Why do You Need to Compare Credit Cards?

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Credit Card Applications » Research » Guides » Cardholder Benefits » Why do You Need to Compare Credit Cards?

Why do You Need to Compare Credit Cards?


Updated: June 30, 2017

The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

As you surf the net for a new credit card, you will encounter a vast array of them with their fancy offers. You might find yourself looking at cards that could work for you. You begin to compare credit cards that you could potentially use. What sort of criteria should you base your decision on then? Should you go for the cards offering cashback with 0% APR for 6 months? Or, should you go for the cards with air miles? How about the card offering 0% APR for 12 months and with an annual fee?

Considering the many features being offered by credit cards, it is necessary to seek a strategy to choosing what is best for you. Some people tend to choose the best brand available to them ¨C meaning, they would let the company's reputation choose their card for them. To some extent, this can be the right move for you. However, there just might be some brands that are made for everyone BUT you. You then must learn to look for the card that YOU yourself can use. The best way to do this is choose 2 to 4 brands and then choose teh best one. This way, you can learn their advantages and disadvantages ¨C and in the process, point out what is hip for you.

Let us say you compare credit cards: The Citi Platinum Select MasterCard (this offer has expired) and Capital One No Hassle Miles Rewards, to be more specific. As you look at the two cards, you find out that both of them declare that they do not have annual fees. The two also claim they will not be collecting interests for a period of time. Then, you look further and you eventually find variations between the two. You then realize that Capital One offers more on miles and travelling benefits, allowing you to save on travelling expenses as you keep using the card. But as you check Citi card, there is a great chance that the discounts that it offers at different shops would also allow you to save on the daily expenses. As you go along the list of benefits, you might find it enticing to choose one, or maybe choose both, or maybe even choose none of the two.

As a conclusion, if you compare credit cards, there is a great chance that you would actually end up choosing the most adequate card for you. This is because you would explore facts rather than rest upon knowing the superficial nature of the cards. In essence, you have the power to personalize the cards themselves.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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