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WELCOME TO SMART CREDIT CHOICES

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

BANKAMERICARD CASH REWARDS™ CREDIT CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable* on purchases & balance transfers*
None*
Excellent


Key Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
VIEW ALL FEATURES

Additional Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
Apply Now

 

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Learn About 0% APR Credit Card Offers and Online Credit Card Applications
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
0% Credit Card Offers - Pay No Interest for 1 Year
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.
Best Credit Card Offers
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.
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.



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 Learn About Credit Card Offers
  • Compare credit card offers Learn About Credit Card Applications

    Ideas to Help You Find the Best Credit Card Offers


    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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    Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

    Advertising Disclosure: smartcreditchoices.com is an independent, advertising-supported comparison service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

    *Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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