Find the Perfect Credit Card

Maximizing your benefits and rewards by selecting the top credit card

One Stop Solutions

Are you lost in the maze of credit card options? Unsure which one to choose? Confused by similar-sounding card names? Struggling to understand the terms, offers, or how to convert miles and points into real cash? You’ve come to the right place. This site is your one stop solution for all your credit card questions. We will guide you in picking the right credit card to maximize benefits, making your financial journey smoother and more rewarding.

Top Travel Card

No foreign transaction fee, Trip protection, Accumulating miles and point

Top Reward Card

Sign up bonus, Maximizing cash back Cell phone protection plan, Grocery rewards

Credit Card Review

Currency exchange rate, contactless feature, Fraud alert, Miles/Points redemption

Credit Card 101

Fundamental of Credit card knowledge, key term, glossary and practical tips

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Something you might want to know before applying for credit card

a silver credit card sitting on top of a table

What is a credit card?


A credit card is a plastic card issued by a financial institution such as a bank or a credit union. Unlike a debit card that deduct funds directly from your bank account, a credit card allows you to borrow funds from the card issuer to pay your purchases on your promise to repay the borrowed amount along with any applicable interest and fees. Each credit card has a predetermined credit limit, which is the maximum amount of money you can borrow on the card. This limit is based on factors such as your creditworthiness, income, and existing debts.

How credit cards work?

Making purchases:
When you use the credit card to make purchases at physical stores, online retailers and for other transactions where credit cards are accepted, your transaction is recorded, and the card issuer pays the merchant on your behalf.

Repaying the borrowed amount:
Credit card transactions are typically grouped into billing cycles, usually monthly. At the end of each cycle, you receive a statement from the card issuer detailing your purchases, payments, and any fees or interest charges incurred.
You are required to make a minimum payment by the due date specified on your statement. This payment ensures that your account remains in good standing, but it’s important to note that paying only the minimum can lead to interest charges on the remaining balance.

Who issues Credit Card?

A credit card issuer is a financial institution typically a bank that provides credit cards to consumers. Credit cards issuers issue credit cards under their brand names or through partnerships with other organizations (like airlines, retail stores, or professional associations and manage the accounts associated with those cards, and handling customer service related to the credit cards they issue.
Credit card issuers make money through fees, interest charges on balances carried over time, and sometimes through partnerships with merchants or rewards programs.
In the USA, some of the major credit card issuers include…… Read Next Section for details

Credit Card Issuers


Wells Fargo

Wells Fargo issues credit cards with rewards programs and options for building or rebuilding credit, such as the Wells Fargo Propel American Express Card and the Wells Fargo Cash Wise Visa Card.

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Bank of America

Bank of America issues credit cards with rewards programs such as cash back and travel rewards, as well as co-branded cards like the Bank of America Cash Rewards Card and the Alaska Airlines Visa Signature Card.

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Capital One

Capital One provides credit cards with various rewards programs, including cash back, travel rewards, and options for people with average or limited credit history.


American Express (Amex)

American Express issues a variety of credit cards, known for their travel rewards, cash back, and premium benefits like airport lounge access.


Chase (JPMorgan Chase & Co.)

Chase is one of the largest credit card issuers in the United States, offering a wide range of credit cards with various rewards programs and benefits.


American Express (Amex)

Citi offers a range of credit cards including travel rewards cards, cash back cards, and co-branded cards with partners like Costco and American Airlines.