You can easily compare credit cards side by side by following these steps:

1. Go to our Compare Credit Cards page.

2. Use the filters on the left side to limit the search to the credit cards that best match your needs.

3. Check the boxes by the card titles you want to compare

4. Click on “Compare” at the bottom of the page and you will be greeted with an intuitive side-by-side overview the selected cards.

It’s important to note from the outset that you shouldn't even consider opening a cash back card, or any type of rewards credit card for that matter, if you don't pay your bill in full every month, as minimizing finance charges should be your primary focus. With that being said, your goal in comparing cash back credit cards is to find the single card that will be most lucrative in light of your individual spending habits. To this end, ask yourself the following questions each time you evaluate cash back credit card offers:

1. What is the cash back earning rate for my biggest spending categories?
2. What is the cash back rate across all purchases?
3. Are any of the cash back pitfalls touched on above part of this credit card offer?

The best way to go about Chase credit card comparison is through here.

Simply start by applying filters from the left side of the page to narrow down your search. This will allow you to focus on comparing credit cards with high approval odds that actually offer the features you want.

“Too many” credit cards could be anywhere from 2 to 5 or more, depending on the individual. Everyone should have at least 1 credit card for credit-building purposes, even if they don’t use it to make purchases. But it’s hard to say exactly how many credit cards is too many because the number of cards you should have differs from person to person. It depends on how well you can manage 1 credit card, then 2, and so on.

So while 3 credit cards could be too many for one person, someone else might be able to comfortably manage 6. The average adult has 4 credit cards, according to a 2020 Experian report.

If you’re not sure how many credit cards is too many for you, there are a number of factors you can think about when making your decision. In particular, consider your recent spending and payment history. If you’re having trouble paying the full statement balance by the due date on each account you already have open, think twice about applying for another credit card account.

Here's how to determine how many credit cards is too many for you:

1. Look at your credit report and score. If you have a history of financial mistakes, such as missed payments, you probably don’t want to get more than one card until you prove yourself to be a responsible borrower. Besides, it may be hard to get more than one worthwhile cards with damaged credit, anyway.
2. Review your utilization and payment history. If you’re maxing out all the cards you have, credit card companies probably won’t want to give you more spending power. Plus, credit card debt can be very expensive, and you don’t want to rack up balances that exceed what you can repay comfortably.
3. What does the credit card company think? Some issuers have unofficial rules regarding how many credit cards is too many for an applicant to have. If you have too many cards – either overall, or with that specific card issuer – they may deny your application. There are lots of rumors floating around that Chase will deny a credit card application if you have too many credit cards, for example.
4. Determine how well you’re keeping track of your credit cards. Even if your credit is good and you’ve never forgotten to pay a bill, that doesn’t mean you never will. Having too many open accounts to keep track of can lead to forgotten due dates, interest charges from simply forgetting to pay a credit card in full, and other issues. If you have trouble listing your credit cards from memory, you’re likely to forget to pay one at some point.

There are benefits to having more than one credit card account. Having several credit cards can help you save money by allowing you to get the best collection of rates and rewards for your biggest transactions. For example, you could get a flat-rate cash back credit card for everyday expenses, a bonus rewards card for travel, and a balance transfer card to reduce the cost of existing debt. Having multiple cards can also help your credit score if you keep your utilization low and your payments on time.

What you should watch out for is applying for too many credit cards too quickly. It’s best to not apply for more than one or two per year, as each application puts a hard inquiry on your credit report and temporarily hurts your credit score.

The more data that’s at your disposal, the easier it will be to decide how many credit cards you should have. WalletHub can help with free daily credit score updates and personalized credit-improvement advice.

The best home improvement credit card is the Capital One Quicksilver Cash Rewards Credit Card because it offers an introductory APR of 0% for 15 months on purchases and gives 1.5% cash back on purchases. Capital One Quicksilver also offers a $200 bonus for spending $500 in the first 3 months. By using this card for home improvements, you’ll have over a year to pay back a costly project and will recoup some of the expense through rewards.

If you’re looking to buy everything in one place, the best home improvement store credit cards are the Lowe's Store Card (5% back on all purchases) and the Home Depot® Credit Card (0% deferred interest for 6-12 months). 

If you choose to go with a store-branded home improvement credit card, beware of deferred interest. While it might let you go a long time without paying interest, it’s dangerous. You only owe no interest if you pay in full by the end of the 0% APR period. If you don’t pay in full, you owe all the interest you would have been charged during the intro period if the regular APR had been in place. 

Cards like Quicksilver, which have true 0% APRs, only charge interest on any remaining balance after the 0% APR ends. 

Applying for a credit card does hurt your credit score, but your score should only drop a few points and rebound within 3-6 months if you use your credit card responsibly. The longest the hard inquiry from a credit card application can affect your score is 12 months. After that point, it will still be visible on your credit report for another year but will have no influence on your score.

Pretty much any time you apply for new credit, whether it’s a bank loan or a credit card, the lender does a hard inquiry into your credit history. The inquiry stays on your credit report for two years, but the more responsible you are as a borrower, the sooner your score will turn around. If there are numerous hard inquiries added to your report in a short period of time, however, the damage will be greater and last longer than it would otherwise.

You can see exactly how much applying for a credit card is likely to hurt your credit score by trying out WalletHub’s free credit score simulator. Just remember that even though applying for a credit card may hurt your credit score, that shouldn’t necessarily stop you from doing it. There are ways to minimize the damage and make sure that a temporarily hurt credit score doesn’t actually hurt your wallet, which you can learn more about below.

How applying for a credit card affects your credit score:

• Applying for a credit card usually causes your credit score to drop by a few points for 3-6 months.
• Nearly all credit card applications result in a hard credit inquiry, which can affect your credit score for 12 months and stay on your credit report for up to 2 years.
• Applying for numerous credit cards in a short period of time will hurt your credit score more than a single application.
• The fewer credit accounts you have and the shorter your credit history is, the more a hard inquiry will affect your score.
• Applying for credit can hurt your score whether you get approved or denied.
• Some secured credit cards don’t check your credit when you apply, which means there is no hard inquiry. But your credit score may still dip slightly after opening an account, as new cardholders need to demonstrate they can manage the added responsibility.
• Temporary credit score damage from a credit card application does not have to cost you money. Just wait until your score recovers before using it again for something important – like applying for a mortgage or auto loan.
• Your credit score will recover faster from a credit card application if you pay all your bills on time and keep your balances well below your credit limits on your credit card accounts.

While applying for a credit card does hurt your credit score in most cases, it’s usually not enough of a drop to worry about. Using your new card responsibly should help your score recover quickly and then go higher than it was before. You just don’t want to apply for several new cards at once or risk a hard inquiry right before an important loan application.

You can monitor how applying for a new credit card ends up affecting your credit score by signing up for a free WalletHub account and getting free daily credit score updates. You’ll also get personalized recommendations for the best credit cards to apply for.

The best credit card for instant approval and use is the Blue Cash Everyday® Card from American Express. Applicants who get approved instantly for this credit card when they apply online will be able to get the card number immediately and start using the card to make purchases just a few minutes after they’ve applied.

Specifically, you’ll have a short period of time to write down your card information once you’re approved for this credit card. People who miss this window of opportunity will need to wait until they get the card in the mail.

The Amex Blue Cash Everyday card offers solid ongoing rewards of 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits. It also has a $0 annual fee and requires a minimum of good credit for approval.

Best Instant Credit Cards for Approval and Use

• Blue Cash Everyday® Card from American Express: Best Overall
• The Platinum Card® from American Express: Best for Luxury Perks
• Blue Cash Preferred® Card from American Express: Best for Cash Back
• American Express® Gold Card: Best for Dining Purchases
• JetBlue Card: Best for No Annual Fee
• Southwest Rapid Rewards® Plus Credit Card: Best Airline Card

Instant approval is always possible when you apply for a credit card online or in person, but instant use is rare. Some credit card issuers don’t offer any instant use credit cards. Others have only a few. Each issuer has their own restrictions for when you can get instant use, too.

Instant Credit Card Approval and Use by Issuer

If you’re not able to get a credit card number for immediate use, don’t worry. Credit cards usually only take 7-10 business days to arrive after you’re approved. And many credit card companies provide expedited delivery for a small fee, or sometimes even for free.

A credit card is about 3.375 inches long and 2.125 inches wide. You won’t find cards that deviate from these internationally accepted standards, so your card should easily fit in any wallet. A credit card has a thickness of 0.03 inches and a weight of about 5 grams if it’s plastic and up to 28 grams if it’s metal.

But there are a number of non-literal ways you could answer this question, too.  It’s good to know how long a credit card number is, for example, along with how long it takes to get a card, how long billing cycles last and how long a card is valid for. So we’ll do our best to address all the biggies.

Here’s how long a credit card is (in many ways):

• How long is a credit card in inches? Approximately 3.375 inches long.
• How long is a credit card number? Usually 16 digits but can be as few as 14 and as many as 19.
• How long does it take to get approved for a credit card? After you submit your application, you can get a response as soon as instantly, but it might take up to a month in some cases.
• How long does it take to get a credit card by mail? Typically 7-10 business days after approval, but many issuers let you pay for expedited delivery. 
• How long is a credit card billing cycle? Around a month, but usually ranging from 25-31 days. You can see where your cycle starts and ends on your statement.
• How long is a credit card valid for?Through the end of the month in the expiration date listed on the card.  

Credit cards aren’t too long in a physical sense, but they can take a while for approval, delivery and credit building. If you want advice on the best credit card for you, join WalletHub for free to get personalized credit card recommendations, along with daily updates to your credit report and score. 

Credit cards work based on a buy-now-pay-later arrangement with the cardholder, with fees and interest supporting the cost of lending. When you use a credit card to make a purchase, you’re borrowing money from the credit card’s issuer to complete the transaction, and then repaying the amount at the end of the billing cycle, either in part or in full. By paying the bill in full each month, you’re essentially borrowing money for free, because you will be avoiding interest charges. If you can’t pay your balance in full, at least make the minimum payment required by the due date. Interest will be applied to the remaining balance, but you won’t damage your credit score.

Credit cards also work for transactions other than purchases, including balance transfers and cash advances, which have the potential to be even more profitable for issuers. Balance transfers give people the chance to repay existing debt with a lower interest rate, for a fee – usually 3% to 5% of the transferred amount. Cash advances let you withdraw cash from your credit line, but a high fee and interest rate apply right away.

How Credit Cards Work:

• Credit cards allow users to buy now and pay later, even over the course of months.
• Credit cards enable cardholders to build credit, unlike debit cards.
• Some credit cards reward cardholders for making purchases. Some cards charge annual membership fees.
• If cardholders don’t pay their full balance by the due date each month, interest charges are added to the balance each day.
• Credit card approval depends on an applicant’s overall creditworthiness. Credit history, income and debt obligations are important factors.

How Credit Card Rewards Work

Many credit cards reward cardholders with cash back, points or miles for every purchase made. Plus, the best credit cards often come with signup bonuses that cardholders can earn after meeting a minimum spending requirement in the first few months. Some credit cards offer low introductory interest rates, too.

This isn’t charity, though. Credit cards offer short-term borrowing and give rewards because it’s profitable for credit card issuers. If a cardholder decides to pay off a credit card balance over time, they’ll have to pay interest. And if they have the chance to earn rewards, they’re likely to spend more than they would otherwise.

Building Credit with Credit Cards

Generally, the credit cards with the best rewards, rates, and benefits go to people with high credit scores, a lot of income, and little-to-no debt. But if you’re new to credit, credit cards are the best credit-building tools around. As long as you use the card responsibly and pay the bill on time every month, or never make purchases with the card at all, the issuer will report positive information to the credit bureaus each month. Plus, it’s very easy for someone with no credit to get a credit card, especially a secured card where your credit limit is based on how much you put down as a security deposit.

Learn More About How Credit Cards Work

Now you know how credit cards work, in a nutshell. That said, many of the finer details of credit cards – including all the types of credit cards available and how credit card interest works – don’t exactly fit in a nutshell. That doesn’t make them any less important to learn about, however, especially if you’re considering getting a credit card for the first time.

The Fuze Card is an electronic device that looks and functions like an actual credit card but is more of an accessory. You can load the card numbers, expiration dates and security codes of up to 30 credit cards, debit cards, gift cards, etc., onto it in order to free up space in your wallet. It remotely connects to your phone, so you can wipe your data if it’s stolen or you lose it. It’s fairly expensive, though. A Fuze Card will cost you $180 after shipping and tax. 

Here’s how the Fuze card works:

• You can order it online from the Fuze shop. 
• You manage the card with an app downloaded to your phone. 
• In app, you’ll have the ability to take pictures of most types of payment and membership cards – credit cards, debit cards, gift cards, store rewards cards and even things like gym membership IDs. This will load their relevant info – numbers, expiration dates, and security codes for credit cards – onto your phone.
• You can also swipe your cards in with a phone attachment, but that costs an extra $10. 
  
• To use your Fuze Card, press the power button and connect to your phone via Bluetooth to load the data you’ve added to the app. 
• When paying, using the buttons on the card to select which card you want to use. Then, you can swipe Fuze, put it in a chip reader or even just tap it, depending on what type of reader the merchant has.
• You can choose your security settings in the app. The lowest one lets you use the card without being connected to your phone. The middle one only lets you use your card when connected to your phone, but you can override that with a password on the card. The highest level does not have a password override, so will only work when connected to your phone.
• You can remotely wipe your data with the app if your card is lost or stolen. 

At the end of the day, you have to ask yourself if literally lightening the load on your wallet is worth $180. Security isn’t reason enough to pay up because all credit cards give you a $0 fraud liability guarantee, anyway. And many offer some of the same features as Fuze, such as remote card management.