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U R @: Education Center : Understanding the Fine Print : Good Credit Card Companies
GOOD CREDIT CARD COMPANIES
What is a good credit card? For starters, a good credit card is one that offers competitive interest rates, no annual fee rewards, and quality customer service. When the financial crisis deepened, both the quality and the quantity of good credit cards decreased. Many major credit card companies have cut back on the length of 0% introductory rates, raised interest rates (even as the Prime Rate as decreased) and dramatically reduced rewards programs.
Fortunately, a number of very good credit cards still exist. Unfortunately, the best credit cards are ultimately reserved for applicants with the highest credit scores. However, it is still possible to get a good credit card with a 0% APR for up to 1 year and no fee cashback or airline rewards.
One approach to finding a good credit card is to seek out one from the best credit card companies, as ranked by J.D. Power. For the last two years, American Express and Discover have ranked first and second in their annual customer satisfaction poll. Of the two companies, Discover stands out as the one with the least negative recent news. However, individuals with excellent credit can still get good credit cards from American Express.
Below you can compare the best credit card offers from Discover and American Express. For complete terms and to apply online, simply click apply to access the SSL encrypted application.
DISCOVER® MORE CARD |
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- 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
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 6 Months*
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0% for 15 Months*
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11.99% - 20.99% (Variable)*
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None
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Good
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STARWOOD PREFERRED GUEST(R) CREDIT CARD FROM AMERICAN EXPRESS |
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Needed
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See Terms*
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See Terms*
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15.24% variable *
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See Terms* *
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Excellent
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MILES BY DISCOVER® CARD - GET 12,00 FREE MILES |
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- 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months than the regular APR
- No Annual Fee, No Overlimit Fee, No Redemption Fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 6 Months*
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0% for 6 Months*
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10.99% Variable*
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None
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Good
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AMERICAN EXPRESS(R) GOLD CARD |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Needed
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N/A*
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N/A*
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N/A *
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$125 annual fee *
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Excellent
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To compare additional credit card offers, please navigate via the categories on your left or continue your search in the 0% APR credit card section of Smart Credit Choices.
Read more related articles: Understanding the Fine Print |
