Garrett Yarbrough

If you're paying for a large purchase with a credit card, use a card with a low APR or a generous rewards system.

To process a credit card application, issuers do a hard inquiry on your credit, which does have a temporary effect on your credit score.

Credit card forbearance programs provide temporary relief during financial hardship, but it is important to weigh the pros and cons before opting in.

A credit card security code is a three- or four-digit number that's printed on the card and that helps protect against fraud.

"Online shopping" may be the most slept-on credit card bonus category, but it holds surprising value potential. See why in our expert take.

The Prime Visa is a top option at Amazon and Whole Foods, but the Bank of America Customized Cash is better for a variety of online and grocery retailers.

Merchant category codes can help consumers earn more with rewards credit cards.

Bankrate's experts compare hundreds of the best credit cards and credit card offers to select the best in cash back, rewards, travel, business, 0% APR, balance transfer and more. Let Bankrate, a leader in personal finance advice, help you find the best credit card today.

The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top choices available from our partners.

If you have an eligible Chase credit card, the Shop Through Chase program can help you to earn more rewards through limited-time offers at participating retailers.