When it comes to credit card reviews sometimes less is more. What I mean by this is that all the consumer really needs in a review are the facts about the card. What they do not need is opinion and conjecture. Reviews are a fantastic way to learn about products and services… credible reviews that is.

A lot of times, and we see this constantly, companies and marketers will promote a certain product by labeling it as a review, when in reality it’s nothing more than a sales letter. It is an age old trick that I am sure you have seen a thousand times before, although you may or may not have paid that close of attention to it.

When it comes to credit card reviews, the main things to concentrate on are:

• APR – Annual Percentage Rate
• Introductory Rates
• Annual Fees
• Late Fees
• Cash Advance Fees
• Balance Transfer Fees

Some or all of these may apply but in general these are what make up your “cost of credit”. It’s the price you pay for owning your card. If rewards programs are important to you then you will also want to familiarize yourself with the terms of the program which should also be outlined in credit card reviews.Cash back and rebates are the most popular form of rewards program amongst consumers. Important points to pay attention to on cash rebate cards include:

• Expiration Dates
• Rebate Percentage (Maximum and Minimum Amounts)
• Accumulation Limits

Usually cash back cards also offer the cardholder discounts on purchases made with retailers that they have partnerships with so you may want to keep an eye out for that as well. Each and every card is different so be sure so pay close attention to the terms.If you are looking for opinions from account holders, it’s always smart to get unbiased feedback, then instead of searching for a review I would suggest you visit forums in order to get the experiences of various cardholders. I’m confident you will find that many consumers will share their experiences rather openly on those venues.

What should absolutely be ignored are opinions masquerading as fact. When you see that in a credit card review then you immediately know that the entire review is disingenuous at best, and perhaps outright misleading as well. As we stated earlier, credit cards are products so there is a financial incentive for those that sell them.