Since credit unions are nonprofit financial institutions, they typically offer lower annual fees and APR ranges than many bank-issued credit cards, without skimping on the perks. The best credit ...

When people say “credit card company” they may be referring to either an issuer or a network. The issuer is the bank or credit union that lends you money every time you use your credit card.

Whether you choose banks vs. credit unions comes down to finding a middle road between the services you need and the experience you want. Expert take: When examining whether credit unions vs ...

The card issuer, a bank or credit union, actually makes the payment for you, and you later repay the issuer when you pay your credit card bill. Issuers don’t pay merchants directly, however.