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Credit Cards

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Credit cards are useful tools for consumers and can help you earn money and rewards on everyday purchases.

Just remember, you should always use a credit card responsibly, which means making your payments on time and in full every month.

Credit Card Resources

Credit Cards 101:

Types of Credit Cards – A 101 on what options you have:  
Learn more
Advantages of Credit Cards – The perks of having a card:  
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Find the Best Credit Cards:

No Annual Fee Credit Cards – Find the best everyday cards:  
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Annual Fee Credit Cards – Find the best premium cards:  
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Free Credit Card Tool – Find the best card for you:  
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Apply Today – Apply for the best credit cards now:  
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From the Blog

The Latest Credit Cards Articles:

JSI FEATURED IMAGE Simplifying SBI Credit Card Login 1

Simplifying SBI Credit Card Login: Step-by-step Guide and Tips

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The Dangers of Credit Cards And How to Avoid Them

The Dangers of Credit Cards And How to Avoid Them

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JSI FEATURED IMAGE 17

How Many Credit Cards Should I Have? The Right Answer

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First Savings Credit Card - Feature

First Savings Credit Card Review

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Best Debit Cards for Kids - Feature

The Best Debit Cards for Kids to Teach Them About Money

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Fit Mastercard Review - Feature

Fit Mastercard Credit Card Review

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How to Get Started with Credit Cards

There are five simple steps when it comes to finding the perfect credit card for you:

  1. Check your credit score
  2. Calculate your spending
  3. Determine the card category you want
  4. Do the math! (or let us do it for you)
  5. Apply for the best card for you

Getting started is easy, and you can get the full guide on how to find the best card for you here:

Full Guide

Credit Cards 101

What is a Credit Card?

A credit card is issued by a bank or institution and is a tool that allows consumers to take out loans to in order make payments.

At the end of a month (or time period), the consumer then must pay back the loan in full or pay interest on any delayed payments. The benefit of credit cards is that they typically offer rewards (i.e. 1% cash back) to consumers who use their cards.

How Does a Credit Card Work?

Simply stated, a credit card allows you to make purchases throughout a time period (usually a month) without actually paying for anything until the end of the time period (up to your allowable credit limit).

One of the easiest ways to understand credit cards is to compare them to debit cards.

With debit cards, you instantly pay whenever you swipe the card with money coming directly from a checking account. With credit cards, the issuing bank covers the upfront payment, you don’t have to pay the bank back until the end of the time period.

Why Credit Cards Matter

Credit cards serve two main purposes for consumers:

  1. They are a tool to build your credit score
  2. They reward you for making purchases

1. Build Credit

Lenders want to know you are a responsible consumer before giving you money, like for a home or car.

Using a credit card responsibly over time and building your credit score is one way to signal to future lenders that you are a reliable consumer.

Learn more

2. Reward Yourself

Credit card rewards come in many different forms, including:

  • Cash back
  • Rewards points
  • Travel rewards
  • Sign-up bonuses
  • Fraud protection
  • Additional warranties
  • And more
Learn more

Credit Card Tools

Check out some of these credit card tools and resources to help find the best credit card for you:

  • Best Credit Cards – Get the list of the best credit cards and learn how to apply
  • Clyde.ai – Find the best credit card for you based on your spending habits
  • CardCruncher – Find the best credit card for you based on your spending habits

The Latest Blog Posts:

  • How Financial Services Use Transactional Emails to Combat Cyber Threats June 13, 2025
  • How to Succeed in Retail Real Estate Investment for Steady Returns May 30, 2025
  • How to Buy Stocks the Smart Way Even If You’re Just Starting Out May 28, 2025

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Just Start Investing Press Strip 2020 B&W

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