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Advertising Disclosure *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

 

FIND YOUR BEST CREDIT CARD

Want to save money on interest, earn better rewards or collect a juicy sign up bonus? These credit cards offer consumers the best opportunities to profit from credit card company competition.

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.

CHASE SLATE®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99%, 17.99%, 22.99% Variable*
$0
Excellent/Good


Key Features
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICO® Score and Credit Dashboard
VIEW ALL FEATURES

Additional Features
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICOŽ Score and Credit Dashboard
Apply Now

BANKAMERICARD TRAVEL REWARDS® CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
N/A*
14.99% - 22.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees†
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don't expire
  • Bank of America customers: Earn an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
VIEW ALL FEATURES

Additional Features
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee and no foreign transaction fees†
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Book travel as you normally would and go online or call to redeem your points for a statement credit toward all or part of your travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don't expire
  • Bank of America customers: Earn an additional 10% customer points bonus on every purchase when you have an active Bank of AmericaŽ checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
Apply Now

CITI SIMPLICITY® CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 21 months*
0% for 21 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% 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.
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% 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.
Apply Now

CAPITAL ONE® VENTUREONE® REWARDS CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until March 2016*
N/A*
11.9% - 21.9% (Variable)*
$0
Excellent/Good


Key Features
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until March 2016; 11.9%-21.9% variable APR after that
  • Travel when you want—no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
VIEW ALL FEATURES

Additional Features
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until March 2016; 11.9%-21.9% variable APR after that
  • Travel when you want—no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital OneŽ Credit Tracker—see your monthly credit score anytime and get automatic alerts
Apply Now

CITI® DOUBLE CASH CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Apply Now

BANKAMERICARD CASH REWARDS™ CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time 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, 12.99% - 22.99% variable APR
VIEW ALL FEATURES

Additional Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of AmericaŽ 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, 12.99% - 22.99% variable APR
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
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
VIEW ALL FEATURES

Additional Features
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICOŽ Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICOŽ Credit Score terms, balance transfer terms and other info by clicking "Apply."
Apply Now

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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

*Disclaimer: See credit card applications for complete terms and conditions. Information on Smart Credit Choices regarding credit cards is presented as is and without warrantly. Before applying for a credit card, carefully review the credit card application terms and conditions.

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Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

*Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Editorial Note: This content is not provided 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.

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