Choosing the Right Calling Card

How to Compare Calling Cards

When searching for calling cards, don’t just pick the lowest per-minute rate and assume you’re getting the best deal. There are a few other variables to consider so you aren’t surprised by expensive fees.

First, check to see how many minutes you get and whether they round up. That means even if you spend 10 minutes and 30 seconds on the phone, you’ll use 11 full minutes from your card.

Also check the expiration date. Most cards have a time by which you must use your minutes, although some may let you roll them over. If you do have an expiration date, check to see what kind it is:

• A set date as part of your calling card terms
• A set number of days after you make your first call

Additionally, compare what kind of fees come with the card. Some carries charge post-call, disconnect, hang-up, or maintenance fees.

Assuming that the cheapest minute rate is the best deal available can cost you in the long run.

Read your card agreement carefully to make sure you fully understand the total cost of the card. Once you do, you’ll rest easy knowing exactly what to expect when you use your card to call.

Frequently Asked Questions

by Lauren Ward

Personal Finance Writer

Lauren Ward is a personal finance writer with nearly ten years of experience covering topics like loans, credit, and real estate. She lives in Virginia with her husband and three children.