
10 Credit Card Benefits That Are Often Oversold
Credit card marketing contains a lot of fluff. Pay attention to what features really matter, and ignore the stuff you’d get with any card.

Credit card marketing contains a lot of fluff. Pay attention to what features really matter, and ignore the stuff you’d get with any card.

There’s no minimum credit score that guarantees credit card approval. But NerdWallet’s real application data can help tell a clearer story, and help you know where you stand.


Vet, dental and cosmetic procedures can cost thousands. CareCredit can help make them manageable.

These solutions can help you get care today and pay over time


Wyndham’s most premium hotel credit card has a pricey annual fee, but valuable perks can easily offset the cost.

It can help you finance expensive music equipment from the store, but beyond that, don't expect much of an encore.

It can earn up to 3% back across popular everyday categories. But the limits on that rate are strict, as are the card's eligibility requirements.


Rewards categories are shifting and welcome bonuses are higher — but some annual fees are bigger, too.



The elevated offer comes on the heels of other changes to the card.

New bonus categories and additional credits make it easier to offset the card's annual fee, which didn't change.



No spreadsheets, just rewards for the stuff you spend on anyway.

The regional bank issues a handful of credit cards, most of which are intended for a highly specific consumer.

A travel credit card is typically the easiest and most direct way to earn points or miles, but you can do so without one when you put in some extra effort.