The Ultimate Guide to Credit Cards™
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The Ultimate Guide to Credit Cards

Featuring credit card ratings, reviews and guides from 50+ leading finance experts, including:

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Checkmark 2026's Best Credit Cards »
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Reviewed by our experts, so you can find the credit card that's right for you.

2026's Best Overall

2026's Best Overall
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Our experts select the best credit cards overall.
Cash Back

Cash Back
Credit Cards

Find the best cards for cash back rewards and rebates.
Air Miles

Air Miles
Credit Cards

These cards feature free air miles and other travel perks.
Student

Student
Credit Cards

Get your credit history started on the right foot.
Bad Credit

Bad Credit
Credit Cards

Discover the best credit cards for those with subpar credit.
Capital One

Capital One
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Chase

Chase
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Citi

Citi
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Discover

Discover
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Visa

Visa
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Credit Card Guides

Credit Card Guides

Follow our team of finance experts for the best credit card advice on the web, including tips for responsible usage, navigating rewards programs, and other industry-insider recommendations.

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How Do I Use Virtual Card Numbers for Shopping Online?

How Do I Use Virtual Card Numbers for Shopping Online?

Gerri Detweiler • 2/16/2026

My new credit card came with the offer to create unlimited virtual card numbers. While I’ve known about virtual card numbers for several years, I didn’t start using them until I received that new card a few months ago.  After giving... Read More »

Q&A: Why Does My Credit Score Change From Month to Month?

Q&A: Why Does My Credit Score Change From Month to Month?

John Ulzheimer • 2/12/2026
How to Talk to Your Credit Card Company’s Chatbot (And Get Real Answers)

How to Talk to Your Credit Card Company's Chatbot 

Marcie Geffner • 1/28/2026
How Often Should You Request a Higher Credit Limit — And Does It Hurt Your Credit?

How Often to Ask For a Higher Credit Limit — And the Credit Score Impact

Gerri Detweiler • 1/8/2026

What Credit Score Do I Need To Get a Premium Rewards Card?

John Ulzheimer • 12/9/2025

My Wish for Future You: A Debt-Free New Year

Erica Sandberg • 12/4/2025

Is a Travel Rewards Credit Card Good if You Don't Travel Often?

Gerri Detweiler • 12/3/2025

8 Reasons to Consider a New Credit Card for the Holidays

Marcie Geffner • 12/2/2025

My Son's Thoughts on Applying for His First Credit Card in College

John Ulzheimer • 9/9/2025

What is a Card Not Present (CNP) Transaction?

Eric Bank • 4/9/2025
Read More Guides »
Industry News

Industry News

Follow the latest in personal finance news, product and service reviews, brand profiles and interviews, and other feature stories from industry insiders here at CardRates.com.

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This Week in Credit Cards: Stripe Mulls a Major Move

This Week in Credit Cards: Stripe Mulls a Major Move

The shortest month of the year will draw to a close over the weekend, and we’ll enter March... Read More »

Andrew Allen • 2/27/2026

United MileagePlus Revamp Rewards Cardholders

United MileagePlus Revamp Rewards Cardholders

United MileagePlus credit card and debit card customers will be eligible for some new benefits... Read More »

Lucy Lazarony • 2/27/2026

Stripe-PayPal Mega-Merger Could Reshape Processing

Stripe-PayPal Mega-Merger Could Reshape Processing

Reports of Stripe’s interest in acquiring PayPal raises questions about how a merger between... Read More »

Eric Bank • 2/26/2026

California Cracks Down on Debt Collection Practices

California Cracks Down on Debt Collection Practices

Credit One Bank has agreed to settle a lawsuit over the institution’s debt collection... Read More »

Andrew Allen • 2/26/2026

Bank of America Bets On Relationship Rewards

Bank of America Bets On Relationship Rewards

Bank of America has introduced a new loyalty program, BofA Rewards, that gives its customers... Read More »

Andrew Allen • 2/25/2026

PayPal Stock Slide Triggers Major Acquisition Interest

PayPal Stock Slide Triggers Major Acquisition Interest

Rumblings of a takeover at PayPal are swirling following a major decline in its stock that... Read More »

Lucy Lazarony • 2/24/2026

Read More News »
Studies

Studies

Explore our comprehensive research studies and data-driven insights on credit cards, personal finance, and consumer behavior.

2026 Financial Resilience Report
Personal Finance Tips

2026 Financial Resilience Report

By: Lynn Cadet • 1/29/2026

Millions of Americans are entering 2026 carrying the financial stress of yesteryear. From high credit card debt to inflation pressures, amidst... Read More »

Most Americans Want Better Credit in 2026, Yet 49% Haven’t Set a Target Score
Credit Scores & Reports

Most Americans Want Better Credit in 2026, Yet 49% Haven’t Set a Target Score

By: Lynn Cadet • 1/26/2026

The new year usually brings fresh resolutions, whether that’s getting rid of bad habits or aiming for goals with a renewed sense of purpose. Yet... Read More »

The Naughty List: These 10 States Still Haven’t Paid Off Last Year’s Gifts
Debt Management

These 10 States Still Haven’t Paid Off Last Year’s Gifts

By: Lynn Cadet • 12/8/2025

As Americans enter the final stretch of 2025 holiday shopping, many are still paying for last year’s celebrations. A recent CardRates.com study... Read More »

1 in 4 Americans Still Carry Last Year’s Holiday Credit Card Debt
Debt Management

1 in 4 Americans Still Carry Last Year’s Holiday Credit Card Debt

By: Lynn Cadet • 11/24/2025

As Black Friday approaches, Americans are gearing up for another annual round of holiday shopping. But here’s the kicker: Many are still carrying... Read More »

Read More Studies »
About Us

About Us

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CardRates.com was created with a singular goal: to better educate consumers about the benefits and perils of credit cards. Visit us often as our finance experts share advice, news and reviews daily!

About CardRates

About CardRates

CardRates.com was created with a singular goal: to better educate consumers about the benefits and perils of credit cards. Visit us often as our finance experts share advice, news and reviews daily!

Credit Card Advice

Credit Card Advice

Follow our team of finance experts for the best credit card advice on the web.
Credit Card News

Credit Card News

Follow the latest in personal finance news, reviews, brand profiles, interviews and more.
Credit Card Reviews

Credit Card Reviews

Our team of experts have reviewed and ranked the best credit card offers for 2026.

 Go to About Us »
Press Room

Press Room

CardRates is regularly relied upon by national media outlets to provide expert commentary on various credit and finance topics. See our latest media appearances below.

How Do You Pack for a Yearlong Trip?

New York Times

How Do You Pack for a Yearlong Trip?
You can now freeze your credit for free...

CNBC

You can now freeze your credit for free...
Confessions Of A CTO: Three Technical...

Forbes

Confessions Of A CTO: Three Technical...

 Go to Press Room »
Careers

Careers

CardRates is a fast-paced, goal-oriented team. Check out our open positions below. We’re always seeking top development and content talent to support our quickly growing team.

Finance Writer

Finance Writer

CardRates.com is seeking intelligent, hard-working individuals who are eager to...
Compliance QA Specialist

Compliance QA Specialist

We are now seeking a quality control expert to help ensure compliance across...
Senior Finance Writer

Senior Finance Writer

For those with upward of seven years of editorial experience, you're invited to...

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