Crediteria.com - Find the Best Credit Cards - Compare Card Offers Online

Helping you get the best deals and rates on credit cards
Crediteria.com is proud to offer you our new personalized credit card comparison to help you get the best possible deals when applying for credit cards, our editors are monitoring card offers daily to give you the latest credit card deals so you always get the right card.

Best Cash Rewards Card

Chase Freedom(SM) Credit Card Get More Info Receive $50 after you make your first purchase 3% Cash Back in your top 3 everyday spending categories 1% cash back for every $1 you spend on all other purchases Receive an extra $50 each time you save and redeem $200 in rewards

Best Card for People with Bad Credit

Orchard Bank Classic MasterCard® Get More Info Here Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment

Best Small Business Card

Advanta Platinum BusinessCard with Rewards More Info 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter 7.99% Variable APR on Purchases Choice of 5% Cash Back or Travel Rewards No Annual Fee and No Limit on Earnings $0 Fraud Liability Personalized card -- your company name on the top of the card

Best Card for Bad Credit or Establish Credit

Continental Finance MasterCard Get More Info Apply Online Rates As low as 9.75% APR* Unsecured MasterCard Accepted at Millions of Locations Worldwide Monthly reporting to the Major Credit Bureaus Free Online Access Excellent Online Tools for Managing Your Finances Semi-Annual Credit Limit Increases Prestige of carrying a Gold card

Crediteria is an unbiased service for consumers to get the information they need about credit cards and loans. Our mission is to find the financing that best suits your needs. We are not obligated to any banks or lending institutions, Crediteria simply provides a service to consumers and small businesses to find the best possible deals for personal or business credit cards and loans.

Crediteria.com is devoted to providing you with the facts you need to know to make an informed decision about your financing.

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Facts About Credit Cards

When Should I Get My First Credit Card?

As soon as possible. Having said that it may be difficult to get a credit card, once you've had one and established a good credit rating, you will always be able to get another or have your limit raised.

Can I Get a Credit Card If I'm a Student?

Some credit card companies offer cards to students. The reason they do this is to initiate relationships with people they hope, over the long term, will be loyal to their company. The initial credit limit may be low, but that doesn't matter. If you can get it, take it. Be careful using it. Your objective is to build a credit reputation, not charge everything in sight.

What's the Difference between a Credit Card and a Charge Card?

There's a big difference. A credit card such as VISA or MasterCard offers you a line of credit for which they charge you interest if you don't pay off the balance each month. A charge card, such as American Express, also allows you to charge purchases up to a specified limit. However, charge card companies expect to be paid immediately upon billing, since it is not their intention to offer you credit.

Use your credit card to it's fullest potential

Instead of buying extended warranties when you buy electronics or appliances, use a credit card that offers extended protection. You can have the normal manufacturer's warranty on most items doubled (sometimes to a maximum of one additional year) simply by using the right credit card. You save money by not buying an extended warranty — and if you pay your card off on time, it costs you absolutely nothing.

Credit Card Interest

You can avoid paying interest on your credit card for transactions (i.e., for everything other than cash advances) by making a full payment on or before the due date on your statement. However, interest is always charged on cash advances from the date you take the money. If your credit card allows you to write cheques against it, interest is charged on those types of cash advances from the date the cheque is processed to your account. And, of course, no one pays you interest if you have a credit balance on your credit or charge card account — so don't.

Credit Cards Actually Are Free Money Loans

If I could show you a way to borrow $5,000 a month and pay no interest, would you be curious? What if I told you that credit cards offer you the cheapest form of credit available? It's true, and here's why.

Credit cards only charge interest when your balance has not been paid off in full. If you pay off your balance each month, you pay no interest. You've used the financial institution's money for anywhere from 30 days to 60 days — and it cost you absolutely nothing.

Note though that you must pay your balance in full each billing cycle to take advantage of paying zero interest charges.

Who Should Have a Credit Card?

Everyone. The fact is, the only people who can borrow money without going through hoops or signing away their firstborns are people who have borrowed money. You can't develop a "credit rating" until you have paid back a loan. A credit rating is your reputation in terms of your previous ability to pay back money you've borrowed in a responsible and timely way. If you've been consistently late in making your payments, you'll have a bad credit reputation, or "rep." If you've ever missed a payment completely, you'll have an even worse rep. If you've always made your payments on time, you will have a great credit rating and just about anyone will be willing to lend to you under the right circumstances.

A credit card is one of the easiest ways to establish a credit rating. Whether it is a gas card, a store card or a bank card, you can apply for a card with a low limit, make small purchases, pay off the card each month and become a credit star. You'll establish yourself in the world of credit, and you'll develop a great reputation.

Credit and Loan Categories Explained: The finance industry is full of jargon which average people simply don't understand. Don't let the "big words" confuse you into making the wrong decisions. You are empowered when you understand all the lingo, this holds true for everything in life. If you understand things, you can make an informed decision. This site was launched to help you make the right choices with your finances.

Since we are a credit, loan and mortgage broker service we have no obligation to any particular company to sell their product. If a credit company wants us to promote their services, they must offer consumers and business owners the best rates on credit cards and loans. If they don't provide great rates or rewards programs, we simply ignore them.

Credit Card Debt - Take Responsibility

Some of us don't feel entirely responsible for our debt. In the back of our minds, we're thinking that the credit card companies gave us the cards in the first place, that our spouse is the reckless one, that everyone has a lot of debt these days, or that our parents never taught us how to manage money.

Regardless of who spent the money or why, we made choices in our life that now leave us in debt. We are responsible for our situation—not creditors, spouses, relatives, or friends. When we accept that the burden is ours, the road ahead may seem long, but we don't waste energy blaming others. As a result, we gain some serenity and can begin to create positive and workable solutions to our situation.

Tip: Recall choices I've made that have put me in debt. I will accept that my debt is mine and not blame others for my circumstances.

APR & Credit Cards - Explaining the Language of the Banks

Are you confused about credit card applications?
Yeah, when you are at the point where you are ready to apply for a credit card, you have likely seen lots of information about APR's and now are absolutely confused and perplexed by all the seemingly amazing credit card offers out there! Yet, choosing a credit card based on APR still alludes you!

I know exactly why APR's are confusing you. Trying the lowest APR on a credit card application IS confusing because there are different rates for different scenarios.

Let's clear up some of the consfusion about credit card APR's.
Here is a brief breakdown of the APR's to help you decide what the best credit cards are for you, it is difficult deciphering the best ARP because there are several rates based on how you use your credit cards, let's explain the different rates now:

Yeah, there's lot's of issues to consider when trying to figure out what the best credit cards are. But, that's what we look at every day here at Crediteria.com, what credit cards are going to be best for everybody that visits this site. Hence the various categories. So, if you are ready to apply for a credit card now, the listings of credit cards are based on rewards, APR's (across the board rates) and the most applied for credit cards.

Now, it's time to review the application terms and conditions again to bring you the best credit cards for every card category. When you click through Crediteria.com, the best credit cards overall are always listing at the top of the listings based on aggregate data received from feedback and our research.

Business Credit Cards under Review at Crediteria

Having just finished up with tax season and after meeting the accounting team here at Crediteria, we have been thinking a lot about our own business spending and have commenced full scale reviews of business credit card offers. It is clear that business spending on credit cards in particular needs to be evaluated and leveraged in the way of rewards and discounts.

Here's a hint for you, earn your rewards with your business spending and redeem your points for personal gain. Remember that the spending you do on your business credit card is a tax write-off. So never redeem business card rewards on business spending, always reward yourself personally. You work hard in your business, both you and your family deserve to reap the rewards of your entrepreneurial devotion.

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