One of the most important features of a credit card is its annual fee. When you find two cards with similar perks and interest rates but different annual fees, it’s a no-brainer. It makes sense to go with the lowest fee possible. But what if you only find one credit card that really offers the perks or rewards you want? How do you evaluate the annual fee in that situation?

To help you figure out what a reasonable annual fee is, let’s start by taking a look at what those fees cover. read more..

Are you thinking about transferring your high interest credit card balance to a new balance transfer credit card? Do you know what that balance transfer could really cost you? Have you already transferred your balance too many times? Let’s take a look at these things and more with three balance transfer basics any cardholder should know about.

Here are three things you should know about balance transfer credit cards before deciding to move your balance. read more..

Do you want to save some money on holiday shopping with a new low interest offer, or save over the longer term with a good balance transfer deal? And how do you feel about paying no annual fees? No matter what your credit card savings goals are, you should check out the Bankwest Zero credit card.

It features a special very low purchase rate that would let you pay off holiday purchases over time, a reasonable nine-month balance transfer offer, and it’s a no annual fee credit card. It’s hard to go wrong with a deal like this! read more..

You’ve probably seen plenty of introductory offers as you compare credit cards. They’re designed to grab your attention with temporary benefits that make them more attractive than other options. These offers can vary from one-time bonuses to low fees and rates that can last for months (or even more than a year). But how long is long enough? Does it really matter if an introductory offer lasts three months or six?

Let’s take a look at some specific types of introductory offers you might find and then consider the lengths of those offers. read more..

Are you planning to use your credit cards to pay for gifts this holiday season? If so, do you have a credit card already in your wallet that would be a good fit, or are you considering applying for a new credit card? While not all consumers should apply for new credit for something like holiday shopping, it might be a great money-saving way to pay for holiday gifts this year.

Let’s look at a few things you should consider before deciding whether or not applying for a new credit card is the best option for you this holiday season. read more..