What is CardOffers.com?

CardOffers.com is the definitive Credit Card Directory of credit card reviews, credit card knowledge, as well as information on credit card perks, benefits and more. You can use CardOffers.com to find the perfect credit card for you (and then apply for it) or simply as a reference on how to use your credit (and card) wisely, how to take maximum advantage of the credit cards you already have, or even to compare credit cards you're interested in applying for.

CardOffers.com features a huge selection of credit card offers in all credit card genres: cash rewards, travel and airline rewards, business credit cards, gas and merchant rewards, even secured credit cards and prepaid debit cards for consumers with imperfect credit or simply those who don't want to open a line of credit.

Where do all these credit card offers come from?

CardOffers.com is a credit card aggregator site, amongst many other things. This means that unlike some sites where only a single merchant or credit card issuer is represented, we enjoy the unique advantage of having relationships with many different merchants, issuers, and credit card purveyors. Some you've heard of, some you probably haven't.

This wide variety of credit cards offers CardOffers.com visitors the chance to really see what kinds of credit card deals are out there waiting for them not just the ones that their bank offers them or that they receive in the mail. Our visitors have the ability to compare credit cards, browse credit cards, and search credit cards - so they find the credit card offer that truly fits their needs and budget.

How do I find the right credit card for me?

There are a variety of ways to use CardOffers.com to find the ideal credit card for you. First, there's an easy-to-use search feature right on our CardOffers.com home page. You can designate whether you're a college student, business owner, or just an informed, discerning consumer looking for the right credit card offer.

Next you can designate a type of reward program you'd like to participate in with your new, prospective credit card membership, if any. There are many, many types of credit card rewards programs out there for you to choose from! You can even designate your credit rating if you desire, or simply peruse from an aggregate list based on as much (or as little) personal preferences as you wish to input.

What is a Credit Card Rewards Program?

Basically, a credit card rewards program is a customer loyalty program where a credit card member accrues rewards through the credit card rewards program, which can then be redeemed for prizes, perks, and more. The details of a credit card rewards program varies greatly from one credit card to another, one credit card issuer to another, and even one credit card type to another (Visa, MasterCard, etc.).

How do I earn Credit Card Rewards?

Credit card rewards programs accrue rewards in different ways, for different card holder actions. The first thing you'll need to do is submit an application to (and be approved for) a credit card that features a rewards program for cardholders. Then, peruse the credit card reward program's rules - in the credit card industry, both the rules for reward programs and the credit card itself is referred to as the "terms and conditions."

Once you know how to earn rewards, all you've got to do is begin using your credit card in a manner that accrues rewards for you in accordance to the rules of your credit card agreement. You can earn rewards through all manner of credit card transactions: purchases, balance transfers, cash advances, etc.

Some credit card rewards programs earn you rewards for the anniversary of your sign up date, annual spending, and even the first time you use your card. Some offers even give you rewards when you redeem previously-accrued rewards - the possibilities are virtually endless.

How do I figure out which credit card rewards program to choose?

That's simple - you use CardOffers.com! That's what we're here to do: compare credit card offers (as well as their rewards programs) and break them down in painstaking detail. You can browse our site by card category, card issuer, or type of credit card rewards program. Once you've found a credit card offer that piques your interest, just click on the card name, or the "See Details" button.

Once you've navigated to a particular credit card offer's landing page, you'll be presented with loads of pertinent information about that particular credit card. You'll have access to the interest rate information, annual fee information (if any), as well as the premium features of the card offer itself and even the card's overall rating, courtesy of our proprietary credit card rating algorithm. Most importantly, you'll have access to our unrivaled credit card reviews.

What are the Editor Reviews?

The credit card offer reviews are written by our knowledgeable credit card editors. These credit card reviews break down the features, facets, perks and privileges that are offered within each and every credit card on our site. These reviews will detail almost every facet of the credit card offer which you're interested in.

Everything from the annual fee details to the perks, privileges and security protections offered to you by that credit card issuer. You'll have everything you need to make an informed decision about your next credit card - you can even compare credit card offers. In the reviews, any/all applicable credit card rewards program information available to card applicants will be intricately explained - if a rewards program applies.

You can then decide whether you'd rather earn more rewards for everyday purchases you make, or whether you want to earn more rewards for shopping within specific spending categories, or if you'd rather simply forgo credit card rewards entirely and apply for a credit card that concentrates on a different aspect of credit card ownership that's more important to you as a unique, individual consumer. The more credit card reviews you read before applying, the better informed your decision will be!