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Transaction Fees

Annual Fee: Not all credit cards have an annual fee. You can expect an annual fee on most secured credit cards, some premium credit cards, charge cards, and subprime credit cards.

The amount of the annual fee varies. It can be as low as $0 or as high as $500, depending on the credit card.

Regular Purchase APR: This is the amount of interest that the issuer will add to the balance on revolving debt, known as the annual percentage rate. Please be aware that they can fluctuate; they can shift from as low as 10% to as high as 35% based on your creditworthiness. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions.

Intro Purchase APR: There are several low-interest credit cards offering 0% intro purchase APR. A 0% intro APR offer means that you won’t have to pay interest on your purchases for a specific time period. Depending on the credit card offer, the 0% intro APR can last anywhere from six months to over a year, then the regular purchase APR applies. 

Balance Transfer Fee: A balance transfer is when you pay off the balances on existing credit cards or loans by transferring them to another credit card account. You usually will pay a fee of 3% to 5% of the amount you plan to transfer. For example, if your balance is $5,000, a 3% fee would cost you $150.

Regular Balance Transfer APR: The best balance transfer rates could be offered by credit card companies to new cardmembers, and usually are 0% or low APR offers for an introductory time period. After that -- often six months to a year or occasionally more, the interest rate will increase to its regular rate(often 10%-30%).

Cash Advance Fee: For cash advances, most companies charge a flat fee($5-$15) or percentage of the transaction(3%-5%) – whichever is greater. For example, a typical cash advance fee is the greater of $10 or 5%. So, if you take out a cash advance of $100 under these terms, your cash advance fee would be $10 since 5% of $100 is only $5. On the other hand, if you take out a cash advance of $500, your cash advance fee would be $25.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

Overview

Are you in need of a credit card? Are you worried that your limited/bad credit score could prevent this from happening? Alternatively, are you concerned that your average credit rating score means that you will not receive the best credit cards available on today's market? Well, if you have any of these worries, TheCreditWiki are happy to help.How do we do this? We have accumulated and rated popular credit cards using our unbiased criteria. This criterion includes features, rewards, expenses and financing costs.

Choosing a Card

We understand the components required when it comes to choosing the right credit card for you, to ensure that it precisely fits your budget and lifestyles. If you decide to use our help when you are selecting the 'right' credit card for you, we will ensure that you will receive the best possible deals.Selecting a credit card has never been easier. We strive to provide understandable information, rather than jargon to ensure that you will always know what to expect from each credit card offer. We will make you aware of the banks that secure the credit cards and will ensure that you do encounter any hidden costs or "surprises" which might jeopardize your financial progress.

Credit History

TheCreditWiki can help you regardless of your credit history. It doesn't matter if you have average, bad or limited credit at all we can find a solution for your needs. Please utilize our comprehensive know-how about the credit card industry to your advantage. We will advise you on whether or not specific credit cards will have annual fees, and what you need to expect when you are accepted. We will supply an outline of the regular purchase APR clearly, as well as providing you with the 'scoop' on the up-to-the-minute reward types and rates.

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