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About The Authors

In the spring of 2000, Lynn and John Oldshue were completely overwhelmed. They knew they needed a new credit card but they were confused with all the different offers that kept appearing in their mailbox each day.

They wished there was one resource that would compare all the credit card offers that were coming their way. After searching the Internet for such a site and not finding a satisfactory answer, they decided to embark on developing a consumer resource site that made shopping and comparing credit cards easy and simple. For the next four months, the Oldshues and their business partner, Bill Hardekopf, researched the credit card industry and developed a website.

In July of that year, LowCards.com was introduced and the popularity of the site has far exceeded their expectations. LowCards.com has been used by over one million people and mentioned by over 250 newspapers and magazines including The Wall Street Journal, USA Today, Kiplinger, The Washington Post and The New York Times.

The website simplifies the confusion of shopping for credit cards. It is a free, independent website that helps consumers easily compare credit cards in a variety of categories such as lowest rates, rewards, rebates, balance transfers and lowest introductory rates. It also gives an unbiased ranking and review for each card.

In addition, The LowCards.com Complete Credit Card Index is currently the only site on the Internet that compares the interest rates, grace periods and annual fees of all 1200+ credit cards offered online in the United States.
LowCards.com also provides advice about credit card and debt issues, news, and credit card updates.

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LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.