![A gray credit card between one sign that says "pros" with an arrow pointing right and one sign that says "cons" with an arrow pointing left.](https://www.bankrate.com/brp/2024/08/23171224/Cards-Credit-Card-Pros-And-Cons-1.jpg?auto=webp&fit=crop&width=230&height=150)
Credit card pros and cons
A credit card can help you build credit and earn rewards, but it also has risks.
Kendall Little is a former personal finance writer covering credit card news and advice at Bankrate. She is originally from metro Atlanta and holds bachelor’s degrees from the University of Georgia in both journalism and film studies.
Before joining Bankrate in August 2018, Kendall worked in digital communications throughout various industries, including education, health care and television. Follow her on Twitter: @kendallnlittle.
A credit card can help you build credit and earn rewards, but it also has risks.
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