Credit Card Advice
Check out the latest rewards credit card news and advice from our team at Bankrate.
We can help you find the right credit card to earn cash back and maximize your points and miles.
- Applying for a Credit Card
- Guide to finding your first credit card
- Guide to using your first credit card
Learn everything you need to do to apply for a credit card and increase your chances of approval.
The best time to apply for a credit card depends more on your financial situation.
The credit card approval process can be a relatively speedy, but it may take weeks.
Making too many credit card applications in a short period can hurt your credit score
So, your credit card application has been denied — here’s what to do next.
To process a credit card application, issuers will do a hard inquiry on your credit.
Credit card preapproval or prequalification — Which one is better and how to get it.
Deciding whether or not to get a credit card comes down to your personal finances.
Watch out for these red flags before picking your first card.
Once you understand the basics of credit, you’ll want to weigh your options.
Average credit limits on first credit cards vary by credit score, income and type.
Find out how to use your credit card and which pitfalls to avoid.
Find out the best practices for your first credit card and which pitfalls to avoid.
How to reset your parents’ resistance to credit.
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The Latest Credit Card Advice
You can redeem card rewards for cash back, points or miles and gift cards.
Amex Offers let you earn rewards when you activate and meet the requirements.
Safeguard your score by understanding when your issuer reports to the bureaus.
A credit limit increase can be a great way to reduce your credit utilization ratio and free up available credit.
Credit utilization is a big part of your credit score, and you should take steps to manage it well.
Discover cardholders can request a credit limit increase by phone, online or on the Discover app.
A credit score of 700 may not allow you to fill your wallet with high rewards credit cards named after precious metals and gems, but you’re well on your way if you keep building good credit habits.
Follow these tips to stay EMV compliant when processing chip-enabled credit cards.