Welcome to a human edited credit card resource and your independent source for all things credit card related.

What We Do

We strive to provide visitors with valuable information on all credit cards, which they will need in order to make an educated decision when choosing. We also research each card's interest rate, fees, credit rating required for approval, customer service phone number, links to online bill payment, and more.

Why We Are Different

This is an independently owned website; we do receive revenue from the Ads displayed on the website, but we do not use affiliate advertising, which can be much more manipulative, and the Ads on this site do not interfere with our editorials or our reviews.

We review each card honestly and thoroughly, reading through all of the fine print and pointing out any danger signs, whether it be lackluster rewards or an high interest rate. We don't try to steer visitors to any specific card, our loyalty lies with the consumers; we merely show them the facts and let them decide.

Other sites try to suggest cards based solely on higher affiliate commissions; we are not one of them!

If you come across a word you aren't sure about; read our credit card dictionary where we define most financial terms.

Thanks for visiting!


Website Updates/News

A Look Back on My First Year on Twitter

By Steven Merkel

When 2013 began, I set a goal of learning how to use Twitter and gain a better understanding of how the social website works. I started with a simple premise of making at least one tweet or retweet a day, every weekday. I was a total novice, and I first created the account for @CreditCardAssoc in late 2011. I made a couple of tweets, but left it dormant for a year before I figured out how it could be useful for my website.

The Addition of Citations

In an attempt to foster the spread of knowledge, we will be introducing citations to each of our articles and reviews in the next couple of weeks. We believe that this will not only offer our visitors a greater connectivity with other online resources, but also demonstrate how to use them.

Review Format Update

To better serve you, we are in the process of updating our review formatting for all credit, prepaid and gift cards. The reviews will be divided into four parts for our user's convenience as detailed below; and in addition, each will feature a brief description of the advantages associated with the card, and a comprehensive comparison to the other cards in its class as well as our very own rating system based on a possible five stars for easy ranking.

Financial News

Target Issues Letter to REDcard Holders Apologzing for Data Breach

Target issued letters to all REDcard holders in regards to the data breach that occurred during the 2013 holiday shopping season. The letter apologizes for any inconvenience the event caused and thanks members for being loyal customers. It then goes on to say they are working towards implementing chip-enabled smart cards and scanners that will significantly enhance data protection for cardholders and shoppers.

JCPenney Flip Flops on Gold and Platinum Status

As of October 15, 2013, JCPenney[1] has changed their stance on Gold and Platinum and officially reinstated the programs along with the new requirements for achieving them.

American Express Phases Out Email for Customer Service

By Steven Merkel

Beginning August 30th 2013, American Express will no longer be accepting Email as a form of communication for users to contact customer service. 

JCP Eliminates Privilege Gold and Platinum Cards

Written by Steven Merkel

While performing our standard information maintenance to verify everything is correct and up to date I found that JCP is changing their credit cards and removing the Privilege Gold and Platinum cards altogether.

Discover Releases New IT Card

Discover IT credit card In early January 2013 JP Morgan Chase and Co., the current issuer of both Chase and Discover cards, released their spiritual successor to the Discover More card; aptly titled the IT card.  We think they gave IT this name to subtly give people the idea that they only need one credit card for most of their purchases.