How to compare credit cards: CFPB key terms (no rankings, no affiliates)
As of October 2026, how to compare credit cards: the CFPB says the APR is the standard way to compare what credit costs, so start there, then check fees and the grace period.
Updated (ET)
As of October 2026, how to compare credit cards: the CFPB says the APR is the standard way to compare what credit costs, so start there, then check fees and the grace period. This page does not rank or promote any card.
Every card must show its key terms before you apply. Compare the same terms across cards and ignore sign-up perks until the costs are clear.
| Term | What it tells you | Source |
|---|---|---|
| APR | Yearly cost of borrowing | CFPB |
| Grace period | Listed in the card’s key terms | CFPB |
| Balance transfer | Listed in the card’s key terms | CFPB |
FAQ
What is the best credit card?
What is the best credit card?
The CFPB does not rank cards; compare APR and fees for your use. (Source)
What is APR?
The standard way to compare how much credit costs. (Source)
Where do I find the key terms?
In the card’s disclosures before you apply. (Source)
Does this page earn commissions?
No. There are no affiliate links.
Where can I complain about a card?
With the CFPB. (Source)