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U R @: Education Center : Applying for Credit Cards Online : What are The Best Credit Card Companies


WHAT ARE THE BEST CREDIT CARD COMPANIES

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.

You can also view our frequently updated list of the best credit card offers to find cards offering great deals, including up to $200 cash back just for applying. For more information, please see this page.

J.D Power Winners

American Express – This perennial leader of the pack earned five star rankings in every category, including overall satisfaction.  However, American Express credit cards are tough to get, as they have some of the strictest approval criteria in the industry.  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 their no fee (though high interest rate) Blue Cash Everday card.  You can review the details below or compare all American Express cards in their respective section.



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

for *
for *
*


Key Features
    VIEW ALL FEATURES

    Additional Features
      Apply Now

      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 lasting up to 18 months, a solid, no fee cash back rewards program, and the lowest rate of customer complaints amongst all credit card companies.  Using the Discover It® 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 5% on certain online specials.  You can review the details below or compare all Discover cards in their respective section.

      DISCOVER IT®



      Intro APR on Purchases

      Intro APR on Transfers

      Regular APR

      Annual Fee

      Credit Type

      0% for 14 months*
      0% for 14 months*
      10.99% - 22.99% Variable*
      $0
      Excellent Credit


      Key Features
      • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
      • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
      • Human. 100% U.S.-based customer service available any time.
      • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
      • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
      • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
      • *Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
      VIEW ALL FEATURES

      Additional Features
      • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
      • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
      • Human. 100% U.S.-based customer service available any time.
      • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
      • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
      • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
      • *Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
      Apply Now

      DISCOVER IT®



      Intro APR on Purchases

      Intro APR on Transfers

      Regular APR

      Annual Fee

      Credit Type

      0% for 6 months*
      0% for 18 months*
      10.99% - 22.99% Variable*
      $0
      Excellent Credit


      Key Features
      • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
      • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
      • Human. 100% U.S.-based customer service available any time.
      • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
      • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
      • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
      • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
      • * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
      VIEW ALL FEATURES

      Additional Features
      • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
      • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
      • Human. 100% U.S.-based customer service available any time.
      • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
      • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
      • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
      • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
      • * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
      Apply Now

      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® REWARDS CREDIT CARD



      Intro APR on Purchases

      Intro APR on Transfers

      Regular APR

      Annual Fee

      Credit Type

      0% until April 2015*
      N/A*
      11.9% - 19.9% (V)*
      $0
      Excellent/Good


      Key Features
      • Earn unlimited 1.25 miles on every purchase, every day
      • No annual fee
      • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
      • Fly any airline, stay at any hotel, anytime
      • Enjoy a low intro APR on purchases
      • Travel when you want—no blackout dates
      • Miles don't expire
      • No limit to the miles you can earn
      VIEW ALL FEATURES

      Additional Features
      • Earn unlimited 1.25 miles on every purchase, every day
      • No annual fee
      • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
      • Fly any airline, stay at any hotel, anytime
      • Enjoy a low intro APR on purchases
      • Travel when you want—no blackout dates
      • Miles don't expire
      • No limit to the miles you can earn
      Apply Now

      CITI® DIAMOND PREFERRED® CARD



      Intro APR on Purchases

      Intro APR on Transfers

      Regular APR

      Annual Fee

      Credit Type

      0% for 18 months*
      0% for 18 months*
      11.99%-21.99%* (Variable)*
      $0*
      Excellent Credit


      Key Features
      • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
      • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
      • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
      • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
      • Let our 24/7 concierge service help book your hotel rooms, flights and more.
      • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
      • No annual fee*
      VIEW ALL FEATURES

      Additional Features
      • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
      • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
      • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
      • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
      • Let our 24/7 concierge service help book your hotel rooms, flights and more.
      • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
      • No annual fee*
      Apply Now

      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: Applying for Credit Cards Online

       

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      *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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