Someone should create a website that compares various credit cards comparison sites. As I've written before, there are a lot of credit card comparison sites out there, like BillShrink and CreditCards.com (which I've written various articles for, in the full disclosure department), and I don't purport to know which is the best one. I just know that there's yet another new credit card comparison site on the block: CardHub.
One of their testimonials refers to them as the Google for credit cards. That's probably because have a pretty nifty search engine that allows people to narrow down their preferences to pinpoint what they're looking for in a card.
Have excellent credit? There are 9 pages of credit cards for you to look at, although you'll narrow it down considerably if you click on things like "rewards" and "intro rate for balance transfers."
Have lousy credit? Then you have fewer options. Currently, there are five secured credit cards (at least that CardHub displays) that may fit what you're looking for, and 3 unsecured.
Of the unsecured credit cards that pop up, well, good grief, and, yes, I realize with unsecured credit cards, it's not going to be a great deal, but sheesh... You can sign up for a Centennial Gold MasterCard from First Premier Bank and pay $132 in annual fees and a one-time set up fee of $124. Hey, kids, go into debt before you go into debt! Its interest rate, though is 9.9%, far better than the Continental Finance Mastercard, which has an interest rate of (merciful heavens) 19.92%.
Arguably the best thing about many of these credit card comparison sites is that they offer plenty of articles and information about the perils of plastic. CardHub, for instance, has an education center where, if you take what you learn to heart, you'll hopefully learn enough to hopefully avoid falling into debt in the first place.
Geoff Williams is a freelance journalist and the author of C. C. Pyle's Amazing Foot Race: The True Story of the 1928 Coast-to-Coast Run Across America (Rodale).