The official Get Rich Slowly position on credit cards is: DON’T USE THEM. Credit cards are a trap. They’re designed to make money for banks, not to be convenient for consumers. There’s a reason that credit card companies are making record profits. There’s a reason that banks are eager to offer consumers new credit cards. You have to question anything that a bank is eager to do for you; you can be sure it’s not in your best interest.

Having said that, for a minority of people, credit cards can be a valuable tool. If you never carry a balance, if you never make spontaneous purchases with plastic, if you never pay an annual fee, then there are some great options out there.

Index Credit Cards is a site the catalogs 912 current credit card offers. The site even provides lists of low interest credit cards, cash back credit cards, credit card reward programs, travel and airline credit cards, and gas credit cards.

Index Credit Cards offers lots of other great information, including a credit card rate monitor, tips on how to get a free credit report and how to opt out of credit card offers, and more.

If you must use credit cards, Index Credit Cards is a solid resource.

GRS is committed to helping our readers save and achieve your financial goals.Savings interest rates may be low, but that’s all the more reason to shop for the best rate.Find the highest savings interest rate from Ally Bank, Capital One 360, Everbank, and more.

Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company.