The benefits of staying loyal to a bank or other credit card provider can often be worthwhile and lead to personalised credit solutions.

On the other hand, credit card offers are changing at a rapid pace as competitors try to outshine each other, so finding the best deal may mean looking outside the square. So what is more important – loyalty to a provider or the actual card features on offer? read more..

You’ve probably heard of fuel credit cards — rewards credit cards where the rewards are focused on petrol savings. One example is the Citibank BP credit card, where you can save 5% on petrol and other purchases made at any BP location (with lesser rewards when you use your card elsewhere).

Do you have a fuel credit card? Should you have a fuel credit card? Or would you be better off with a different type of rewards credit card? Let’s take a look at some factors to consider, and how to get the most out of fuel credit cards should you choose to use one. read more..

You may have seen “24 / 7 concierge services” featured as a perk on some credit card offers. What do these concierges do for you exactly? What kinds of credit cards offer these extras to cardholders like you? And are they a factor worth considering when comparing credit cards?

Let’s take a look at the basics of credit card concierge services often included as an added perk, including some cards that offer them. 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..

You’re going on an overseas trip this summer. You booked your flight and hotel using a rewards credit card that offers free international travel insurance, as many do. What exactly does that travel insurance cover? Will you recoup losses if you have to cancel your flight? Will you be covered if you’re injured while on your flight? What about if you’re injured at another time during your trip? read more..