» Credit Cards
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Currently consumers are presented with a wide array of credit card choices such as low interest credit cards, balance transfer, cash back, reward, and bad credit credit cards. So, with all of the different credit cards available, how do you choose one to fit your financial needs? Before selecting a...
» Credit Reports & Scores
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Do you know your credit score? Do you know what's in your credit report? Discover what creditors know about you. Get your credit report and credit score now. It is recommended that consumers get a copy of their credit report at least once a year...
» ID Theft & Monitoring
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Recent statistics show that 1 in 10 Americans have already been a victim of ID theft. Discover why more than 50 million Americans use a credit monitoring service. Learn how to avoid identity theft and learn what to do if your identity is stolen...
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Need a loan fast? Get a great rate on a personal loan, auto loan, student loan, or military service loan. Quick no-hassle loan applications and approval process.
» Our Mission
Over the past ten years, First Credit has helped people find the best credit card offers available anywhere. With issuers sending out hundreds of offers daily, it can be difficult to decide which card and which offer suits you best. First Credit helps you clear out the clutter and make a clear, educated decision. Beyond credit cards, our services have now expanded to help more people, with more services and information, in less time. The expanded website continues to offer the greatest deals on the best credit cards for your circumstances, but we also provide reviews for:
Visitors will find timely and original content-rich articles on building and maintaining good credit scores, reducing credit card debt, and intelligent use of credit. First Credit believes that a solid education on credit is necessary, especially in these challenging economic times. The site is packed with information on all aspects of managing your personal credit. We begin with a tutorial on applying for credit cards, and we progress from there. Whether looking for a personal credit card or business credit card, selecting the correct card and managing its use is vital to financial success. To support this goal, First Credit also provides reviews and handy comparison tools so that you can ensure you have the best available offer in categories such as Low Interest Credit Cards, Airline Miles Credit Cards, Bad Credit Credit Cards, Reward Credit Cards, Secured Credit Cards, Balance Transfer Credit Cards, Business Credit Cards, and Cash Back Credit Cards. You may also see reviews by credit card issuers such as, American Express, Discover, Bank of America, Chase, Citibank, Capital One, HSBC, and Orchard Bank to name a few. Consumers can also find information on when to transfer balances, find the best card with a low APR for transfers, and get the three-step guide to simply reducing overall credit card debt to a manageable level.
What separates us from the competition is the fact that we tell you what you need to know, not just what the credit card companies want you to hear. See our credit card reviews and our personal finance blog.
From time to time we issue consumer alerts to inform consumers of important issues regarding various credit cards, credit card offers, and credit card providers. We constantly monitor the credit card market so that you may find the best offer that suits your current financial needs, not just the offer that meets the advertising goals of the credit card companies. We also bring you the best deals and information on credit reports and scores, Id theft and monitoring, loans, banking and trading, and travel.
When you find the offer that best suits your needs, simply complete the online credit card application and in some cases you may receive a decision within 60 seconds! Please note: Not all applicants will receive a credit decision or instant approval within 60 seconds. So go ahead and apply for a credit card or other great product now with confidence.
» Featured Article
Credit Cards With the Best Benefits
Which credit cards offer the best benefits will very much depend on your own personal circumstances and spending habits. If you've already held a credit card in the past and have a balance you could transfer to another provider, there are several credit cards with the best perks to choose from.
Shopping Habits
Credit cards with the best benefits should address a range of issues, not just your spending habits with regard to how much you spend on your card every year, but also where you spend your money. Most providers now offer reward programs, but it will very much depend on your own personal spending habits, which cards will provide you with the best benefits.
American Express has a wide range of cards with generous perks. Credit cardholders will get rewarded for almost every cent they spend with their American Express cards, from retail therapy to dining out, entertainment and travel rewards, once they have joined the Membership Rewards Program. Some cards are aimed at regular travellers and concentrate just on rewarding travel related spending. The Delta and JetBlue range from American Express springs to mind.
Reward Cards
Before you sign for new credit cards with the best benefits, you should read the fine print. A card that promises you rewards like cashback and favourable interest rate may claw back the money by charging a large annual fee. Some card providers limit the amount of money you can earn with cashback, making the overall package suddenly appear far less attractive.
The Discover More credit card offers one of the most generous cashback arrangements currently on the market. If your spending habits are regular, the card offers up to 5% on certain categories and 1% on all other purchases. The Discover card provides cardholders with a 5% bonus calendar, where they can check the highest cashback categories for a particular month, as the categories change every so often. Some categories are capped, so you should think carefully before signing up to this card.
The American Express Blue Cash card also belongs into the category of credit cards with the best perks, since you can get up to 5% cashback on certain categories that won't change monthly and cover more day-to-day necessities like your groceries, drug store purchases and filling up your car with gas. The card also offers a 1.25% cashback bonus on spending that is not covered these categories. The drawback in the fine print is that you'll need to spend at least $6,500 on this card every year, before you qualify for the above perks.