cardtart.com originated back in 2003 as a pure credit card directory site allowing consumers to transfer balances to an interest free credit card. The somewhat uncomplimentary phrases of card tart and rate tart are sometimes used to describe those individuals who seek out and transfer to a better deal on credit cards, loans, mortgages and savings.

Since then, the site has expanded in to many areas of personal finances, utility bills, motoring and travel.