If you’re like most people, you’ve probably held on to your current credit card for at least a couple of years now. We are all bombarded daily from credit card companies with ads on the internet, TV and print publications looking to woo us with their latest enticing offer.

Because of the variety of cards out there with a myriad of benefits- everything from points on travel and dining to cash back, the choices seem amazingly complex. After awhile, simple inertia sets in to the average person and he finds it easier to do nothing about seeking out a new card, rather than try to make sense out of all the other cards out there. In the end, that may have cost him pretty dearly in interest charges, fees, and not least of all, rewards.

Can’t somebody find a way to make comparing credit card offers side-by-side easy so we don’t have to agonize over whether we have made the best financial decision with the card we have decided to go with? Well now somebody finally has. There are now websites that have launched that make it easy to compare cards whether you are a student, a businessperson, or just a regular consumer. One of the sites we have discovered is called cardsmix.com. Not only does it make it simple to compare benefits, you can actually sign-up for the card you select right on the site itself! Where were these sites a couple years ago? I was pulling my hair out trying to figure out if I should dump my current card because my friend told me about the great card he just got.

When you navigate to these sites, you’ll learn quite a bit about credit- things you probably didn’t know before. You’ll see that credit card companies divide people up by their credit scores, offering accompanying benefits commensurate with those scores. You’ll see that there are cards that cater to students and businesses that aren’t available to the general public. You’ll see that cards have different spending limits, and that the higher limit cards are limited to those with the best credit. You can even apply for department store credit cards on the sites, like Macy’s or Best Buy.

You simply figure out which category you are in- bad credit, excellent credit, fair credit, good credit, or no credit. Then, the sites show you all the different cards you can qualify for and the benefits they offer. Do you have good credit and do you like to travel alot? The sites will show you the cards that offer the best travel rewards. Do you like to eat out at restaurants and don’t really have the opportunity to travel that much? Then the sites can show you the best cards that offer points back when you use them for dining.

Related: Many Americans Continue to Struggle with Credit

The nice thing about the cardsmix.com site is that it gives you several different parameters to search by- type of card, rewards, credit score, etc. You can simply select the reward(s) you’re interested in, the credit score category you fall under, and whether you want an annual fee or not. You’re then presented with a list of cards to choose from with their offers. It shows the interest rate of the card (APR), the interest rate on balance transfers, whether that rate is waived or not for the introductory period (usually 12-21 months), and the annual fee if there is one.

These sites make comparing credit cards such a smooth, easy process that you’ll wonder why it took so long for someone to invent them. They really are like having a new financial advisor you can rely on, but in this case you don’t have to pay them!

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