Finder’s credit card team spends hundreds of hours researching 500+ credit cards to find the ones with exceptional value. When choosing a credit card, look for the benefits and features that best fit your financial needs, whether that’s a 0% intro APR period, generous rewards, a strong signup bonus or a lengthy balance transfer offer. Our unbiased reviews and guides can help you choose a card that’s right for you.
Use our credit card comparison tool to narrow down a selection of cards that meet your needs, the benefits you want and the cards you’re most likely to qualify for.
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How to compare credit cards
When comparing any type of credit card, consider these key features to narrow down your options.
Strong introductory offers. Credit cards often come with promotional features and perks for new customers, such as introductory 0% APRs, bonus points or waived annual fees in the first year. These types of deals can give you more value when you first get a new card, as long as you meet the offer requirements.
Complimentary extras. Credit cards offer a wide range of complimentary features and benefits that you can use to get more value from the account. Examples include travel and medical insurance, airport lounge access, concierge services, and more. These perks can add up to hundreds of dollars of extra value, but only if you use them. When you’re looking at the complimentary extras during your credit card comparison, be realistic about whether or not you will be able to get value from these features so that they offset the cost of any fees.
Valuable rewards programs. If you want to earn rewards for your credit card spending, pay attention to the type of rewards program available. Some credit cards are linked to existing reward schemes, while others have their own rewards programs. As well as deciding which rewards program you want, think about how often you’ll use the card and the amount of points you need to redeem rewards. This will help you compare different rewards credit cards so you can find one that works for you.
Low rates and fees. Carefully comparing and understanding the rates and fees will help you work out the overall cost of each credit card you compare. Interest and annual fees are two of the biggest figures to watch out for, though you’ll want to understand all credit card fees to best use your card.
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Understanding credit card rates and fees
Read all the fine print a few times to be sure you understand everything the card offers. Read up on what all the terms mean, such as APR and grace period. Sometimes they are explained on the credit card agreement, but you can also contact the credit card provider to learn more.
Annual fee. The ideal card for you may not be one without an annual fee. But if you are going to be carrying over a balance for a month or two, consider a card with a lower ongoing APR.
Interest rates. If you often carry a balance, a low-APR card may be the way to go. But know that unless you’re getting a credit union card — which often has fewer fees and lower APR — you’ll be giving up the option to earn generous rewards on your purchases.
Cash advances. Cash advances can be draining on a credit card since the fees and interest rates are high. If you need to use your credit card to withdraw money from the ATM, consider a credit card with no cash advance fees — but you will still incur an APR from the moment you make the transaction.
Megan Horner is head of publishing at Finder, where she leads a team that's focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score.Â
Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University.
If you’re looking for a credit card but have a bad credit rating, use this guide to compare suitable credit cards and regain control over your finances.
Shopping online is very simple and convenient, yet can seem risky for cardholders. Follow this guide and make sure to keep your personal details safe too.
Canceling a credit card can be a good idea, especially if you’re not using it any longer, if it’s been stolen or if you’re in the market for a new card. It’s important you do it the right way, though, or you risk damaging your credit file or paying costs from your existing account.
Thanks for getting in touch! Kindly note that we are unable to find your account number for you. You would need to contact your bank to retrieve your account number.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Thanks for getting in touch! To check the status of your credit card application, go to the website of the card provider and read through their application process. If there is no information stated, your next step is to give them a call. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
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finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Can you help me find my account number?
Hi Kellie,
Thanks for getting in touch! Kindly note that we are unable to find your account number for you. You would need to contact your bank to retrieve your account number.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Best,
Nikki
How do I find status of my application?
Hi there,
Thanks for getting in touch! To check the status of your credit card application, go to the website of the card provider and read through their application process. If there is no information stated, your next step is to give them a call. Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki