When you’re comparing credit card offers, you look at a lot of different things such as interest rates, annual fees, rewards, and other perks. Do you even think about the actual company your card is associated with though? Does it really matter if the credit card with the terms you find most appealing is a Visa, MasterCard, or American Express? Probably not. That doesn’t mean you shouldn’t consider it at all though.

There are at least three possible differences between using an American Express or a Visa / MasterCard (lumped together here, because their benefits and drawbacks versus Amex are very similar). Let’s take a look at those differences: read more..

Whether you’re looking for your very first credit card, a new card to supplement your existing accounts, or a new card to take the place of an existing one, choosing a credit card isn’t always easy. You’ll be presented with offers for several types of credit cards, and you’ll have to decide which card is right for you.

Here are descriptions of the basic types of credit cards you’re likely to come across, to help you make a better decision about which card to apply for. read more..