Find a credit card.

Did you know that credit is older than money itself? It’s true. Back in the Bronze Age, before even silver and gold became common currency, farmers would borrow seeds or livestock from merchants and pay them back with crops or meat from their harvest, including interest.

According to a study in December 2019 by the Federal Reserve, Americans still continue to use debit cards nearly twice as often as credit cards, but the total value of purchases utilizing credit cards exceeded debit cards by nearly 30%. What’s the difference between making payments with a debit card versus payments with a credit card? It depends on what you value most!

When consumers are considering their next credit card, one thing that usually sticks out like a sore thumb is the annual fee. They may ask themselves, why do I have to pay this? Or, what’s the difference between a card with an annual fee and a card without one?