Hi, my name is David and I started this site in 2006 to help others choose credit cards and loan products wisely.

Prior to launching this site I founded Money Under 30, a comprehensive personal finance blog dedicated to providing personal finance advice to my peers — students and working professionals under the age of 30. Like many people my age, I graduated from college with a boat load of debt (including credit card debt) and wanted to do something to help others avoid the same mistakes I made.

Credit cards are a powerful financial tool that are almost necessary for every consumer in today’s day and age. And whether you carry one card or a dozen, it’s important to choose a card that fits your needs and financial situation.

You won’t find every credit card on this site, but for good reason. Many credit card’s terms and interest rates are so average that nobody should be carrying them. The problem is, most people choose a credit card on impulse. And credit card companies know it. That’s why you can put a picture of almost anything on a credit card or get a card that gives you points towards almost any store or that gives 1% back to a nonprofit organization. Unfortunately, most of these cards aren’t good deals for you. Their interest rates are sky-high, and many do not give you additional perks like introductory rates, balance transfer rates, or cash back.

If you don’t have excellent credit, the credit card waters get even murkier. Credit card marketers want applications; they’ll worry about whether you get approved later. Despite those offers in your mailbox, there’s no such thing as “pre-approved”. It’s marketing BS to get you to apply.

The credit card reviews on this site feature a “credit level” rating to give you an idea of whether you can be approved for that particular credit card. Cards requiring “excellent” or “very good” credit mean you’ll probably need a credit score of 700 or more. “Average” and “good” ratings can be considered credit scores of between 600 and 750, while “bad credit” cards may be issued to people with scores of less than 600 or no credit at all.

I hope you find this site useful, and I hope you find a credit card that meets your needs here.