Credit Card Offers: Differentiating the Good from the Bad

How do you know which credit card offers are legit and which ones aren’t?

Finding credit card offers that aren’t going to take you for a ride can be a real headache. After all, how do you know which credit card offers are legit and which ones are scams? Deciphering one from the other can be tricky, but the good news is there are credit card offers out there that are indeed legit.

Look At the Issuer

First things first, when looking at credit card offers that seems too good to be true, look at the issuer. Is it a large, well-known bank? If so, the offer is likely to be legit. For example, if Capital One is offering you zero interest plus cash back, you know you can count on it. However, if it’s XYZ company offering you a fifty dollar gift card just for applying, you may want to think twice.

Do Web Research

As with many things, the Web can be an awesome resource for researching credit cards. There are many sites that can help you sort through the abundance of credit card offers on the web. The trick is finding the sites that are reliable. If you need help filtering through the credit card offers out there, check these websites out:

This is a great credit directory that can help you find a legitimate credit card offer that’s perfect for you.

Here is a site that lists a number of the credit card offers you should avoid at all costs.

Here is a site that lists tips for avoiding fraudulent credit card offers.