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FIND YOUR BEST CREDIT CARD
Editor’s Note: The credit cards listed in our best credit cards category represent the best credit card offers from all major categories. Our top rankings focus on value credit cards that offer the longest 0% interest promotions. Other cards are chosen from rewards categories like airline and cash back cards.
While other sites often assert that there is a single best credit card, I believe the best credit card is the one which provides the best value. For some, this may be a 0% APR card; for others, it may be a high-end airline card. Ultimately, however, the best card for you is the one that offers benefits you can actually benefit from.
Once you've found the right card, click apply now to review the application and apply online. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.
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DISCOVER IT® |
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- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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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 Type
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0% for 14 months*
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0% for 14 months*
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10.99% - 22.99% (V)*
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$0
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Excellent Credit
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CITI SIMPLICITY® CARD |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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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 Type
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0%* for 18 months*
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0%* for 18 months*
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12.99% - 21.99%* (Variable)*
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$0*
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Excellent Credit
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BANKAMERICARD CASH REWARDS™ CREDIT CARD |
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- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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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 Type
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0%* for 12 billing cycles*
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0%* for 12 billing cycles for qualifying balance transfers*
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12.99% - 22.99% Variable* on purchases & balance transfers*
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None*
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Excellent Credit
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CAPITAL ONE® VENTUREONESM REWARDS CREDIT CARD |
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- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals, and more
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until June 2014
- No foreign transaction fees
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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 Type
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0% until June 2014*
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N/A*
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11.9% - 19.9% (V)*
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$0
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Excellent Credit
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
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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 Type
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0%* for 12 months*
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0%* for 12 months*
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12.99%-22.99%* (Variable)*
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$0*
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Excellent Credit
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BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS |
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- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
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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 Type
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0% for 12 months*
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None*
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12.99% - 21.99% Variable*
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$75
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Excellent Credit
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CAPITAL ONE® VENTURESM REWARDS CREDIT CARD |
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- 2 miles per dollar on every purchase, every day
- As seen in Money® Magazine's 'Best' issue three years in a row. - Money® Magazine May 2010, 2011, 2012
- Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem your miles for any travel expense
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
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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 Type
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N/A*
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N/A*
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13.9% - 20.9% (V)*
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$0 intro for first year; $59 after that
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Excellent Credit
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BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS |
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- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
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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 Type
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0% for 12 months*
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None*
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12.99% - 21.99% Variable*
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$0
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Excellent Credit
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Tips to Help You Find The Best Credit Card Offers
If You Have Credit Card Debt, Look at Balance Transfers: If you have credit card debt you cannot repay within the next few months, the best credit card offer for you is likely one that offers a 0% APR on balance transfers. With a balance transfer credit card, you can move your high interest debt to a new card with a 0% APR. This type of offer will help you save money on interest and repay your credit card faster.
Don't be Tempted by Free Flights: Airline credit cards tend to offer the largest sign up bonuses, but these are not always the best offers. Airline cards come with high annual fees and the rewards you earn can be difficult to use. Unless you are a very frequent flyer and are familiar with the process of redeeming miles for flights, it may be best to pass on the massive bonuses airline cards offer and opt for a no annual fee card.
Take Advantage of Cash Back Bonus Offers: For the past few months, credit card companies have been offering $50 to $100 cash back bonuses to new customers. Offers like these are unique in the credit card world. In the past, the only credit cards that offered lucrative incentives like this were high fee airline credit cards. However, these offers do generally come with a catch. In order to earn your $100 cash back bonus, you need to spend $500 within three months of opening a new account. To make sure you qualify, use your card for everyday purchases and then pay your bill in full. This will help you meet the spending requirement without causing you to take on new debt.
Ideas to Help You Find the Best Credit Card Offer
The Best 0% APR Credit Card Offer for You: Before applying for a 0% APR credit card, consider how you will use the card. If you have high rate balances on your current cards, then a card with the longest introductory period on balance transfers may be best for you. However, if you are going to be using your card for both purchases and balance transfers, you may be better off seeking a card that offers a similar 0% length for both types of transactions. Full Article.
Cash Back Credit Cards Are the Best Type of Rewards Cards: Cash back credit card offers provide a number of advantages when compared to other types of rewards cards. Typically, cash back credit cards come with no annual fee and low interest rates, something that can not be said about most airline credit cards. More importantly, though, cash back credit cards offer easy to redeem rewards that, unlike points or airline miles, never lose value. Full Article
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