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Compare Credit Card Offers
At SmartCreditChoices.com, we feature links to over 100 credit card applications. You can compare credit cards that offer rewards, credit cards for businesses, credit cards for bad credit...just about every type of credit card you can imagine. Peruse our list of categories and easily compare credit cards until you find the best deal. Below you can compare the most popular credit card categories.
Compare 0% Credit Cards
CITI® PLATINUM SELECT CARD |
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- Offers a 0% APR* on balance transfers and purchases for 6 months
- No annual fee
- Citi Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0% *
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6 Months *
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11.99%(V) *
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None *
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Yes
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Good
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DISCOVER® MORE(SM) CARD - AMERICAN FLAG - 0% FOR UP TO 12 MONTHS |
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- 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
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Intro on Purchases
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Intro APR Period
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Regular APR
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Annual Fee
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Transfers |
Credit Needed
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0% *
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12 Months *
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As low As 11.99% *
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None *
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Yes
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Good
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Compare 0% APR Credit Card Offers
Compare Balance Transfer Credit Cards
DISCOVER® MOTIVA CARD - TOP LOW RATE BALANCE TRANSFER OFFER |
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- Offers a 3.99% Intro APR for 12 months on Balance Transfers*
- Editor's Note: Now that many credit card companies have stopped offering 0% rates lasting more than 6 Months, this card provides one of the longest low rate periods available for balance transfers. A person with a $5,000 balance on a card with a 15% interest rate could save $200 more during the 12 month introductory period than they could with a 0% APR for only 6 months
- Also offers a 3.99% Intro APR on Puchases for 6 months
- Pay-On-Time Bonus(SM) equal to a full month’s interest
- No annual fee
- Charges a low 3% balance transfer fee
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Intro on Purchases
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Intro APR Period
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Regular APR
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Annual Fee
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Transfers |
Credit Needed
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3.99% *
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up to 12 Months *
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As low As 11.99% *
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None *
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Yes
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Good
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GOLF MAGAZINE REWARDS VISA® CARD |
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- Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles.
- Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value!
- Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards
- Points don't expire (as long as your account is open and you use your credit card every 24 months)
- No annual fee
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Intro on Purchases
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Intro APR Period
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Regular APR
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Annual Fee
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Transfers |
Credit Needed
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0% on Transfers *
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6 Months *
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10.24-16.24% *
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None *
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Yes
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Good
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Compare 0% APR Balance Transfer Credit Card Offers
How to Compare Credit Cards
Comparing credit card offers is confusing for a reason: the banks want it to be. However, finding the best credit card deal is possible when you take the right factors into consideration before applying. What are the right factors? Interest rate (APR), introductory rate, and fees.
When you compare credit cards, look for a credit card that offers a low long term interest rate. What’s a low interest rate? Today, the average credit card interest rate is about 14%. Look for something below that and you’re off to a good start.
The second factor to compare is the introductory rate. The best credit cards offer 0% interest on purchases and balance transfers for 1 year. The average credit card offers 0% for about 6 months. If you want the best deal, apply for a credit card that offers 0% for 1 year on purchases and balance transfers.
Lastly, there is absolutely no reason to pay an annual fee. Period. Some airline rewards cards charge fees of up to $85. Put that cash towards your next ticket and avoid the fee.
*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.
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