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 credit card approval process can be speedy or could take weeks.
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 is better?
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 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
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.
Here’s what you can do if your new credit card doesn’t meet your expectations.
Big banks charge higher rates than small banks or credit unions, per the CFPB.
To help keep your credit utilization low, stick to a twice-monthly payment schedule.
Closing the account may affect your credit score, but it will depend on your current credit factors.
How to use credit card referrals to earn extra rewards.
A Bank of America credit limit increase is possible, but you may need to ask.
Earning travel rewards with credit cards can help offset travel expenses.