About r/CreditCards
In its own words:
A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.
Community guide
r/CreditCards (#675, about 1.6 million subscribers) — A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. A recent sample averaged 54 posts a day (~100% text). Its public rules include: Be respectful; No referrals; No link shorteners; No self-promotional content; No irrelevant content or spam.
What belongs here
Stay inside the room’s stated scope rather than adjacent off-topic dumps. Self-promotion and ads are limited—read those rules before linking your own work.
How it differs from lookalikes
Prefer this room when your post matches its description and rule list—not merely a larger sibling community. The public rule list is long enough that skimming all entries once beats assuming defaults from similar subs.
Practical pointers
Read the live sidebar/rules before posting; rules can change. Common flairs include: Discussion / Conversation, Help Needed / Question, Data Point, Non-USA.
The community was created on Sep 14, 2008, which makes it 18 years old. Since Nov 2, 2026, it has gained 805 subscribers (+0.05%). It sits just behind r/rnb (#674) and ahead of r/PerfectTiming (#676) in our ranking.
What sets r/CreditCards apart
Compared with other large communities, r/CreditCards leans heavily on text posts (100% of recent posts; the typical Top 100 subreddit sits at 35%).
Subscriber growth
Between Sep 19, 2026 and Nov 9, 2026, r/CreditCards went up from 1,557,557 to 1,564,361 subscribers (+6.8K, +0.44%). That is about 133 new members per day. The chart shows 10 weekly subscriber counts.
Top posts on r/CreditCards this week
The most upvoted posts of the past seven days, in the order Reddit ranks them (collected Nov 7, 2026).
- Amazon Prime Visa Points Stolenu/Relevant_Ranger_8888 · Nov 1 · text post
- What was the Amex Platinum card like back in the $450 annual fee days?u/FairCountry4691 · Nov 2 · text post
- Credit card just for the perks no spendingu/abcdefghe123456789 · Nov 1 · text post
- Using deceased persons credit cardu/texan12345678 · Nov 7 · text post
- Sapphire Reserve adds Lyft Go via dashpass benefitu/iwantsleeep · Nov 5 · text post
- Robinhood Gold card steam issuesu/skyman5150 · Nov 3 · text post
- Data point: Closing the Wells Fargo Premier checking account after opening the Premier Autograph Visa Infiniteu/FineAssignment1423 · Nov 1 · text post
- What is the downside to closing a CC that you don't use?u/Diligent_Board_172 · Nov 3 · text post
- NARUTO Rakuten Credit Cardu/DatBoiQuick · Nov 5 · text post
- Best credit card for every day useu/Just-Perspective504 · Nov 6 · text post
All-time top posts
The highest-ranked posts in the history of r/CreditCards, from 2019 to 2026, ranked by Reddit.
- The 2024 Hater's Guide to Credit Cardsu/Ryfiii · Jan 12, 2024 · text post
- Let's Make This Clear So We Stop Wasting Each Other's Timeu/Inevitable-Driver-53 · Jan 12, 2025 · text post
- Josh Hawley and Bernie Sanders are introducing a bipartisan bill to put a 10% cap on credit card interest ratesu/ananyapandaysuprmacy · Feb 4, 2025 · text post
- Please stop recommending premium cards to teenagers and part-time workersFeb 10, 2023 · 1,093 points · 355 comments · text post
- There is only one rule of Credit Card. Pay your statement balance in full by the due date, every single month, without failure.Apr 14, 2023 · 1,091 points · 215 comments · text post
- My credit card was stolen at the fair.u/soldollhausen · Sep 22, 2022 · 796 points · 127 comments · text post
- BILT 2.0 is dead on arrivalu/EquivalentAbies6095 · Jan 14, 2026 · text post
- For the love of God people, please stop having meltdowns about your fucking statement balance.u/PhatCaulkForyourMom · Oct 22, 2022 · 823 points · 177 comments · text post
- I started this year with 21k in credit card debt and the resolution to end it in 0. I met my goal todayu/casualconv0 · Dec 15, 2020 · text post
- JPMorgan Chase Reaches a Deal to Take Over the Apple Credit Cardu/D4vester · Jan 7, 2026 · text post
What r/CreditCards talks about
Across 350 recent posts (Oct 29–Nov 5), the words that come up most are “card”, “credit”, “chase”, “cards” and “amex”. Other frequent themes are travel, looking, cash, bank, offer and citi. Recurring phrases include “credit card”, “credit cards”, “credit score” and “card recommendation”. By format, 100% are text posts.
Popular post flairs: Discussion / Conversation (125), Help Needed / Question (121), Data Point (9), Non-USA (1).
Activity and best time to post
r/CreditCards gets about 55 new posts a day. The public archive holds 269,088 posts and 2,642,812 comments in total, about 9.8 comments per post.
Rules of r/CreditCards
The moderators of r/CreditCards list 6 rules. In short:
- Be respectful
- No referrals
- No link shorteners
- No self-promotional content
- No irrelevant content or spam
- No promotion of illegal, fraudulent, or nefarious activities
How to join
Open reddit.com/r/CreditCards and press “Join”. Read the community rules in the sidebar before you post: every subreddit is run by its own volunteer moderators.
Frequently asked questions
How many subscribers does r/CreditCards have?
r/CreditCards has 1,564,361 subscribers (Nov 9, 2026), which makes it the #675 safe-for-work subreddit in the SubMouse ranking. It added 6,804 members between Sep 19, 2026 and Nov 9, 2026.
When was r/CreditCards created?
r/CreditCards was created on Sep 14, 2008, so it has been around for 18 years. The oldest post in the public archive is from Oct 9, 2010.
Is r/CreditCards still active?
Yes. r/CreditCards gets about 55 new posts a day (average of the last four weeks). Over its lifetime the archive counts 269,088 posts and 2,642,812 comments. In a sample of 350 recent posts we counted 325 different authors.
What kind of posts are on r/CreditCards?
The community describes itself as: “A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.” Recent post titles often mention card, credit, chase, cards and amex. Most posts are text posts (100%).
Is r/CreditCards SFW?
Yes. Reddit does not mark r/CreditCards as an 18+ (NSFW) community. SubMouse lists safe-for-work subreddits only.
What are the rules of r/CreditCards?
Join the community on Reddit first, then use “Create post”. r/CreditCards accepts text posts only, with galleries and polls enabled. It has 6 posted rules, starting with: “Be respectful”; “No referrals”; “No link shorteners”. Moderators remove posts that break the rules, so read them in the sidebar before posting.
What subreddits are similar to r/CreditCards?
Communities with similar topics include r/personalfinance (21.9M), r/DestinyTheGame (3.4M), r/LinkedInLunatics (1.1M) and r/KDRAMA (1.1M).
Stats from public data (data updated Nov 9, 2026; activity, rules and archive totals via the Arctic Shift archive, Nov 6, 2026; top posts from Reddit’s public feeds). Point and comment counts are archive snapshots and can be lower than on Reddit today. SubMouse is an independent directory and is not affiliated with Reddit or the moderators of r/CreditCards.