Additional credit card research
How do you know what card to apply for? If you’re looking for any easy way to compare the best credit cards, check out our search tool below:
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Credit card pro tips
Among the common questions we try to answer are “What are the benefits of a credit card” and “What are points on a credit card?” Both the former and the latter can vary based on which card you’re talking about, so we’ve done our best to cover these subjects in broader detail.
Although the best credit cards offer a slew of obvious benefits including cash back and travel rewards, other perks aren’t always advertised prominently. Examples include:
- Zero liability for fraudulent purchases
- $0 foreign transaction fees
- Rental car coverage
- Free FICO® Score
- Extended warranties
- Roadside assistance
You might have to dig deeper to find them, but these features can truly come in handy. If used correctly, they can even help you save money, travel safer, and protect yourself from undue risk.
Understanding points and other rewards
Points are just one example of rewards programs. They typically serve as a card-specific currency you can earn at varying rates and then redeem for various rewards. Many different cards offer different forms of rewards and it pays to research these to know what you’re getting into. This is where it really pays to read the fine print.
Take this for example: You might see that a particular airline card offers the first checked bag free on every flight. It’s a great perk, but without scrutinizing the fine print, you might not learn that cardholders also get checked baggage insurance, car rental loss and damage insurance, discounts on eligible in-flight purchases, or other goodies. If you aren’t aware of all the features, you probably won’t get the maximum benefit from even the best credit card.
Always treat your card like cash
The quickest way to enter a downward spiral is to use a credit card to make a large purchase you cannot afford. If you don’t have the cash to pay for something, don’t use credit as an excuse to justify the purchase. Only charge what you can afford to pay off each month — period.
What credit card should I get?
It all comes down to your everyday spending habits. Ideally, you want a card that rewards those spending habits rather than one that forces you to adjust how you purchase things. These cards we’ve covered are some of the best on the market and a great place to start.
Further reading: Google-X’s guide to choosing a budget.