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THE BEST CREDIT CARD OFFERS

Drawing on more than 5 years of experience in the credit card industry, our editor has compiled a categorical breakdown of the best credit card offers. To determine the best credit cards, factors such as customer feedback, J.D. Power rankings, and offer quality were taken into consideration. Ultimately, the best credit card is the one that saves you the most money, whether via 0% rates, low long term rates, or high value rewards. Be sure to consider these factors so you can find the best credit card for your needs.

Below you can compare the best credit card offers and apply online for approval.

Best Credit Cards - Top Picks

These credit cards offer consumers with good or excellent credit the best credit card rewards and long term 0% rates.

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS

1 mile per dollar spent on purchases up to $1,000 each month 2 miles per dollar above $1,000 each month No limit on the miles you can earn and miles don't expire Redeem for Travel, Merchandise, Gift Cards and more No blackout dates and no seat restrictions Fly FREE on any airline to any destination No foreign transaction fees 0% APR on purchases until November 2010 No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% on Purchases* Until 11/2010 * 13.9%(V) * None * Yes Excellent

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT

1.25 miles for every dollar spent on purchases No limit on the miles you can earn and miles don't expire Redeem for Travel, Merchandise, Gift Cards and more No blackout dates and no seat restrictions Fly FREE on any airline to any destination 0% intro APR on purchases until November 2010 No foreign transaction fees No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% on purchases * Until 11/2010 * 16.9%(V) * None * Yes Good

Best Credit Cards for Balance Transfers

These offers provide consumers the best value for consumers looking to save money on interest with low interest rates.

DISCOVER® MORE(SM) CARD - AMERICAN FLAG - 0% FOR 12 MONTHS

0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers 5% Cashback Bonus® in categories that change four times a year 5% to 20% Cashback Bonus at top online retailers Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% * 12 Months * As low As 11.99% * None * Yes Good

Best Credit Cards with Cashback Rewards

Many companies have trimmed down on cashback rewards, but these credit cards offer much better than average cashback reward programs.

CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT

2% cash back on gas and groceries 1% cash back on all other purchases No limit on the cash you can earn and cash won't expire Redeem cash rewards for statement credit, check or gift card Get your cash back whenever you want, even set up automatic redemption 0% APR on purchases until November 2010 No foreign transaction fees No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% on Purchases* Until 11/2010 * 14.9%(V) * $0 * Yes Excellent

DISCOVER® MORE(SM) CARD - CLEAR

Earn more cash in more ways than anyone else(SM) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online Double rewards with more than 100 Cashback Bonus Partners Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0%* * 6 Months* * 11.99% - 18.99%* * None * Yes Good

Best Credit Card Offer for Consumers with Fair/Below Average Credit

Truth be told, there aren't a lot of great credit cards for consumers with less than perfect credit. However, this offer is "less bad" than many others available.

AMERICAN DREAMCARD™ MASTERCARD®

Best current credit card offer for consumers with fair or average credit Grace period for purchases of at least 20 days Editor's Note: This card may have NO annual fee or may come with a fee of $39 or $59, based on a review of your credit From the Issuer: The American DreamCard™ MasterCard® offers a generous credit line and no annual fee, so it costs you nothing to carry and has an award winning reward program. With every net $1.00 spent on your card, you receive an entry to win the large monthly American DreamCard™ cash jackpot. There is a new winner every month! †See terms and conditions for important rate, fee and other cost information, and limitations

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed n/a * n/a * 14.99/21.99% * $0, $39, $59 * Yes Average

For more information on the best credit cards with 0% APRs, the best credit cards for balance transfers, or the best credit cards for rewards, please see the respective sections of this website using the left navigation.

*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.