What are the general rules in choosing a card?

If you carry a balance: Opt for a non-rewards program to obtain the lowest interest rate

If you pay in full: Opt for a rewards or cash back card and enjoy the perks. APR is not a critical factor. There may come a day, when you may need to carry a balance, so keep that in mind as well.

If you are an Elite Cardholder (American Express Platinum/Black Card), with concierge services, airline lounge admittance, etc., you may not find a comparable credit card in this website.

Balance Transfer Fees: This is one of the most ridiculous fees out there. Why should consumers pay to bring a balance to a financial institution that will be earning finance charge income from that balance?

round corners