Credit Card Knowledge Center

In addition to the research we do to explain current credit card offers, MoneyRates.com's articles are designed to help you better understand how credit cards work and how to use them to advantage.

Understanding Credit Cards: From APR to Zero Interest Deals

Credit cards offers have many parts. Things that seem like small details can save - or cost you - a lot of money.

A few minutes of research can really pay off. Links on this page can help you better understand key concepts like:

  • How APR works
  • What to know about credit card fees
  • Cash back and other reward credit card deals
  • When to use balance transfer credit cards

The more you know, the better able you'll be to choose the card that's right for your needs.

Applying for a Credit Card and Managing Your Account

Picking the right credit card offer is just the start. What you do next can make even more difference. Learn about:

  • What factors affect your credit card application
  • How to handle your payments
  • Keeping your credit score in good shape.

Check out the articles below to learn more about credit cards.

What Are Credit Card Points and Miles Worth?

Peter Andrew
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Credit card reward programs can slash the cost of travel and earn you valuable benefits and perks. So you want to pick the best miles credit card and the best points one. But how do these programs work? How do you earn, redeem or transfer points or miles? And can you calculate their value on a cent-per-point or mile basis? Read on to find the answers to these and other questions.

What Happens When You Max Out Your Credit Card?

Maryalene LaPonsie
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A maxed-out credit card can affect your credit score and your ability to get a loan. Here's what you need to know about hitting your credit limit and how to get your finances back on track.

10 Biggest Credit Card Mistakes You're Making, Even if You Think You're an Expert

Maryalene LaPonsie
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Think you're a credit card master? You could still be making these mistakes.

What Is a Perfect Credit Score Really Worth?

Gina Pogol
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What is a perfect credit score? How do you get a perfect FICO score? Is it even possible to get a perfect credit score?

If you could achieve perfect credit, how much money could you save?

In this article, we'll break down credit score ranges, show you what people pay for financing in those credit score ranges and provide tips for attaining your best credit score possible.

Credit Card for Medical Bills

Peter Andrew
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If you suddenly fall sick, paying medical costs can quickly become a problem. And you may need to use every financial tool at your disposal. Here are some circumstances in which it can be smart to put a medical bill on a credit card.

How Do Credit Cards Work?

Rebecca Lake
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Credit cards allow you to make purchases easily and conveniently. Learn how to use credit cards responsibly to help decide if a credit card is right for you.

How Secure is Chip-and-PIN Authentication?

Peter Andrew
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Chip-and-PIN cards are the most secure form of plastic payment currently available. It's incredibly hard to make counterfeit cards or to crack legit ones. Their biggest weak spot is ... you!

What is a Balance Transfer Credit Card and How Does It Work?

Richard Barrington
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Want help with credit card debt? Used the right way, balance transfer credit cards can help you pay less interest and pay off your debt faster. See how to make this happen.

How to Pay Off Credit Card Debt Faster

Richard Barrington
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Sick of making credit card payments? These tips can help you get out from under credit card debt sooner.

Will My Credit Card Rate Drop After the Fed Rate Cuts?

Richard Barrington
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Expecting a lower credit card rate after the Fed slashed its interest rates? See why the two aren't that closely linked, and what you can do to make sure you get a better rate.

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