|
|
U R @: Education Center : Credit Card News : What are The Best Credit Card Offers
What are the Best Credit Card Offers
When searching the web for a new credit card, many people begin by entering the words “best credit card.” Unfortunately, there is no true “best credit card.” In fact, the best credit card for one person may be a bad offer for another. Below, we break down recent J.D. Power Rankings to help you find the best credit card for your spending style.
The Best MasterCard and Visa Credit Card Offers
Although American Express and Discover finished atop J.D. Power's rankings, most people prefer the convenience of a MasterCard or Visa that they know will be accepted everywhere. Here are our top picks for consumers who want a Visa or MasterCard in their wallet.
CAPITAL ONE® VENTUREONE(SM) REWARDS CREDIT CARD |
|
- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
|
|
|
|
Intro APR on Purchases
|
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|
0% until August 2011*
|
n/a
|
13.9%(V)*
|
None
|
Excellent
|
|
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% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
|
|
|
|
Intro APR on Purchases
|
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|
0% until 8/2011*
|
n/a*
|
14.9%(V)*
|
None
|
Excellent
|
|
CHASE FREEDOM® MASTERCARD |
|
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
|
|
|
|
Intro APR on Purchases
|
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|
n/a
|
0% for 12 Months
|
12.99%-22.99% Variable*
|
None
|
Excellent
|
|
Compare All 0% Credit Card Offers
The Overall Winners
- American Express – This perennial leader of the pack earned five star rankings in every category, including overall satisfaction. However, reports of credit limit cuts from many consumers may knock American Express of its throne this year. Nevertheless, consumers who spend a lot, pay their bills in full monthly, and don’t mind paying an annual fee to get top tier rewards may fare best with American Express. Consumers looking for 0% interest rates or no fee rewards may find themselves happier with another brand. With all that in mind, our pick for the best American Express card is its Gold charge card, which comes with the well-regarded American Express Membership Rewards Program. You can review the details below or compare all American Express cards in their respective section.
BLUE CASH(R) FROM AMERICAN EXPRESS |
|
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
|
Annual Fee
|
Credit Needed
|
|
See Terms*
|
See Terms*
|
17.24%-21.24% Variable *
|
No Annual Fee *
|
Excellent
|
|
- Discover – The consistent number two in the rankings is, in our opinion, often the best credit card for the vast majority of consumers. Why? Discover offers incredible value with 0% APR offers on balance transfers and purchases for six months, a solid, no fee cash back rewards program, and the lowest rate of customer complaints amongst all credit card companies. Using the Discover® More(SM) Card for a 0% balance transfer could save a person with a $5000 balance on a 14% interest credit card around $300 over the course of six months. Plus, they offer a number of ways to earn cashback of up to 20% on certain online specials. You can review the details below or compare all Discover cards in their respective section.
DISCOVER® MORE CARD |
|
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
|
|
|
|
Intro APR on Purchases
|
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|
0% for 6 Months*
|
0% for 15 Months*
|
11.99% - 20.99% (Variable)*
|
None
|
Good
|
|
Final Thoughts
While J.D. Power rankings provide good insight into what a majority of people think about credit card companies, it is important to consider the factors that will provide you with the most value from your credit card. In uncertain times such as these, the best credit card for most people is the card that will save you the most money. To find that card, the best place to start is often a 0% APR credit card, regardless of who is issuing the card.
Read more related articles: Credit Card News |
