In a Nutshell: While having poor credit can limit your credit card options, sometimes finding the right card is even harder than qualifying for one. CardsMix offers users a simple, easy-to-use interface that lets them browse and search credit cards by categories such as credit score or card type. Once you find the cards for which you qualify, CardsMix offers honest reviews, based on real data, and lets you compare your options side-by-side. The site also maintains a blog full of free advice, including how to qualify for, and get the most of, your next credit card. Instead of battling through the chaos on the information superhighway, let CardsMix guide you to your next credit card.
Unlike the stereotypical siblings brawling over who borrowed what, my best friend and her sister were always perfectly happy to share. For my friend, though, borrowing from her sister always had a bit of a catch: you had to find the item first.
My friend’s sister was so disdainful of picking up her room that she often simply lived atop a veritable mountain of discarded clothing. The amount of time it would take to find something (and the wrinkles once you did) often made the effort of borrowing the item less than worthwhile.
Over the years, I’ve come to realize that getting a decent credit card when you have a low credit score can be a lot like borrowing from my friend’s sister. You know you can get approved for the right card, but the effort of finding it among the hundreds of credit card options can make it feel as though it isn’t worth the hassle. That’s where CardsMix comes into the picture.
Founded by CEO Alex Gerard, CardsMix offers credit card matching and reviews, with a dedication to design and usability that makes finding the right card simple and fast. “When we decided to do this kind of website, this type of platform, we understood the need of our customers,” said Alex. “They need to identify a credit card they can be approved for, maybe with not so perfect credit.”
At the same time, Alex and his team recognize the desire for transparency and mobility. “Modern customers are always mobile; they don’t want to read a lot of extra words. They just want the important answers.”
Transparent Reviews and Data-Driven Card Matching
According to Alex, when they decided to start CardsMix, many of the competing websites on the market looked the same, and often like paid offers instead of honest reviews. To stand out, the team put their attention to creating a functional design and transparent reviews, using real data.
“We tried to focus on being honest and fair to our customers,” said Alex. “At the same time, we are very data-driven, and we want the decisions of our customers to be data-driven.”
The editor reviews, offered on both the website and the iOS mobile application, are simple and straightforward, yet still informative. Each review gives both the pros and cons of the card, including negatives such as foreign transaction fees, as well as the positive selling features like cash back rewards.
CardsMix also has the functionality for user reviews, and encourages readers to add their own rating to the credit card review pages based on their own experiences. “It’s very useful when you can read the reviews of real credit card users, customers like you and me,” Alex explained. “That’s why we made it so you can rate any of our cards.”
If you don’t know which card you need, CardsMix has an easy-to-use browsing interface to help narrow down your choices. You can narrow it down by category by using the handy sidebar, including options to browse by credit (like bad credit, no credit, or rebuilding credit), by rewards, and by card type, such as business cards, cards with no annual fees, and credit cards for students.
To limit your results even further, use the Find A Card feature, where you can mix and match search requirements, like searching only credit cards for fair credit with no annual fee. CardsMix will present you with the best cards that fit your needs and a basic rundown of the details. You can even compare your results, getting details side-by-side for up to four different cards.
Answers to All Your Credit Card Questions — Including Ones You Didn’t Know to Ask
Have an important credit card question you’ve been itching to ask someone, but you don’t know who you can ask? Ask the CardsMix experts.
Anyone can ask the CardsMix team a question right from the page, and the latest questions — and expert answers — are updated regularly. Topics cover queries about all things credit, such as what APR is a good APR, and the truth behind interest-free credit cards. Answers are short and to-the-point, without a lot of extra information you don’t really need.
For those who do need a little more in-depth advice on a specific topic, there’s the CardsMix credit cards blog. Packed full of informative articles, the blog covers credit card topics of the highest interest to CardsMix customers. “They’re usually based on very practical questions,” explained Alex. “Things such as what to do in a certain credit situation, or which card is the best to use for a particular need.”
If you’re new to credit, try one of the articles on establishing your credit history, or applying for a credit card with no credit. Need to know how to use a credit card to help rebuild your credit? The blog offers advice and tips for getting the most out of your rebuilding and getting approved with a poor credit score.
Watch Your Low Score Grow: CardMix’s Hopes for Credit Score Tracking Technology
Though she’s now in college, my friend’s sister still lives atop her clothing mountain, seemingly content to spend her time searching through the mess for whatever she may need. My friend, though, has long since ceased borrowing anything from her sister (most likely in self defense).
Unlike the sisters, subprime borrowers do not have to give up, or continue to wade through the information muddle that is the internet. CardsMix offers a way to find exactly the information they need — without having to dredge through the chaos.
CardsMix is in the process of adding even more functionality, expanding reviews to include data from the Consumer Protection Bureau and other helpful sources. There are additional tools on the way, too, such as calculators to help users determine how to maximize their rewards, or how long it will take to pay off their credit card balance.
The team also hopes to bring their data-driven methodology to credit tracking. “At some point, I believe that we will be able to offer free credit score monitoring,” said Alex. “That’s my real goal.”