What do you really want from a credit card? If you’re going to be a loyal customer of any credit card company, shouldn’t you be rewarded? Citibank thinks so. And their Citibank Platinum credit card is a perfect example of how you should expect more from your credit card company.

Does your current credit card let you personalise your rewards programme? Do you get a sign-on bonus just for becoming a new and valued customer? Do you get a credit limit commensurate with your spending or financing needs? The Citibank Platinum credit card gives you all of that and more. read more..

You know that there are a variety of benefits of using credit cards, from extra spending power to security and fraud protection. But there’s another aspect of credit cards that benefits a couple of specific consumer groups — the ability of credit cards to help you build a credit history.

Let’s talk about how credit cards can help you build a credit history (which you can check when you review your credit file), why it matters, and what consumer groups really stand to benefit most from this. read more..

Some people want credit cards for the rewards. But what if you’re mostly interested in the convenience credit cards offer, and you’re not willing to pay a small fortune for the privilege? Then a no frills credit card like the Heritage No Frills Classic Visa might be a good pick. You can forego all of the fancy features (and all of the fancy fees that go along with them).

You can learn more about the Heritage No Frills Classic credit card below and apply online today if a no frills credit card option is the right option for you. read more..

Cash back rewards cards are a good thing, right? What’s not to love about getting money back on purchases? In most cases, nothing! But there are some situations where certain types of cash back offers in the hands of certain types of consumers pose a special kind of risk — one of overspending and the accumulation of extra credit card debt.

Let’s take a look at how cash back credit cards work in a general sense, and then how specific circumstances can drive the occasional consumer to overspending where other rewards might not. read more..

When comparing rewards credit cards, do you occasionally see credit card offers that look a lot more expensive than others? Maybe they have an astronomical interest rate. If nothing else, they have a very high annual fee — such as $400 or more. Why do these cards exist in an otherwise competitive market that keeps many offers similar or trying to undercut each other with advertised deals? And more importantly, should you avoid them or apply for one?

These “elite” credit cards have both their costs and their benefits. But before we talk about whether or not the benefits outweigh those costs, let’s talk about why they can get away with charging much higher fees. read more..