Students

Students new to credit cards must learn about interest rates, balances, credit scores and more. Start here to explore the world of credit cards and learn more about smart credit use.

Business Cards

Business Cards offer business owners a great way to manage employee purchases and finance short term purchases. Learn more about interest rates, grace periods, and more.

Cash Back
Cash back credit cards are credit cards that offer you a certain amount of cash back for the money you spend. In some cases, the card may offer a flat rate of cash back for all purchases, such as 1 percent. However, some cash back credit cards have certain categories that earn more cash back, such as gasoline purchases or purchases at specific types of retailers. The categories that earn higher amounts of cash back may also rotate on a quarterly basis.
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Rewards
Rewards credit cards are similar to cash back cards in that they reward you for the money you spend. However, with a rewards credit card, you typically earn rewards points instead of cash. Once you have a certain number of points, you can trade them in for different types of rewards, such as merchandise, travel purchases or statement credits. The amount of rewards earned for each dollar spent varies by card.
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Travel
Travel credit cards are designed for consumers who travel on a regular basis. Like the cards in the two previous categories, travel credit cards reward you for the money you spend. However, instead of providing you with cash backs or generic points, travel cards usually reward you with points that can be used toward travel-related purchases. In many cases, travel credit cards will also provide you with a higher number of points per dollar spent on travel, as opposed to other types of expenses.
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Business Cards
Business credit cards are credit cards that are designed especially for business customers. They often have higher limits than consumer credit cards. They may also offer points or cash back for spending, sign on bonuses and other perks. In many cases, business card holders will enjoy a higher percentage of cash back when they make business-related purchases, such as business utilities and office supplies.
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Student
Student credit cards are credit cards designed for college students. Because college students usually have shorter credit histories and lower credit scores than other borrowers, student credit cards have less stringent approval requirements. In many cases, these cards will offer some of the same benefits as other types of credit cards, such as cash back. Responsible college students can use these credit cards to build their credit history, as long as all payments are made on time.
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Low Interest

Low interest credit cards are credit cards that offer a lower amount of interest than other credit cards on the market. These cards often offer a zero percent interest rate during an introductory period, followed by a standard interest rate after the period's expiration. With this type of card, you will not pay any interest on purchases you make during the introductory period, as long as you pay them off before the period expires. Once the introductory period has expired, your balance will begin accruing interest based on the card's standard rate.

Other cards that fall under the low interest category are those that simply offer a lower-than-average interest rate overall. In most cases, these cards are available only to consumers with higher credit scores. However, they can provide significant savings over other types of cards.
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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. ThinkWallet.com is not a lender or lending partner and does not make loan or credit decisions. ThinkWallet.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. ThinkWallet.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. ThinkWallet.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, ThinkWallet.com’s service is always free to you.

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Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.