Find the credit card that's right for you

Finding the right card isn't easy. Thankfully, Credit.com can provide all the information you need to make an informed decision. Evaluate credit card terms and features, and get all your credit card questions answered here.

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FAQ's

Depending on the type of benefits you're looking for, some credit cards are better than others. Determine whether a low interest card is what you're looking for or a card with more substantial rewards. If you're unsure how to decide - or trying to learn about credit cards in general, our Credit.com experts can help. Some frequently asked questions are below.

How do I pick the right credit card?

Americans are lucky to be offered hundreds of competing credit cards, but it can be difficult to find the right one to suit your needs. Therefore, it's important to know what your spending habits are in order to choose the card that makes the most sense for you.

Cardholders who carry a balance should look for a card with the lowest interest rate, and possibly one with 0% APR introductory financing. A lower interest rate means you will pay less money toward interest charges as you pay down the balance. Meanwhile, those who can avoid interest charges by paying their balances in full every month should choose a card that offers the most valuable rewards in the form of points, miles or cash back.

Make sure you also generally meet the credit issuer's criteria. It's a good idea to know what your credit score is so that you can target your search to a card you're more likely to get approved for.

You should consider any benefits offered by the card, such as purchase protection or travel insurance. Finally, applicants should also take into account any applicable fees -- such as annual fees and foreign transaction fees.

How can I get approved for a credit card?

Rejection hurts, even when a credit card issuer rejects an application using an automated system. To improve your odds of being approved for a new account, try these steps. First, request your free credit score from Credit.com to find out where your credit worthiness stands. Next, learn which credit cards are designed for those with your credit profile, so that you only fill out applications that are likely to be approved.

When filling out the application, be sure to list all forms of household income, including investments, child support, alimony payments and the income of your spouse or domestic partner if it can be used to pay the credit card account. And if your application is initially rejected, be sure to call the card issuer and ask for reconsideration. In many cases, applicants may be able to reallocate their credit lines or offer other information that results in approval.

What does APR mean?

APR stands for Annual Percentage Rate, and is an interest rate expressed in terms of a year. This is a standard unit for measuring an interest rate, just like "miles per hour" is a standardized way of measuring speed. When a card's APR is divided by 12 (to get a monthly rate), and that rate is multiplied by an account's average daily balance, it results in the interest charges that must be paid when cardholders carry a balance on their credit card.

Cards can have separate APRs for purchases, balance transfers and cash advances. Some cards even offer an introductory APR that is valid for a limited period of time when a new account is opened. In addition, most cards impose a higher penalty APR when cardholders fail to make a payment for 60 days.

Making sense of key credit card terms

Credit cards seem like simple financial instruments, but they arrive with pages of fine print that use terms more suited to a law office than a kitchen table. Here are some key terms you need to know.

A Balance Transfer is when cardholders pay off one card by making a charge to another. Promotional balance transfers offer lower interest rates for a limited period of time, allowing cardholders to save money by paying off their balance on cards that have a higher interest rate.

A Grace Period is the time period after a statement period closes when cardholders can pay their statement balance in full without the risk of accruing interest.

A Foreign Transaction Fee is imposed on all charges processed outside of the U.S., regardless of where you are, or what currency you use. Some credit cards offer the benefit of no foreign transaction fees.