Credit Cards

Credit cards can help with convenience, emergencies, rewards, credit building, or business spending. They can also become expensive when balances are carried at high APRs.

Types of Cards to Compare

• Secured credit cards for rebuilding credit
• Starter cards for limited credit history
• Balance transfer cards for existing debt
• Rewards cards for travel or cash back
• Business credit cards for business expenses

What to Review Before Applying

• Purchase APR
• Balance transfer APR and fee
• Annual fee
• Late payment fee
• Security deposit requirement
• Rewards structure
• Credit bureau reporting
• Introductory APR period and regular APR after promotion