The following is a review, written by my wife, of one of the few credit card comparison sites that seems to have been created with the consumer in mind. This represents her real opinion, and not just some positive words that we were paid to write…
Card Hub’s credit card comparison allows the consumer to make an informed decision about the credit card that suits his or her needs. Instead of responding to the first ‘pre-approved’ offer that comes in the mail, or relying on your bank to give you their best presentation, this website accommodates your specific requirements for the card for which you want to apply.
I was impressed by the parameters with which the website searches for cards. Some areas in which you are able to narrow your search for cards are: based on your level of credit, a specific type of offer (e.g. 0% balance transfer, gas rewards), specific bank networks (such as Visa or MasterCard), and various other credit card benefits.
Each card that is recommended provides its purchase or transfer annual percentage rate (APR), monthly or annual fees, the current APR, and any rewards that come with the card.
While specific, the website at NO time asks for your personal information. Once you make a decision, you are then transferred to that bank’s website to apply for the card. According to the website, advertising, and a stipend from the consumer clicking on an ‘Apply Now’ button on the site, are the ways that cardhub.com generates income.
If you are not sure about your exact needs, the website offers a Credit Card Advisor which will give you card options based on your answers to a few simple questions. The site also offers a Free Credit Check estimate. Since you are not providing personal information, they gauge the estimated credit standing based on your answers to the questions, the same questions used for their Credit Card Advisor function.
There are also various calculators which allow you to forecast your interest, fees, monthly payments, amount needed to pay off a card, and other options.
Along with these offerings, the tools and advice tabs gives a lot of useful information, advice, and data regarding credit and credit card usage that is definitely worth perusing.
The site also gives you a list of prepaid cards to consider, which offers the same information as the credit card section.
Cardhub.com also has a section for gift cards. Like the credit card area, the main gift card section gives you many parameters to narrow your search, and you are directed to the seller’s website to complete your purchase. The search function is not only useful in regards to finding a specific card, but it also allows you to choose different countries for your needs.
There is also a social gift card exchange tab which allows you to purchase gift cards at significant savings, or you can sell gift cards in the neighboring tab as well.
The most notable thing about the website is its ease of use. The navigation was straightforward, and I was always able to find what I was looking for without wasting much time.
I will definitely visit this site again should any credit or gift card needs arise. I like seeing my options in one place, with clear information, and not a lot of hoops to go through.