Everyone wants something different when it comes to credit cards. We help you compare a personalized list of credit cards that suit both your wants and your needs.
From a very general perspective, you'll want to determine three things to start your search:
APR, or annual percentage rate, is the interest rate charged on credit card balances, charged each month that a balance is carried, in a standardized, annualized manner.
Here are some additional terms everyone should understand as well:
Know your credit score, be sure you're making monthly payments on time, don't carry excessive debt, and find the right offer to suit your specific needs.
When you apply for a new credit card, the issuer will make a hard inquiry into your credit score, which can affect your overall score in certain cases. Since the impact of that inquiry is very hard to predict, it's important that you only apply for new credit when you really need it.