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| WELCOME TO SMART CREDIT CHOICES |
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Smart Credit Choices is more than just a directory of online credit card applications. At our website, we provide editorial insight to help consumers find the best credit card offers online. Whether you're looking to take advantage of a money saving 0% balance transfer, a no fee rewards credit card or a lower interest rate, we provide the information necessary to make an informed decision. Once you’ve found the best credit card for your needs, you can apply online for fast approval via links to secure, SSL encrypted credit card applications.
At Smart Credit Choices, we believe choosing a credit card is an important financial decision. Our goal is to help you save money with credit cards and we encourage you to take advantage of 0% APR credit card offers to maximize savings and minimize the money you would otherwise waste on interest payments.
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Editor's Pick: Best Credit Card Offers |
DISCOVER IT® |
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- The new Discover it card is out to change the way people think about credit cards.
- Fair...no annual fee. No overlimit fee. No foreign transactions fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone
- Human...talk to a real person any time with 100% U.S.-based service
- Safe...Because you'll never pay for unauthorized purchases with our
- $0 Fraud Liability Guarantee
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 14 months*
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0% for 14 months*
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10.99% - 22.99%* (Variable)
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None*
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Excellent
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0% APR Credit Card Offers
With a 0% APR credit card, consumers can avoid paying interest on new purchases or pre-existing credit card debt for up to 24 months. Compare offers and learn more about 0% APR credit cards. |
Balance Transfer Credit Cards
The right 0% APR balance transfer credit card can help you save money on interest and get out of debt faster. Compare offers and learn more about balance transfers.
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Best Credit Card Offers
 Every month, we rank the best credit card offers from every major credit card company to help our visitors easily locate the most generous 0% interest and rewards cards on the market.
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Cash Back Credit Cards
Consumers who desire easy to use rewards with no annual fees will likely find that cash back credit cards offer the best value. Research and compare cash back credit cards. |
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LEARN ABOUT
Evaluating credit card offers
Avoiding fine print tricks
Finding the right credit card
SEE HOW
0% credit cards save you money
Cash back credit cards work
Credit card applications differ
GET INFORMED on
Recent credit card trends
Credit card offer updates
Balance transfer promotions 
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Ideas to Help You Find the Best Credit Card Offers
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The Current State of 0% APR Credit Cards:
This analysis of the 0% APR credit card market takes a look at what the top six credit card companies in the U.S. are currently offering consumers seeking 0% interest rates. Presently, the longest introductory rate on both purchases and balance transfers lasts 21 months.
Cash Back Credit Card Trends:
Although credit card companies continue to boldly advertise 5% cash back rewards, these offers tend to come with a big catch. With most of these cards, you can only earn 5% cash back in rotating categories and there are often limits imposed on what you can earn. Because of this, cash back cards with straightforward 2% cash back in key spending categories likely offer the best value, unless a sizable up front bonus is provided.
What Type of Rewards Credit Card is Best for You:
Credit card companies love rewards cards because consumers with rewards cards historically spend more than those who use no-frills platinum cards. However, if you can resist the urge to overspend a rewards card can offer significant benefits. The key to finding the right card is to evaluate your spending and stay away from offers with annual fees unless you are a high roller. Find out how much you can earn with our credit card rewards calculator.
Balance Transfer Credit Card Market Overview: Credit
card companies have vastly increased the length of 0% APR balance transfer credit card offers over the past six months. Just one year ago, getting a 0% APR for 12 months was a difficult task. Today, a handful of credit cards offer 0% rates on balance transfers for 15, 18, and even 21 months. Find out if a balance transfer can save you money by testing out our balance transfer calculator.
Deciphering Low Interest Credit Card Applications:
Finding a low interest credit card is not as easy as it may appear at first glance. Nearly all credit card offers come with multiple interest rates and the difference between the highest and lowest rate offered can be substantial, as in ten full percentage points. This article examines how to evaluate a low interest credit card offer.
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