please see the about us page.


Credit Card Application Tips

Credit Card Tips & Tricks

How Many Credit Cards Do I Need?: Having just one credit card can put you in a difficult situation if your credit limit is cut while you are traveling or your credit card is lost or stolen. Find out why you should have at least two credit cards available at all times.

No Foreign Transaction Fee Credit Cards: If you are looking for a credit card with no foreign transaction fees, your options are limited. However, a no foreign fee credit card can save you 3% on international charges, so foreign travelers will definitely want one of these credit cards in their wallet.

Cash Advance Credit Cards: Credit card cash advances are the most expensive and inefficient way to use credit cards. Not only do these transactions cost three to five percent up front, but interest is charged on cash advances the minute you use your credit card to get cash.

Balance Transfer Offers: Because balance transfer credit card offers provide consumers with perhaps the best opportunity to save money with credit cards, our company has an entire web site devoted to this subject, www.SmartBalanceTransfers.com. At Smart Balance Transfers, you can learn about saving money with 0% balance transfer credit cards and stay up to date on balance transfer specific news.

0% APR Credit Card Checks are Risky: 0% APR credit card checks sent by your credit card company may appear to be a good deal on the surface, but many of these 0% balance transfer offers may create more problems than they solve.

Chase Freedom Credit Card Review: The Chase Freedom credit card is one of the better offers out there for those who want cash back, but don't charge tens of thousands of dollars a year. Depending on what's available, this card comes with generous sign up bonuses that rival those offered by high annual fee airline credit cards.

Cash Back is the Best Credit Card Reward: As the old adage goes, cash is king. And this couldn't be truer when it comes to rewards credit cards. Airline miles are okay; points aren't so great. But cash back credit cards are definitely the best type of credit card rewards.

The Worst Credit Cards Ever: Credit cards for people with bad credit have always been dicey. However, the vast majority of credit card offers targeted to sub-prime consumers offer little benefits and come with absurd fees. In my opinion, bad credit offers are the worst they have ever been and the credit cards I discuss here may be the worst credit cards in history.


Best Credit Card Companies

Editor's Pick - Best Credit Card Companies

 

While the CARD ACT prevents all credit card companies from engaging in many of the worst credit card practices, some credit card companies engaged in unpardonable behavior prior to its implementation. The best credit card companies treat their customers fairly and offer valuable tools for managing their credit card accounts, no annual fee rewards programs and competitive interest rates.

  Discover credit card offers

Discover card proved to be the best credit card company during the credit crunch as it continued to do what other credit card companies did not: respect its customers. Currently, Discover offers a range of low interest credit cards that offer 0% introductory rates and no annual fee rewards programs.

 
 

Chase Credit Card Offers

Chase via Blueprint, offers consumers a unique online financial management tool as well as a suite of no annual fee rewards credit cards that provide some of the largest sign up bonuses in the industry.

More Credit Card Company Reviews

 

Credit Card Reviews

Credit Card Reviews and Tips from the CardWisdom Blog

 

The Trend Towards Simple Credit Cards:Credit card users like the convenience and security of their products, but are not in love with complicated terms and punitive fees. Their dissatisfaction reached such height that politicians were calling for banks to issue more simple cards. Whether it be at the behest of those in office, or through the demands of their customers, [...] read more

The Case Against Gas Station Credit Cards:As the price of gasoline climbs, drivers are constantly looking for new ways to save money on fuel. Many gas stations display ads that directly targets this need by offering customers discounts when they use their affiliated credit card. Unfortunately, there are many reasons why cash back credit card offers from gasoline retailers are not [...] read more

Credit Card “Convenience Checks” – Deal or No Deal?:Most credit card holders have had the experience of opening up an envelope from their bank that looks like a bill, but isn’t. Inside they find a series of so-called convenience checks that look nearly the same as the ones issued from a standard checking account. While a normal check makes withdrawal from existing funds [...] read more

Situations When Rewards Can Be Worth The Fees For Paying Taxes With A Credit Card:When taxpayers write a check to the IRS their check is directly applied to the amount owed. The only cost involved in this transaction is that of the envelope and the stamp used to send the check. Alternatively, taxpayers can use their credit cards to remit payment to one of several companies that are authorized [...] read more

Citi Credit Card Prescription Discount Benefit Program:Credit card users often receive a variety of purchase protection and travel insurance as a benefit of their card membership. As these perks have proliferated, it has become increasingly difficult to distinguish one card’s features from another’s. Yet Citi currently offers a rather unique benefit to holders of its Citi Business and Citi Professional cards, [...] read more


 
 
 
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*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
 
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