Credit Card Advice
Whether you are applying for your first credit card, looking for an addition to the cards that you already have, or just seeking expert advice on the best way to use your credit cards to maximize rewards and stay out of debt, we have articles that can help. Our mission is to help you meet your financial goals, and our team is dedicated to providing you with the education and resources that will make it possible for you to use credit cards to get to where you want to be. Explore hundreds of credit card advice articles below.
Bankrate Expert Credit Card Advice
Latest credit card advice articles
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APR vs. APY: Understanding interest rates
Understanding the difference between APR and APY can help you make smart money decisions.
7 min read Apr 13, 2025 -
How to decide which rewards credit card is best for you
Find a credit card that aligns with your spending pattern to reap the rewards.
5 min read Apr 11, 2025 -
You can pay your medical bills with a credit card, but should you?
When paying for medical bills with credit, aim to pay it off as soon as possible.
7 min read Apr 11, 2025 -
Best-looking cards for 2025
Here are our picks for the best-looking credit cards — and how you can use them.
53 min read Apr 11, 2025 -
How to recover from credit card delinquency
Delinquency can have a rough impact on your credit, but it’s possible to recover.
9 min read Apr 11, 2025 -
How to do a balance transfer with Capital One
You can transfer a balance to a Capital One card in a few easy steps.
6 min read Apr 11, 2025 -
How to request a credit line increase with Capital One
Increasing the credit limit of your Capital One card can be done automatically, online or by phone.
5 min read Apr 11, 2025 -
Why you should have a 2% cash back card
A 2 percent cash back card can be a strong addition to your wallet.
4 min read Apr 11, 2025 -
How to find fixed-rate credit cards
Fixed-rate credit cards aren’t as common as they once were.
5 min read Apr 11, 2025 -
How to redeem credit card rewards
You can redeem card rewards for cash back, points or miles and gift cards.
7 min read Apr 10, 2025 -
How to maximize spending with Amex Offers
Amex Offers let you earn rewards when you activate and meet the requirements.
6 min read Apr 10, 2025 -
When do credit card companies report to the credit bureaus?
Safeguard your score by understanding when your issuer reports to the bureaus.
4 min read Apr 10, 2025 -
How to request a credit line increase with Wells Fargo
A credit limit increase can be a great way to reduce your credit utilization ratio and free up available credit.
5 min read Apr 10, 2025 -
Everything you need to know about credit utilization ratio
Credit utilization is a big part of your credit score, and you should take steps to manage it well.
8 min read Apr 09, 2025 -
How to request a credit line increase with Discover
Discover cardholders can request a credit limit increase by phone, online or on the Discover app.
8 min read Apr 08, 2025 -
Best cards for 700 credit score
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.
40 min read Apr 07, 2025 -
What is EMV compliance law and should your business worry about it?
Follow these tips to stay EMV compliant when processing chip-enabled credit cards.
7 min read Apr 07, 2025 -
Is redeeming rewards for gift cards a good idea?
Many issuers offer gift cards in for rewards — but are the redemptions worthwhile?
3 min read Apr 07, 2025 -
What is an affinity credit card?
Affinity credit cards make it easy to donate to a cause.
5 min read Apr 07, 2025 -
Can a credit card be canceled after being approved?
Here’s what you can do if your new credit card doesn’t meet your expectations.
4 min read Apr 05, 2025