An independent credit card resource built on a simple idea — that plain-English, honest financial information should be free and accessible to everyone.
No card issuer pays us to recommend their product. Our rankings reflect honest research — nothing else.
Financial jargon exists to confuse. We translate every concept into clear, straightforward language.
Credit card offers change constantly. We review our guides and comparisons every month.
Our calculator is built to give you real answers — not to push you towards any particular card.
Credit cards are one of the most widely used financial products in the US — and one of the most misunderstood. Billions of dollars in unnecessary interest are paid every year by people who simply didn't have access to clear, honest information at the right moment.
Most credit card comparison sites are dominated by large financial publishers whose recommendations are shaped — at least in part — by the commission they earn when you click "Apply Now." That's not a criticism — it's just the economics of the industry. But it means the information you find isn't always written with your best interests at the centre.
We built MyCardRates.com to be different. Smaller, more focused, and genuinely independent. Every guide is written to help you make a better decision — not to steer you towards the card that pays us the most.
MyCardRates.com focuses exclusively on credit cards for US consumers. We cover the full spectrum — from premium rewards cards for frequent travellers to secured cards for people rebuilding their credit from scratch. Our content is organised around the questions real people actually ask:
Which card gives the best rewards for my spending? How do I move high-interest debt without paying a fortune? What's the best card if my credit score isn't great? How does interest actually work, and how much is my current card really costing me?
Our free credit card payoff calculator is built around that last question — because understanding the true cost of carrying a balance is often the most important step towards getting out of debt.
We're transparent about this. MyCardRates.com is supported by advertising through Google AdSense. Adverts are served automatically by Google and do not influence our editorial content or card recommendations in any way.
In future, we may earn referral commissions if you apply for a credit card through links on our site. When that happens, it will be clearly disclosed on the relevant page. Any affiliate relationships will never influence our rankings or recommendations — we will only link to products we would genuinely recommend regardless of commission.
For full details, see our Disclaimer.
MyCardRates.com is an independent publishing project operated by an individual publisher based in the United Kingdom, writing for a US audience. We are not a bank, a credit card issuer, a regulated financial adviser, or affiliated with any financial institution.
We are a small, independent site that believes good financial information — written clearly and honestly — can make a real difference to people's financial lives.
We read every message. If you spot an error, have a question, or just want to say hello — we'd love to hear from you.