Credit cards — more than 160 million Americans have one, and chances are you use yours regularly. But who's getting the better end of the deal, you or the credit card company? CardRates.com was created with a singular goal: to educate consumers about the benefits and perils of credit cards. We work with finance experts to share valuable and research-heavy advice, new,s and reviews about the latest credit card features and deals. That's what makes us the "Ultimate Guide to Credit Cards."