Credit Card Comparison Site

The following is a paid ReviewMe: is a credit card comparison site that I was recently asked to review.  I’m actually in the market for a new credit card, so I decided to take this site for a test drive.  I haven’t shopped for credit cards in over two years, so I expect that there are some new and interesting products out there on the market now.  I do not carry a credit card balance, but I do enjoy using credit cards for routine purchases while also earning rewards.

The main features of this site that I noticed immediately include the credit card directories that you can browse by issuer or by type of card.  I was surprised to see that only nine issuers are listed.  However, the list does include most of the main card issuers.  Some of the large card issuers that I did not find in the directory listing include Capital One (NYSE: COF) and National City (NYSE: NCC).

The directory also lists card by types. The listing by card types includes:

  • Airline Credit Cards
  • Balance Transfer Cards
  • Business Credit Cards
  • Cash Back Credit Cards
  • Credit Cards for Bad Credit
  • Instant Approval Cards
  • Low Interest Cards
  • Prepaid Debit Cards
  • Reward Credit Cards
  • Student Credit Cards

I’m mainly interested in cash back cards and reward cards since I don’t carry a balance.  However, I also was curious about prepaid debit cards.  I can see the security advantages of prepaid debit cards and the potential to use them to teach kids about credit.  I noticed on that many of these prepaid debit cards allow direct deposit and the other great thing about them is that they have a great online credit card processing . However, I also noticed that many of the prepaid debit cards also had annual fees. I guess they have to make money somehow. Debit and credit cards are mainly used for online transactions or for other virtual payment gateways. These portals are not allowed to save any information about the cvvs number of the cardholder since it is against the Per Payment Card Industry Data Security Standards.

Each credit card provides a table that displays the following information:

  • Intro APR
  • Intro APR Period
  • Regular APR
  • Annual Fee
  • Balance Transfers
  • Credit Needed

I wish also provided the length of the payment grace period and late fees for each card.  I recommend that at least these two pieces of information should also be reviewed before picking a credit card. also includes an extensive list of resources on credit cards.  I was impressed with the length of the FAQ section and the credit guide is also very extensive.  In addition, there is the option to sign up for a newsletter, but that page does not indicate how often the email newletter is sent.  Finally, there is a page where you can share your experience with your credit cards.  However, only one review is posted there at this time.

My main concern with using a credit card directory like this one is actually clicking on a credit card offer link.  I am worried about security when actually clicking a link to apply to a credit card.  You never really know where a link will actually redirect you. Therefore, I would either type in the URL for the actual bank or do a Google search for the bank’s name and card offer to insure I’m not getting redirected to a fake site.

I believe that is planning to earn money with the affiliate links on their site, so they might lose out on revenue from people like me who shy away from providing personal information on sites I arrive to via clicking on a link. does not provide  any third party verification such as BBBOnLine or VeriSign (Nasdaq: VRSN) that could make me feel a bit more comfortable actually trusting their links.  In addition, there is no information on who runs  I recommend they provide their business name, address and phone number on their About page.

While the card directory is interesting to browse, I feel that several improvements are needed before this site can really be a good resource. has a clean and attractive layout and looks fairly young. If this site invests a bit more in building its reputation and is able to differentiate itself, then it might have a good future.

5 thoughts on “Credit Card Comparison Site

  • May 31, 2007 at 11:23 pm

    I would avoid cards provided by HSBC, based on personal experience, as it took me several months to get HSBC to remove 5 charges for various Indian airlines. It was a card that I almost never used and will never use again. My brother had a problem as well with HSBC, when they credited my account for a payment he made to his card, and it took him almost 1 year to get the late fees and interest removed.

  • June 1, 2007 at 6:04 am

    The variety of credit cards is amazing. Before selecting a credit card, ask yourself what do you need credit card for. If you are an active traveller or business man, frequent flier credit cards are right for you, etc. Choose a credit card that satisfies your need and credit score.

  • June 5, 2007 at 5:43 am

    Sites with credit cards can be convenient beacause they present charts for comparison. I have chosen all my credit cards with the help of such sites.

  • July 9, 2007 at 9:01 pm

    Thanks for this information. I was looking for a comparison sites for credit cards and this information really helps me.



  • July 14, 2007 at 12:43 am

    I personally feel Amex is the best card to go with. You must pay the balance in full each month until you earn the privilege for payments. This will teach you not to run balances which is where you will lose real money.

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