Credit Card Rates

Rates for credit cards listed are updated weekly and based on data compiled by CardRatings.com for benefit of the N.Y. State Banking Dept. Indvidual rates will vary based on one's credit profile.
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Featured Stories and Latest News
 

Eight Steps for Finding the Best Credit Cards

The wide array of credit card offers can be confusing. But with a little knowledge and research, you can find the best credit card for you. Here are eight points to consider when selecting a credit card.  Read More »
Posted 11/04/2009

Credit Card Merchant Fee Rules Threaten Rebates and Rewards

A clamor for a reduction in credit card processing fees could reduce cash back rebates and other rewards.  Read More »
Posted 10/29/2009

Equifax Reports 38% Drop in New Credit Card Accounts

According to recent data from Equifax, American credit card issuers mailed out 38% fewer credit cards in the first four months of 2009 than they did during the same period in 2008. Reasons for the drop in new credit cards include:  Read More »
Posted 08/05/2009

Drops in Credit Card Default Rates Send Bank Stocks Higher

Lower-than expected credit card delinquency rates suggest that Americans are emerging from the worst of the economic downturn.  Read More »
Posted 08/05/2009

New Lending Laws Put Fixed-Rate Credit Card Offers on Endangered List

Many personal finance experts predict that fixed-rate credit card offers will all but disappear by the end of 2009.  Read More »
Posted 08/05/2009

 
Latest CardRatings Blog Entry
 

Credit Card Canceled Without Notice? Fight Back!

Following a series of shuddering changes in the economy, credit card companies have gotten tough in dealing with consumers. For years, lenders thrived on credit card customers who couldn't make payments on time, and companies reeled in lat... Read More »
Posted 10/16/09 11:38 AM

How One Credit Card Issuer Made Decisions: Ability, Stability, and Willingness to Pay

Lending decisions vary from lender to lender. The purpose of this article is to offer some insight into how I thought about credit card and loan applications while I served as credit analyst for a major credit card issuer. There is a lot of fuss surrounding FICO scores and Read More »
Posted 10/1/09 11:15 AM

Why the Credit CARD Act Is Actually REALLY BAD for Students

While many people have written about how the CARD Act may affect the availability and cost of credit in general, little criticism has been raised about the student/under 21 provisions. Here are four ways the CARD... Read More »
Posted 9/11/09 8:34 AM

 
Basic Credit Card Guides
 

Airline Rewards Cards and things to look for

Four strong reasons why you should be wary of credit cards that offer airline miles as rewards.  Read More »
Posted 08/05/2009

Tips for finding your best secured credit card

How to find a secured credit card that helps you make money on your deposit and comes with low fees.  Read More »
Posted 08/05/2009

Variable versus Fixed Rate Credit Cards

Understanding nuances between fixed and variable rate credit cards could translate into huge savings in finance or interest charges.  Read More »
Posted 08/05/2009