Credit Cards http://www.cardbenefit.com Compare and Apply for Best Credit Cards at CardBenefit Sun, 05 Jul 2015 08:54:46 +0000 en-US hourly 1 http://wordpress.org/?v=4.2.2 7 Reasons Why You Need a Credit Card http://www.cardbenefit.com/7-reasons-why-you-need-a-credit-card/ http://www.cardbenefit.com/7-reasons-why-you-need-a-credit-card/#comments Sat, 04 Jul 2015 21:18:18 +0000 http://www.cardbenefit.com/?p=13961 Having a credit card has a lot of advantages, as long as you are a responsible consumer. Here are 7 ways in which we benefit from owning a credit card.

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get credit cards Personal finance experts are constantly telling us not to use credit cards, for fear we will overuse them or end up in debt. But, credit cards have an important place in this world. As long as you can use them responsibly, credit cards have a lot of benefits to offer us. Here are just some of the ways in which we can gain from owning a credit card:

1. Build your credit.

Building your credit score is important for big purchases in the future, such as a house or a car, or for obtaining loans, because a higher score also means lower interest rate on loans, which could amount to thousands of dollars in savings over the life of the loan. If you have poor credit, there are cards designed specifically for building or rebuilding your credit ratings so that you can access better deals in the future.

2. Get rewards and cash-back.

If you were already planning to go shopping, why not earn rewards from those purchases? You can research to see what different cards will give you the most benefits. If you fly a lot, consider an airline credit card that offers mileage or discounts.

3. Convenience.

It is just more convenient to carry cards and have some leeway in paying off large purchases or unforeseen emergencies. Using a debit card will take that money directly out of your account, but with a credit card, you can pay off a purchase over several months.

4. Protection between merchants and your money.

Extended warranties and protections. In most cases, purchasing on a credit card automatically gives you more choices if you encounter a problem. Many credit cards extend the manufacturer’s warranty, and some offer purchase protection of some sort if it is not covered by the warranty. For more info, see section 75 of the Consumer Credit Act.

5. Cut costs on overseas spending.

Most debit cards charge a foreign loading fee for purchases. Credit cards can as well, but some will waive this fee on transactions made overseas.

6. Renting a car/staying at a hotel.

Renting a car does not necessarily require owning a credit card as long as you can cover the deposit, but having a card means getting rental car insurance. Hotels also require a deposit to rent a room, but if you use a credit card, the deposit is merely a temporary authorization placed on the cardholder’s account, while on a debit card, that money is actually taken out and unavailable for other use.

7. Track your spending.

You can track your spending with cash as well, but with credit cards, there are many personal finance software packages that allow you to import your statements, analyze your spending habits, and locate areas where you can save money.

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Low Interest Credit Cards http://www.cardbenefit.com/low-interest-credit-cards/ http://www.cardbenefit.com/low-interest-credit-cards/#comments Sat, 04 Jul 2015 15:00:32 +0000 http://www.creditfaves.com/?page_id=285 If you use a low-interest credit card or transfer balance from a high-interest card to a low-interest one, you will save a lot of money in the long run. Check out these credit cards of the lowest interest available on the market.

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If you have credit card debt, the interest cost that you have to pay can be very expensive. If you apply for a low interest credit card or transfer balance from a high interest card to a low interest one, you will save a lot of money in the long run. Compare the credit cards of the lowest interest available on the market. You may also want to check credit cards that offer 0 intro APR on purchases and balance transfers.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Barclaycard® Ring MasterCard®

Hide BenefitsShow Benefits
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

8.00% (Variable) APR

8.00% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

BankAmericard® Credit Card

Hide BenefitsShow Benefits
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Capital One® VentureOne® Rewards Credit Card

Hide BenefitsShow Benefits
  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

0% APR
until June 2016

11.9% - 21.9% (Variable) APR after that

11.9% - 21.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

BankAmericard Cash Rewards™ Credit Card

Hide BenefitsShow Benefits
  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Chase Freedom®

Hide BenefitsShow Benefits
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

Ink Cash® Business Credit Card

Hide BenefitsShow Benefits
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

0% APR
for 12 months

13.24% (Variable) APR after that

0% APR
for 12 months

13.24% (Variable) APR after that

No Annual Fee

Excellent CreditApply NowView Card Details
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

Capital One® Venture® Rewards Credit Card

Hide BenefitsShow Benefits
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

12.9% - 22.9% (Variable) APR

12.9% - 22.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

Sony Card from Capital One®

Hide BenefitsShow Benefits
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

Capital One® Spark® Cash for Business

Hide BenefitsShow Benefits
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

Capital One® Quicksilver® Cash Rewards Credit Card

Hide BenefitsShow Benefits
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

BankAmericard Travel Rewards® Credit Card

Hide BenefitsShow Benefits
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

0% APR
12 billing cycles

14.99% - 22.99% Variable APR after that

14.99% - 22.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

Blue Cash Everyday® Card from American Express

Hide BenefitsShow Benefits
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

The Amex EveryDay® Credit Card from American Express

Hide BenefitsShow Benefits
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

SimplyCash® Business Card from American Express

Hide BenefitsShow Benefits
  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

0% APR
for 9 months

12.24% - 19.24% Variable APR after that

12.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

Chase Slate®

Hide BenefitsShow Benefits
  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Blue Cash Preferred® Card from American Express

Hide BenefitsShow Benefits
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$75

Excellent CreditApply NowView Card Details
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Capital One® Spark® Miles for Business

Hide BenefitsShow Benefits
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Spark® Cash Select for Business

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  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

The Blue for Business® Credit Card from American Express

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  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

0% APR
for 9 months

11.24% - 19.24% Variable APR after that

11.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

Hide BenefitsShow Benefits
  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0 intro* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

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  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

0% APR
for 12 months

11.9% - 19.9% (V) APR after that

11.9% - 19.9% (V) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

Webster Bank Visa® Bonus Rewards Card

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  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

Simmons Bank Visa® Platinum

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

7.25% (Variable) APR

7.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

Simmons Bank Visa® Platinum Rewards

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

9.25% (Variable) APR

9.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

Capital One® Spark® Miles Select for Business

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  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

U.S. Bank FlexPerks® Travel Rewards American Express® Card

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  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

13.99% - 23.99%* (Variable) APR

13.99% - 23.99%* (Variable) APR

$0* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

U.S. Bank Business Edge™ Select Rewards Card

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  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

U.S. Bank FlexPerks® Select+ American Express® Card

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  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

13.99% - 23.99%* (Variable) APR

0% APR
9 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

U.S. Bank Perks+ Visa Signature® Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

USAA Rewards™ American Express® Card

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  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

Gettington Credit Card

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  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

14.90% - 19.90% APR

14.90% - 19.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

U.S. Bank Business Edge™ Cash Rewards Card

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  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

The Amex EveryDay® Preferred Credit Card from American Express

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  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$95

Excellent CreditApply NowView Card Details
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

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  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

11.99% - 17.99%* (Variable) APR

11.99% - 17.99%* (Variable) APR

$0 intro for the first year, then $55*

Excellent CreditApply NowView Card Details
  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

USAA Rate Advantage Platinum MasterCard®

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  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

6.90% to 23.90%* APR

6.90% to 23.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

USAA Cash Rewards® Visa®

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  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

PlayStation® Card from Capital One®

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  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

Capital One® Spark® Select for Business

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  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

0% APR
until March 2016

10.9% - 18.9% (Variable) APR after that

10.9% - 18.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

U.S. Bank Business Edge™ Platinum Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Plenti℠ Credit Card from Amex

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  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

0% APR
for 12 months

14.99% - 24.99% Variable APR after that

14.99% - 24.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

Wells Fargo Cash Back Visa Signature® Card

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  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

No annual fee

Excellent CreditApply NowView Card Details
  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

Wells Fargo Cash Back College Visa® Card

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  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

$0

FairApply NowView Card Details
  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

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0% Interest on Purchases Credit Cards http://www.cardbenefit.com/zero-interest-on-purchase-credit-cards/ http://www.cardbenefit.com/zero-interest-on-purchase-credit-cards/#comments Sat, 04 Jul 2015 14:33:35 +0000 http://www.creditfaves.com/?page_id=280 0% intro APR credit cards are a great asset to have in your wallet. Check out these outstanding credit cards that offer 0% introductory APR on purchases.

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0% APR on purchases Credit cards can be used wisely to save money. If you have a credit card with 0% interest on purchases for 21 months, you can make purchases today and pay off 21 months later without incurring any interest or fees, as long as you make the minimum payments every month.

For example, if your credit limit is $6,000, your monthly minimum required payment amount may be around $60 – $240. You just need to make the monthly minimum payments to keep your account in good standing so that it won’t incur any finance charges. The remaining balance is enjoying 0% interest for 21 months, which works like a free loan. Compare credit cards that offer 0% APR on purchases. (About Our Partners)

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Gold Delta SkyMiles® Credit Card from American Express

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 intro annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

Capital One® Spark® Cash for Business

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  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

Capital One® Venture® Rewards Credit Card

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  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

12.9% - 22.9% (Variable) APR

12.9% - 22.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

IHG® Rewards Club Select Credit Card

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  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49

15.99% Variable APR

15.99% Variable APR

$0 introductory annual fee the first year, then $49

Excellent CreditApply NowView Card Details
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49

United MileagePlus® Explorer Card

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  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

Capital One® Quicksilver® Cash Rewards Credit Card

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  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

BankAmericard Cash Rewards™ Credit Card

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  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Marriott Rewards® Premier Credit Card

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  • The fastest way to earn Marriott Rewards points towards free nights
  • Earn 50,000 Points after spending $1,000 on purchases on your first 3 months from account opening
  • Receive 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee for the first year, then $85

Excellent CreditApply NowView Card Details
  • The fastest way to earn Marriott Rewards points towards free nights
  • Earn 50,000 Points after spending $1,000 on purchases on your first 3 months from account opening
  • Receive 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers

Ink Plus® Business Credit Card

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  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn
  • No foreign transaction fees
  • Global acceptance with Chip Technology
  • Free employee cards
  • $0 intro annual fee for the first year, then $95

15.24% Variable APR

15.24% Variable APR

$0 intro annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn
  • No foreign transaction fees
  • Global acceptance with Chip Technology
  • Free employee cards
  • $0 intro annual fee for the first year, then $95

British Airways Visa Signature® Card

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  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee The First Year, Then $95

Excellent CreditApply NowView Card Details
  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

BankAmericard Travel Rewards® Credit Card

Hide BenefitsShow Benefits
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

0% APR
12 billing cycles

14.99% - 22.99% Variable APR after that

14.99% - 22.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

Capital One® VentureOne® Rewards Credit Card

Hide BenefitsShow Benefits
  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

0% APR
until June 2016

11.9% - 21.9% (Variable) APR after that

11.9% - 21.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

American Express® Premier Rewards Gold Card

Hide BenefitsShow Benefits
  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.

N/A

N/A

Introductory annual fee of $0 for the first year, then $195

Excellent CreditApply NowView Card Details
  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.

Blue Cash Everyday® Card from American Express

Hide BenefitsShow Benefits
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

Chase Freedom®

Hide BenefitsShow Benefits
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

Southwest Airlines Rapid Rewards® Premier Credit Card

Hide BenefitsShow Benefits
  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases

15.99% Variable APR

15.99% Variable APR

$99

Excellent CreditApply NowView Card Details
  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases

Journey® Student Rewards from Capital One®

Hide BenefitsShow Benefits
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

19.8% (Variable) APR

19.8% (Variable) APR

No balance transfer fee

$0

Average CreditApply NowView Card Details
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

Ink Cash® Business Credit Card

Hide BenefitsShow Benefits
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

0% APR
for 12 months

13.24% (Variable) APR after that

0% APR
for 12 months

13.24% (Variable) APR after that

No Annual Fee

Excellent CreditApply NowView Card Details
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

The Amex EveryDay® Credit Card from American Express

Hide BenefitsShow Benefits
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Starwood Preferred Guest® Credit Card from American Express

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  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn free nights at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Earn up to 5 Starpoints on purchases at participating SPG hotels.
  • That's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • $0 introductory annual fee for the first year, then $65
  • Terms and Limitations Apply.

15.24% - 19.24% variable APR

15.24% - 19.24% variable APR

$0 introductory annual fee for the first year, then $65

Excellent CreditApply NowView Card Details
  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn free nights at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Earn up to 5 Starpoints on purchases at participating SPG hotels.
  • That's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • $0 introductory annual fee for the first year, then $65
  • Terms and Limitations Apply.

Business Green Rewards Card from American Express OPEN

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  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply

N/A

N/A

$0 introductory annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply

SimplyCash® Business Card from American Express

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  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

0% APR
for 9 months

12.24% - 19.24% Variable APR after that

12.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

The Platinum Card® from American Express

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  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

N/A

N/A

$450

Excellent CreditApply NowView Card Details
  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

Chase Slate®

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  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Starwood Preferred Guest® Business Credit Card from American Express

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  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries. Some hotels and resorts have mandatory service charges
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of all other eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 introductory annual fee for the first year, then $65

Excellent CreditApply NowView Card Details
  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries. Some hotels and resorts have mandatory service charges
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of all other eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

Blue Cash Preferred® Card from American Express

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  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$75

Excellent CreditApply NowView Card Details
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Gold Delta SkyMiles® Business Credit Card from American Express

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
  • Terms and limitations apply

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 introductory annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
  • Terms and limitations apply

Capital One® Spark® Miles for Business

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  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Spark® Cash Select for Business

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  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

The Business Platinum Card® from American Express OPEN

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  • Welcome Offer: Get 40,000 Membership Rewards®points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • A Premium Card with access to over 40 benefits to help power your business
  • Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more
  • Complimentary access to over 700 airport lounges worldwide
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
  • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
  • Purchasing power that can adjust as your business evolves
  • Terms & Restrictions Apply

N/A

N/A

$450

Excellent CreditApply NowView Card Details
  • Welcome Offer: Get 40,000 Membership Rewards®points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • A Premium Card with access to over 40 benefits to help power your business
  • Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more
  • Complimentary access to over 700 airport lounges worldwide
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
  • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
  • Purchasing power that can adjust as your business evolves
  • Terms & Restrictions Apply

Capital One® Classic Platinum Credit Card

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  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

20.9% (Variable) APR

20.9% (Variable) APR

No balance transfer fee

$39

Average CreditApply NowView Card Details
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

The Blue for Business® Credit Card from American Express

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  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

0% APR
for 9 months

11.24% - 19.24% Variable APR after that

11.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

BankAmericard® Credit Card

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  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Barclaycard® Rewards MasterCard®

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  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

24.99%* Variable APR

24.99%* Variable APR

$0

Average CreditApply NowView Card Details
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

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  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0 intro* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

Fingerhut Credit Account

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  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No Annual Fees
  • No Over Limit Fees
  • Get $25 off orders of $100 or more with a new approved credit application (issued by WebBank). Use Promo Code NC742. Limited time only.
  • Get $50 off orders of $200 or more with a new approved credit application (issued by WebBank). Use Promo Code NC801. Limited time only.
  • You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

24.90% APR

24.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No Annual Fees
  • No Over Limit Fees
  • Get $25 off orders of $100 or more with a new approved credit application (issued by WebBank). Use Promo Code NC742. Limited time only.
  • Get $50 off orders of $200 or more with a new approved credit application (issued by WebBank). Use Promo Code NC801. Limited time only.
  • You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

Barclaycard® Ring MasterCard®

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  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

8.00% (Variable) APR

8.00% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Capital One® Platinum Credit Card

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  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

24.9% (Variable) APR

24.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $19 after that

Average CreditApply NowView Card Details
  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

The Enhanced Business Gold Rewards Card from American Express OPEN

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  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
  • 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply

N/A

N/A

$0 introductory annual fee for the first year, then $175

Excellent CreditApply NowView Card Details
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
  • 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply

Capital One® Spark® Classic for Business

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  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

22.9% (Variable) APR

22.9% (Variable) APR

No balance transfer fee

$0

Average CreditApply NowView Card Details
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

primor® Secured MasterCard Gold Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

9.99% APR

9.99% APR

$49

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

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  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

0% APR
for 12 months

11.9% - 19.9% (V) APR after that

11.9% - 19.9% (V) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

Milestone Gold MasterCard®

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  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

23.9% APR

23.9% APR

$35 - $99*

Excellent CreditApply NowView Card Details
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

Webster Bank Visa® Bonus Rewards Card

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  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

FasterMoney™ Visa® Prepaid Card

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  • Get paid fast with free* direct deposit
  • No overdraft fees - spend only what you load
  • No credit check required (pending ID verification)
  • Get cash from a 24,000 fee-free ATM** network
  • Issued by MetaBank®, Member FDIC

N/A

N/A

$3.95 or $0 with monthly $500 direct deposit load

Rebuilding CreditApply NowView Card Details
  • Get paid fast with free* direct deposit
  • No overdraft fees - spend only what you load
  • No credit check required (pending ID verification)
  • Get cash from a 24,000 fee-free ATM** network
  • Issued by MetaBank®, Member FDIC

Sony Card from Capital One®

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  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

Simmons Bank Visa® Platinum

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

7.25% (Variable) APR

7.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

Simmons Bank Visa® Platinum Rewards

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

9.25% (Variable) APR

9.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

Capital One® Spark® Miles Select for Business

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  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Secured MasterCard®

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  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

24.9% (Variable) APR

24.9% (Variable) APR

No balance transfer fee

$0

Rebuilding CreditApply NowView Card Details
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

primor® Secured MasterCard Classic Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

13.99% APR

13.99% APR

$39

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

U.S. Bank FlexPerks® Travel Rewards American Express® Card

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  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

13.99% - 23.99%* (Variable) APR

13.99% - 23.99%* (Variable) APR

$0* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

U.S. Bank Business Edge™ Select Rewards Card

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  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

primor® Secured Visa Gold Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • *See application for additional details

9.99% APR

9.99% APR

$49

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • *See application for additional details

U.S. Bank FlexPerks® Select+ American Express® Card

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  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

13.99% - 23.99%* (Variable) APR

0% APR
9 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

U.S. Bank Perks+ Visa Signature® Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

AccountNow® Prepaid MasterCard®

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  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted

AccountNow® Prepaid Visa® Card

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  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage

The Plum Card® from American Express OPEN

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  • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • LIMITED TIME OFFER ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
  • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
  • The power to buy big with a spending limit that can grow with your business.
  • No Foreign Transaction Fees.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for each additional Employee Plum Card.
  • Terms & Restrictions Apply.

N/A

N/A

$0 introductory annual fee for the first year, then $250

Excellent CreditApply NowView Card Details
  • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • LIMITED TIME OFFER ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
  • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
  • The power to buy big with a spending limit that can grow with your business.
  • No Foreign Transaction Fees.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for each additional Employee Plum Card.
  • Terms & Restrictions Apply.

USAA Rewards™ American Express® Card

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  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

READYdebit® Visa® Prepaid Card

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  • Instant Account Number - Great for Tax Refund Direct Deposit!
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker*
  • Choose Your Card Color - Blue or Pink.

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • Instant Account Number - Great for Tax Refund Direct Deposit!
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker*
  • Choose Your Card Color - Blue or Pink.

Credit One Bank® Credit Card with Gas Rewards

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  • Earn unlimited 1% cash back on gas purchases with this card
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Earn unlimited 1% cash back on gas purchases with this card
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score

AccountNow® Gold Visa® Prepaid Card

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  • Get Paid up to 2 days faster with Free Direct Deposit - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • Get Paid up to 2 days faster with Free Direct Deposit - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

Gettington Credit Card

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  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

14.90% - 19.90% APR

14.90% - 19.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

Milestone Gold MasterCard®

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  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access - 24/7

23.9% APR

23.9% APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access - 24/7

PEX Visa® Prepaid Card For Business

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  • Instantly fund employee purchases
  • Gain 24/7 control over where and how much employees spend
  • Save money - no surprise interest charges or overdraft fees.
  • Free Trial Period - No Monthly Fee for at least 2 months after you enroll
  • No transaction fees
  • No deposit fees
  • Cards are personalized with the cardholder's name
  • The funds on deposit are corporate funds - not employee-owned

N/A

N/A

$7.50 monthly fee

Rebuilding CreditApply NowView Card Details
  • Instantly fund employee purchases
  • Gain 24/7 control over where and how much employees spend
  • Save money - no surprise interest charges or overdraft fees.
  • Free Trial Period - No Monthly Fee for at least 2 months after you enroll
  • No transaction fees
  • No deposit fees
  • Cards are personalized with the cardholder's name
  • The funds on deposit are corporate funds - not employee-owned

U.S. Bank Business Edge™ Cash Rewards Card

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  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

The Amex EveryDay® Preferred Credit Card from American Express

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  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$95

Excellent CreditApply NowView Card Details
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

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  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

11.99% - 17.99%* (Variable) APR

11.99% - 17.99%* (Variable) APR

$0 intro for the first year, then $55*

Excellent CreditApply NowView Card Details
  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

American Express Serve®

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  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 27,500 CVS/pharmacy®, Family Dollar®, Walmart®, and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more.
  • *Terms, conditions and exclusions apply.

N/A

N/A

$1 Monthly Fee (no fee NY, TX & VT)*

Rebuilding CreditApply NowView Card Details
  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 27,500 CVS/pharmacy®, Family Dollar®, Walmart®, and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more.
  • *Terms, conditions and exclusions apply.

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

0% APR
until March 2016

22.9% (Variable) APR after that

0% APR
until March 2016

22.9% (Variable) APR after that

No balance transfer fee

$39

Average CreditApply NowView Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

Credit One Bank® - Earn More Credit Fast

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  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon

First Progress Platinum Select MasterCard® Secured Credit Card

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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

14.99% APR

14.99% APR

$39

See TermsApply NowView Card Details
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

Credit One Bank® Credit Card - Online Monthly Credit Score Tracking Included

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  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

FairApply NowView Card Details
  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule

USAA Rate Advantage Platinum MasterCard®

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  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

6.90% to 23.90%* APR

6.90% to 23.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

USAA Cash Rewards® Visa®

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  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

USAA Secured Cards® American Express® Card

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  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

9.90% to 19.90%* APR

9.90% to 19.90%* APR

$35*

See Terms*Apply NowView Card Details
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.


Hide BenefitsShow Benefits
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

9.90% to 19.90%* APR

9.90% to 19.90%* APR

$35*

See Terms*Apply NowView Card Details
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

PlayStation® Card from Capital One®

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  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

First Progress Platinum Prestige MasterCard® Secured Credit Card

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  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

11.99% APR

11.99% APR

$44

Rebuilding CreditApply NowView Card Details
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

The First Progress Platinum Elite MasterCard® Secured Credit Card

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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

19.99% APR

19.99% APR

$29

Rebuilding CreditApply NowView Card Details
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

OpenSky® Secured Visa® Credit Card

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  • Build Your Credit, with monthly updates to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200
  • Apply in less than 5 minutes, NO credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.

17.50% variable APR APR

17.50% variable APR APR

$29

Rebuilding CreditApply NowView Card Details
  • Build Your Credit, with monthly updates to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200
  • Apply in less than 5 minutes, NO credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.

Credit One Bank® Platinum Card

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  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

FairApply NowView Card Details
  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges

Capital One® Spark® Select for Business

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  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

0% APR
until March 2016

10.9% - 18.9% (Variable) APR after that

10.9% - 18.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

PayPal™ Prepaid MasterCard®

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  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.

N/A

N/A

$4.95 monthly

Rebuilding CreditApply NowView Card Details
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.

NetSpend® Visa® Prepaid Card

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  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.

N/A

N/A

$9.95 monthly fee

Rebuilding CreditApply NowView Card Details
  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.

READYdebit® Visa Mint Control Prepaid Card

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  • $0 Monthly Fee*
  • Free* Direct Deposit
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

See website for Details* APR

See website for Details* APR

See website for Details*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee*
  • Free* Direct Deposit
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

READYdebit® Visa Latte Control Prepaid Card

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  • $0 Monthly Fee*
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

See website for Details* APR

See website for Details* APR

See website for Details*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee*
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

primor® Secured Visa Classic Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

13.99% APR

13.99% APR

$39

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

U.S. Bank Business Edge™ Platinum Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Target REDcard Credit Card

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  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.

22.90% APR

22.90% APR

$0

Excellent CreditApply NowView Card Details
  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.

Plenti℠ Credit Card from Amex

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  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

0% APR
for 12 months

14.99% - 24.99% Variable APR after that

14.99% - 24.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

Wells Fargo Secured Visa Card

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  • Low annual fee relative to other secured credit cards
  • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
  • Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history.
  • A typical 25 day grace period

18.99% APR

18.99% APR

$25

Rebuilding CreditApply NowView Card Details
  • Low annual fee relative to other secured credit cards
  • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
  • Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history.
  • A typical 25 day grace period

Wells Fargo Cash Back Visa Signature® Card

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  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

No annual fee

Excellent CreditApply NowView Card Details
  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

Wells Fargo Cash Back College Visa® Card

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  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

$0

FairApply NowView Card Details
  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

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What is a Minimum Payment? http://www.cardbenefit.com/what-is-a-minimum-payment/ http://www.cardbenefit.com/what-is-a-minimum-payment/#comments Sat, 04 Jul 2015 06:16:08 +0000 http://www.cardbenefit.com/?p=3619 Even if you do not have an annual fee for your card, the minimum payment acts as a sort of fee to the credit card company every month. Unless your balance is at zero, then you don’t have any fee, minimum or otherwise.

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minimum payment
Many of you have probably noticed that the little section on your credit card bill that reads “Minimum Payment” is considerably lower than your entire bill. The convenience of owning a credit card is having the option of putting off a bill, like a loan, and paying it later. You still have to pay something every month if you want to avoid any penalty fees, though. That is where the minimum payment comes in — the lowest amount of money that you are required to pay on your credit card statement each month.

 

Minimum Fee Calculation

Every credit card company will stipulate their minimum payment calculations in the agreement you initially sign. This will either be a flat fee, or it will be a percentage of your outstanding balance. Credit card companies are required to set the minimum fee so it is possible to bring your balance down, provided you don’t charge anything extra to your balance.

If your minimum payment is based on a percentage of your balance, it could be anywhere between 2% and 5% on average.  If it is calculated based on a flat fee, it is all fees and interest due that month, plus 1 percent of the principal amount owed. Again, this will be specified in the terms you initially agreed to when you signed up with your credit card.

Pitfalls

Paying the minimum on occasion is not a bad thing. However, it can be a dangerous habit to get into. With the interest accrued on your balance the next month, as well as the additional charges added with your next month’s statement, your balance will continue to grow. Becoming dependent on those minimum payments will not lessen your balance if you continue adding charges to your account. This is how many people fall into debt.

Failure to pay at least the minimum payment will not only bring on penalty fees, but it can also damage your credit rating, and in worse cases, cause the credit card company to take legal action in recovering the money they lent you with their credit card.

Low Interest Credit Cards

Although all credit cards have a minimum fee, some credit cards are less of a worry than others. If you think you are the type of person who depends too much on paying the minimum, then using low interest credit cards that would be safer for your budget.

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How Many Credit Cards Should I Own? http://www.cardbenefit.com/how-many-credit-cards-should-i-own/ http://www.cardbenefit.com/how-many-credit-cards-should-i-own/#comments Sat, 04 Jul 2015 01:59:55 +0000 http://www.cardbenefit.com/?p=13871 All in all, what’s most important isn’t the number of accounts on your credit report, but what you do with them. Before making a financial decision, think about how the number of accounts you have will affect other credit score factors; check your credit report to see how you are doing. In the end, having 20 accounts is no better or worse than having two, as long as you make sure to pay the bills on time and keep your balances low.

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credit cards First things first, let’s distinguish between a credit account and a credit card. A credit account refers to any account listed on your report, and includes credit cards, as well as mortgages, auto loans, personal loans, etc. A credit card is issued by a financial company giving the user the option to borrow funds, commonly at point of purchase. These cards charge interest and are primarily used for short-term financing.

How many credit cards should I carry?

There is no exact optimal number of open accounts; this will depend entirely on your situation. You should definitely have at least one card for convenience; when you rent a car, rent a hotel, travel abroad, or find yourself needing to cover emergency expenses, having a credit card and a decent monthly credit limit is favorable, especially if you do not have immediate cash in your wallet or money in your debit account to cover a large purchase.

What are the pros and cons of having one credit card?

PROS

    • Having one card might make it easy to keep track of payments or purchases, as well as watch out for identity theft or fraud.
    • A single credit card might help to minimize total spending.
    • One account means only one annual fee, if any.

 

CONS

    • Having one card can make it difficult to keep a low credit utilization ratio (amount of debt vs amount of credit available), which is important for maintaining a good credit score.
    • Some credit card are not accepted everywhere.
    • You don’t have a safety net if this card is stolen or compromised.

What are the pros and cons of having multiple cards?

PROS

    • Lower credit card utilization/Higher credit score.
      Having more than one card allows you to spread out your balances, so you aren’t close to hitting the credit limit on one particular account. A higher credit limit also means lower credit card utilization.
    • Represents your financial accountability. Having many different accounts generally shows that more lenders believe in your ability to repay debt. Having many accounts on your report also helps establish that you have a positive track record of responsible credit behavior.
    • Prepared for emergencies. If a credit card company freezes or cancels your card because of potential fraudulent activity, you will have at least have a backup card as you wait out the 3-7 days it takes to mail in a new card.
    • Better Rewards. A greater variety of cards could earn you better rewards. Some cards give higher rewards back for certain purchases, such as groceries and gas, while others give travel points when you travel or dine out. Sometimes, other cards offer special perks, such as buy-one-get-one free movie tickets or auto rental insurance.

 

CONS

    • Having a short credit history could hurt your credit score. Don’t open new accounts solely to improve your score, because the number of cards you own falls under the smallest weighted category of a credit score: the type of credit you use.
    • May impact your ability to borrow money. If you have too many cards with high credit limits, a lender might consider, ‘What if you ran those credit cards up, what would your debt-to-income ratio be?’
    • Multiple cards is a hassle. Make sure you can juggle multiple balances and payment dates. Credit card companies can close inactive accounts, which will affect your credit score. If your card has an annual fee, instead of closing the account, consider downgrading to the no-fee version.
    • Overspending. Having too much credit might trick you into spending more. If you have a high interest rewards card, make sure you don’t leave a balance on it, otherwise the rewards you get might not be worth the money you spend on interest.

 

And the verdict is…

The ideal for most is 3-5 cards, maybe one or two rewards credit cards for everyday use, and another a low-interest card for emergencies. Why not just have one? Because you want to earn rewards from your purchases, but rewards cards tend to have higher interest rates, so you don’t want to carry a balance on the card. If you start to use too much of your credit limit per account, you can add a new card, but you could also request to increase the credit limit. Frequent spenders should spread their debt out on 3-5 cards so that you are using under 20% of each card’s limit every month.

All in all, what’s most important isn’t the number of accounts on your credit report, but what you do with them. Before making a financial decision, think about how the number of accounts you have will affect other credit score factors; check your credit report to see how you are doing. In the end, having 20 accounts is no better or worse than having two, as long as you make sure to pay the bills on time and keep your balances low.

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Credit Card Terms and Definitions http://www.cardbenefit.com/credit-card-terms-and-definitions/ http://www.cardbenefit.com/credit-card-terms-and-definitions/#comments Fri, 03 Jul 2015 17:35:29 +0000 http://www.cardbenefit.com/?p=13825 Do you read the fine print of a credit card offer? If you don’t understand the language, you may be frustrated. Read here to see what these frequently used credit card terms mean.

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credit card termsCredit card fine print and statements are filled with terms, numbers, and percentages that play a vital role in calculating rewards or credit card balance. Although most consumers use credit cards today, many of us do not understand the credit card terms and conditions. If you don’t understand the language, you may be frustrated. Here’s what these frequently used credit card terms and definitions mean:


Address on file is the address that is recorded in your credit card account. It is the address that you provided on your application to open the credit card, unless you have provided a notice of a change of address in accordance with the terms disclosed on the back of your bill, in which case that new address is the address of record.


Annual fee is a fee charged once a year for maintaining an account and for any special services.


Annual percentage rate (APR) is the interest rate charged on credit card balances expressed in a standardized, annualized way. This rate is applied each month that an outstanding balance is present.

Lenders are required by law to disclose the APR. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans.


APR stands for annual percentage rate, and it is the interest rate charged on credit card balances expressed in a standardized, annualized way. The APR is applied each month that an outstanding balance is present on a credit card.


Available Credit is the amount of unused credit available. Available credit is computed by subtracting the outstanding balance from your total credit line.


Average daily balance is the average balance for each day in the billing period, calculated by adding all daily balances together and dividing that total amount by the number of days in the billing period.

This is the method by which most credit cards calculate your payment due. An average daily balance is determined by adding each day’s balance and then dividing that total by the number of days in a billing cycle. The average daily balance is then multiplied by a card’s monthly periodic rate, which is calculated by dividing the annual percentage rate by 12. A card with an annual rate of 18 percent would have a monthly periodic rate of 1.5 percent. If that card had a $500 average daily balance it would yield a monthly finance charge of $7.50.


Balance is the amount you owe on your credit card. When a consumer does not pay the monthly amount owed in full, and carries a balance over a monthly billing period, the card issuer charges the consumer for the privilege of borrowing, in an amount set by the card’s interest rate.


Balance Transfer occurs when the outstanding balance of one credit card (or several credit cards) is moved to another credit card account. This is often done by consumers looking for a lower interest rate. Many credit card issuers offer introductory balance transfer APRs that are lower than the standard rates.


Balance transfer fee is a fee charged by a credit card company to transfer a balance from one account to another. This fee can be anywhere from 1 percent to 5 percent of the balance amount. The fee may or may not have a cap — in other words, a maximum amount. Caps on balance transfer fees used to be common, but have become less so in recent years. Contact the credit card issuer for their specific fees.


Billing Cycle is the number of days in the billing period. It includes the day after the previous close date through the current closing date of the account.


Cash advance is cash withdrawn from the available credit of your credit card account. There is no grace period for cash advances. Interest accrues daily and at a higher APR than on purchases or balance transfers until the complete balance is paid in full. Credit card cash advances have many disadvantages for consumers. Generally, you cannot take a cash advance for the full amount of your available credit. A transaction fee, which is a percentage of the cash advance, is usually charged.


Cash advance check works like a personal check except the amount is charged to your credit card account. This check can be written to your choice of recipients and for any amount up to your available credit limit. These types of checks are posted as cash advances and will incur a transaction finance charge.


Cash advance fee is a fee assessed on the date a new cash advance transaction is posted to an account. A charge by the bank for using credit cards to obtain cash. This fee can be stated in terms of a flat per-transaction fee or a percentage of the amount of the cash advance. For example, the fee may be expressed as follows: “2%/$10″. This means that the cash advance fee will be the greater of 2 percent of the cash advance amount or $10.

The banks may limit the amount that can be charged to a specific dollar amount. Depending on the bank issuing the card, the cash advance fee may be deducted directly from the cash advance at the time the money is received or it may be posted to your bill as of the day you received the advance. The cost of a cash advance is also higher because there generally is no grace period. Interest accrues from the moment the money is withdrawn.


Cash advance rate – When consumers take out cash advances, they are usually charged a higher rate. The cash advance rate is higher because these loans are viewed as riskier for banks. The interest rate is typically charged from the moment of the cash advance.


Credit is a promise to repay a debt for purchases you make. It allows you to buy something today and pay for it later.


Credit bureau is a credit-reporting agency that checks credit information and keeps files on people who apply for and use credit. The Credit Bureau produces a Credit Report, which is a record of a consumer’s level of indebtedness and bill paying behavior. The agencies compile the report and release it to lenders and others as permitted by law.


Credit limit also known as Credit Line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.


Credit score also known as a credit rating. Many lenders use this numeric calculation of your credit report to obtain a fast, objective measure of your credit risk, and consider your score when deciding whether or not to approve a loan.


EMV stands for Europay, MasterCard and Visa. EMV is a global standard for credit cards equipped with computer chips and the technology used to authenticate chip-card transactions. EMV technology provides extra security when credit cards are used in chip card readers. An EMV Chip-enabled credit card, often called “chip and PIN”, “chip and signature” or “Chip-enabled smart card”, securely embeds a cardholder’s confidential data in the chip instead of the traditional magnetic stripe, thus making it more difficult for fraudsters to counterfeit cards.


Finance charge is the charge for using a credit card, comprised of interest costs and other fees, expressed in a dollar amount.


Finance charges are the amounts billed when one does not pay their monthly credit card balance in full. The size of a finance charge will vary depending on the amount charged and the interest rate.


Float is when a cardholder makes a purchase or obtains an advance, the transactions may not post for a few days. The charge amount is not added to the balance of the account until the transaction does post. The time between purchase and posting is referred to as the float.


Grace period is between the date of the credit card billing statement and the date payment in full must be received before interest begins to accrue on new purchases.

If the credit card user does not carry a balance, the grace period is the interest-free time a lender allows between the transaction date and the billing date. The standard grace period is usually between 20 and 30 days. If there is no grace period, finance charges will accrue the moment a purchase is made with the credit card. People who carry a balance on their credit cards have no grace period.


Interest Rate is the price that a bank or financial institution charges a customer for borrowing money. On credit cards, interest rates are a little trickier, because lenders set multiple interest rates. For example, you may have a low, teaser (introductory) rate when you open an account, followed by a higher standard rate for purchases, which turns into a penalty rate if you pay late. So you may end up owing a balance to a credit card company with multiple interest rates. Interest rates on credit cards are expressed in a standardized way so consumers can more easily compare cards. That standard way is known as the APR, which stands for annual percentage rate.


Introductory rates – Credit cards often offer lower introductory APRs as special promotional offers. After a period of time, the rate usually returns to the standard rate. It’s important to read the terms and conditions for all credit cards to fully understand how long the introductory rate will last and what the rate will be at the end of the introductory period.

It is the below-market interest rate offered to entice customers to switch credit cards or lenders.


Issuer – an issuer (or issuing member) is a financial institution which issues credit cards such as Visa® or MasterCard®.


Late payment fee may be imposed if the minimum monthly payment is not received by the Payment Due Date. In order to avoid late fees, ensure that you pay at least the minimum amount by the due date. Late payments may affect your credit history negatively, even if your entire outstanding balance is later paid in full. Occasional late fees are capped at $25 under federal regulations.


Monthly finance charge – If your credit card balance is not paid in full, you will be charged a Monthly Finance Charge. The charge is calculated on the statement closing date by multiplying the Average Daily Balance on the account by the Monthly Finance Charge rate (the Annual Percentage Rate divided by 12).


Minimum Monthly Payment is the minimum dollar amount that must be paid each month to prevent a credit card account from being delinquent. The amount is based on the percentage of your outstanding balance or a minimum fixed amount.

The industry standard is now to calculate the minimum in one of two ways: either 2 percent to 5 percent of the total balance due, or, all fees and interest due that month, plus 1 percent of the principal amount owed.


Minimum finance charge – You will be charged a minimum finance charge if the calculated amount of your finance charge is less than the minimum finance charge set by your credit card company for a billing cycle. For example, your finance charge may be calculated to be $0.35 but if the company’s minimum finance charge is $0.50, you’ll pay $0.50. A minimum finance charge applies only when you must pay a finance charge — that is, when you carry over a balance from one billing cycle to the next. Not to be confused with minimum payment.


Outstanding balance is the amount you owe on your credit card. This is the balance used to calculate payments and on which interest is charged.


Over the credit limit fee is the fee that may be imposed if your outstanding balance exceeds your credit limit on the card.


Payment due date is the date when your payment must reach your bank to avoid a late payment fee (if applicable).


Penalty rate – The penalty rate, also called the default rate, is the very high interest rate charged by the credit card issuer when a borrower violates the card’s terms and conditions. The penalty rate is triggered most often when cardholders are late making monthly payments. This penalty rate can be lowered or cancelled if the account holder makes six consecutive on time payments immediately following the late payment.


Periodic Rate is the interest rate described in relation to a specific amount of time. The monthly periodic rate, for example, is the cost of credit per month; the daily periodic rate is the cost of credit per day.


Personal identification numbers (PINs) are secret numbers that customers use to access their accounts via ATMs.


Preapproved means that a potential customer has passed a preliminary credit-information screening. A credit card company can spurn the customers it invited with “pre-approved” junk mail if it doesn’t like the applicant’s credit rating.


Prime rate – Most credit cards use the “prime rate” as a base rate (e.g., “prime + 12%”). The prime rate used is taken from the Money Rates column of The Wall Street Journal. The prime rate is merely a base rate used to make loans to certain borrowers.


Purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky.


Returned payment fee is charged by a credit card issuer if you pay your bill with a check that bounces.


Secured credit card is a credit card that requires you to pledge collateral to receive credit. Your credit line is determined by the amount you deposit into a collateral account. It is used by people new to credit, or people trying to rebuild their poor credit ratings.


Statement credit is a credit that appears on credit card account statement. Statement credit usually is a way that banks give rewards to credit-card members. It offsets existing expenses on the credit-card statement.


Total finance charge is the amount that a consumer pays for credit card borrowing. The total finance charge is calculated in several ways, most commonly by multiplying the average daily balance by the daily periodic rate by the total number of days in the billing cycle. The charge is applied to credit card bills monthly.


Unsecured credit card is a credit card that is not secured with collateral. A customer can qualify for unsecured credit based on their credit history and financial strength.


Variable Interest Rate – With variable-rate cards, your APR (annual percentage rate) can change. Usually, the rate is tied to another rate called an index. Also known as a floating rate. In the United States, most credit cards have variable rates, and most of them are pegged to one such index, the prime rate. The prime rate, in turn, moves in lock step with an interest rate set by the Federal Reserve called the federal funds rate. So if you see a headline that says “Fed raises interest rates” it means your cost of carrying a balance on your credit card likely just went up. In your credit card terms and conditions document, the variable rate is often stated as an index plus a margin. For example, your document might say your rate is “Index + 10.99 percent.” If the prime rate is your index and is at 4 percent, your card’s interest rate is 14.99 percent.

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No Foreign Transaction Fee Credit Cards http://www.cardbenefit.com/no-foreign-transaction-fee-credit-cards/ http://www.cardbenefit.com/no-foreign-transaction-fee-credit-cards/#comments Fri, 03 Jul 2015 15:40:40 +0000 http://www.creditfaves.com/?page_id=284 If you travel abroad, use a credit card without foreign transaction fee to save 3% surcharge. Check out these credit cards with no foreign transaction fees.

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Do you know most credit cards charge a surcharge between 1% to 3% on your purchases in foreign countries. For example, if you use your credit card for a purchase of $1,000 in Canada, you might end up with paying a bill of $1,030 after the 3% foreign-transaction fee being factored in. This is why credit cards with no foreign transaction fees are popular with international travelers.

Fortunately, credit cards issued by Capital One or Discover Card do not charge foreign transactions fees. In addition, a few airline credit cards or travel credit cards do not charge such fees either. Compare the following no transaction fee credit cards, including some from our partners, to find one that’s a good fit. (About Our Partners)

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Back to top

Gold Delta SkyMiles® Credit Card from American Express

Hide BenefitsShow Benefits
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 intro annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

Capital One® Spark® Cash for Business

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  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don't expire

Capital One® Venture® Rewards Credit Card

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  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

12.9% - 22.9% (Variable) APR

12.9% - 22.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

IHG® Rewards Club Select Credit Card

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  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49

15.99% Variable APR

15.99% Variable APR

$0 introductory annual fee the first year, then $49

Excellent CreditApply NowView Card Details
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49

United MileagePlus® Explorer Card

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  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

Capital One® Quicksilver® Cash Rewards Credit Card

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  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

0% APR
until March 2016

12.9% - 22.9% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

BankAmericard Cash Rewards™ Credit Card

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  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

0% APR
12 billing cycles

12.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • $100 online 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/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 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. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Marriott Rewards® Premier Credit Card

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  • The fastest way to earn Marriott Rewards points towards free nights
  • Earn 50,000 Points after spending $1,000 on purchases on your first 3 months from account opening
  • Receive 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee for the first year, then $85

Excellent CreditApply NowView Card Details
  • The fastest way to earn Marriott Rewards points towards free nights
  • Earn 50,000 Points after spending $1,000 on purchases on your first 3 months from account opening
  • Receive 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 Elite Credits guaranteeing Silver Elite Status or better
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers

Ink Plus® Business Credit Card

Hide BenefitsShow Benefits
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn
  • No foreign transaction fees
  • Global acceptance with Chip Technology
  • Free employee cards
  • $0 intro annual fee for the first year, then $95

15.24% Variable APR

15.24% Variable APR

$0 intro annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn
  • No foreign transaction fees
  • Global acceptance with Chip Technology
  • Free employee cards
  • $0 intro annual fee for the first year, then $95

British Airways Visa Signature® Card

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  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

15.99% Variable APR

15.99% Variable APR

$0 Intro Annual Fee The First Year, Then $95

Excellent CreditApply NowView Card Details
  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

BankAmericard Travel Rewards® Credit Card

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  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

0% APR
12 billing cycles

14.99% - 22.99% Variable APR after that

14.99% - 22.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

Capital One® VentureOne® Rewards Credit Card

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  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

0% APR
until June 2016

11.9% - 21.9% (Variable) APR after that

11.9% - 21.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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 per dollar 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 June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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

American Express® Premier Rewards Gold Card

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  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.

N/A

N/A

Introductory annual fee of $0 for the first year, then $195

Excellent CreditApply NowView Card Details
  • Earn 25,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 3 months.
  • New: 2X points at U.S. restaurants.
  • Earn 3X points for flights booked with airlines, Earn 2X points at US supermarkets and US gas stations. Earn 1X points on other purchases. Terms and limitations apply.
  • New: There are no foreign transaction fees with your Premier Rewards Gold Card.
  • New: $100 Airline Fee Credit. Up to $100 a year for incidental fees with your selected airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges any time you use your Card to book a stay of at least two consecutive nights.
  • $0 Annual Fee for the 1st year, then $195.
  • Terms and limitations apply.

Blue Cash Everyday® Card from American Express

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  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

Chase Freedom®

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  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

0% APR
for 15 months

13.99% - 22.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

Southwest Airlines Rapid Rewards® Premier Credit Card

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  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases

15.99% Variable APR

15.99% Variable APR

$99

Excellent CreditApply NowView Card Details
  • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account.
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW - Chip-enabled cards with 24/7 fraud monitoring
  • Points Don't Expire, No Blackout Dates, Bags Fly Free®
  • 6,000 points after your Cardmember Anniversary
  • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases

Journey® Student Rewards from Capital One®

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  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

19.8% (Variable) APR

19.8% (Variable) APR

No balance transfer fee

$0

Average CreditApply NowView Card Details
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

Ink Cash® Business Credit Card

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  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

0% APR
for 12 months

13.24% (Variable) APR after that

0% APR
for 12 months

13.24% (Variable) APR after that

No Annual Fee

Excellent CreditApply NowView Card Details
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

The Amex EveryDay® Credit Card from American Express

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  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Starwood Preferred Guest® Credit Card from American Express

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  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn free nights at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Earn up to 5 Starpoints on purchases at participating SPG hotels.
  • That's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • $0 introductory annual fee for the first year, then $65
  • Terms and Limitations Apply.

15.24% - 19.24% variable APR

15.24% - 19.24% variable APR

$0 introductory annual fee for the first year, then $65

Excellent CreditApply NowView Card Details
  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn free nights at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Earn up to 5 Starpoints on purchases at participating SPG hotels.
  • That's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • $0 introductory annual fee for the first year, then $65
  • Terms and Limitations Apply.

Business Green Rewards Card from American Express OPEN

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  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply

N/A

N/A

$0 introductory annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply

SimplyCash® Business Card from American Express

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  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

0% APR
for 9 months

12.24% - 19.24% Variable APR after that

12.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by September 21, 2015
  • With no annual membership fee, it's a smart choice for your business
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
  • Terms and limitations apply

The Platinum Card® from American Express

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  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

N/A

N/A

$450

Excellent CreditApply NowView Card Details
  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

Chase Slate®

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  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

0% APR
for 15 months

12.99% - 22.99% Variable APR after that

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 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.
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Starwood Preferred Guest® Business Credit Card from American Express

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  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries. Some hotels and resorts have mandatory service charges
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of all other eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 introductory annual fee for the first year, then $65

Excellent CreditApply NowView Card Details
  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries. Some hotels and resorts have mandatory service charges
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of all other eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

Blue Cash Preferred® Card from American Express

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  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$75

Excellent CreditApply NowView Card Details
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Gold Delta SkyMiles® Business Credit Card from American Express

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
  • Terms and limitations apply

15.24% - 19.24% Variable APR

15.24% - 19.24% Variable APR

$0 introductory annual fee for the first year, then $95

Excellent CreditApply NowView Card Details
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
  • Terms and limitations apply

Capital One® Spark® Miles for Business

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  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

13.9% - 20.9% (Variable) APR

13.9% - 20.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $59 after that

Excellent CreditApply NowView Card Details
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Spark® Cash Select for Business

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  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire

The Business Platinum Card® from American Express OPEN

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  • Welcome Offer: Get 40,000 Membership Rewards®points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • A Premium Card with access to over 40 benefits to help power your business
  • Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more
  • Complimentary access to over 700 airport lounges worldwide
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
  • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
  • Purchasing power that can adjust as your business evolves
  • Terms & Restrictions Apply

N/A

N/A

$450

Excellent CreditApply NowView Card Details
  • Welcome Offer: Get 40,000 Membership Rewards®points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • A Premium Card with access to over 40 benefits to help power your business
  • Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more
  • Complimentary access to over 700 airport lounges worldwide
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
  • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
  • Purchasing power that can adjust as your business evolves
  • Terms & Restrictions Apply

Capital One® Classic Platinum Credit Card

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  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

20.9% (Variable) APR

20.9% (Variable) APR

No balance transfer fee

$39

Average CreditApply NowView Card Details
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

The Blue for Business® Credit Card from American Express

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  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

0% APR
for 9 months

11.24% - 19.24% Variable APR after that

11.24% - 19.24% Variable APR

No annual fee

Excellent CreditApply NowView Card Details
  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within yourfirst 3months of Card Membership - valued at up to $100 in gift cards at select merchants
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

BankAmericard® Credit Card

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  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

0% APR
15 billing cycles

10.99% - 20.99% Variable APR after that

$0

Excellent CreditApply NowView Card Details
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Barclaycard® Rewards MasterCard®

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  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

24.99%* Variable APR

24.99%* Variable APR

$0

Average CreditApply NowView Card Details
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

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  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

0% APR
12 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0 intro* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.

Fingerhut Credit Account

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  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No Annual Fees
  • No Over Limit Fees
  • Get $25 off orders of $100 or more with a new approved credit application (issued by WebBank). Use Promo Code NC742. Limited time only.
  • Get $50 off orders of $200 or more with a new approved credit application (issued by WebBank). Use Promo Code NC801. Limited time only.
  • You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

24.90% APR

24.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No Annual Fees
  • No Over Limit Fees
  • Get $25 off orders of $100 or more with a new approved credit application (issued by WebBank). Use Promo Code NC742. Limited time only.
  • Get $50 off orders of $200 or more with a new approved credit application (issued by WebBank). Use Promo Code NC801. Limited time only.
  • You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

Barclaycard® Ring MasterCard®

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  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

8.00% (Variable) APR

8.00% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Capital One® Platinum Credit Card

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  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

24.9% (Variable) APR

24.9% (Variable) APR

No balance transfer fee

$0 intro for first year; $19 after that

Average CreditApply NowView Card Details
  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

The Enhanced Business Gold Rewards Card from American Express OPEN

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  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
  • 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply

N/A

N/A

$0 introductory annual fee for the first year, then $175

Excellent CreditApply NowView Card Details
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
  • 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply

Capital One® Spark® Classic for Business

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  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

22.9% (Variable) APR

22.9% (Variable) APR

No balance transfer fee

$0

Average CreditApply NowView Card Details
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

primor® Secured MasterCard Gold Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

9.99% APR

9.99% APR

$49

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

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  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

0% APR
for 12 months

11.9% - 19.9% (V) APR after that

11.9% - 19.9% (V) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply

Milestone Gold MasterCard®

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  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

23.9% APR

23.9% APR

$35 - $99*

Excellent CreditApply NowView Card Details
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

Webster Bank Visa® Bonus Rewards Card

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  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

0% APR
6 billing cycles

11.99% - 22.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 1 point for every net $1 you spend
  • Plus, get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back after your first purchase
  • Redemption starts at 2,500 points for $25 cash back or redeem 25,000 points for round-trip airfare for a ticket up to $325
  • Travel Assistance - To replace lost travel tickets, obtain medical and legal referrals
  • Extended Warranty Coverage - Double the manufacturer's warranty (up to one year)

FasterMoney™ Visa® Prepaid Card

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  • Get paid fast with free* direct deposit
  • No overdraft fees - spend only what you load
  • No credit check required (pending ID verification)
  • Get cash from a 24,000 fee-free ATM** network
  • Issued by MetaBank®, Member FDIC

N/A

N/A

$3.95 or $0 with monthly $500 direct deposit load

Rebuilding CreditApply NowView Card Details
  • Get paid fast with free* direct deposit
  • No overdraft fees - spend only what you load
  • No credit check required (pending ID verification)
  • Get cash from a 24,000 fee-free ATM** network
  • Issued by MetaBank®, Member FDIC

Sony Card from Capital One®

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  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

Simmons Bank Visa® Platinum

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

7.25% (Variable) APR

7.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee

Simmons Bank Visa® Platinum Rewards

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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

9.25% (Variable) APR

9.25% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

Capital One® Spark® Miles Select for Business

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  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% APR
until December 2015

12.9% - 20.9% (Variable) APR after that

12.9% - 20.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® Secured MasterCard®

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  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

24.9% (Variable) APR

24.9% (Variable) APR

No balance transfer fee

$0

Rebuilding CreditApply NowView Card Details
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

primor® Secured MasterCard Classic Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

13.99% APR

13.99% APR

$39

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

U.S. Bank FlexPerks® Travel Rewards American Express® Card

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  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

13.99% - 23.99%* (Variable) APR

13.99% - 23.99%* (Variable) APR

$0* for the first year, then $49*

Excellent CreditApply NowView Card Details
  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.

U.S. Bank Business Edge™ Select Rewards Card

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  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee*

primor® Secured Visa Gold Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • *See application for additional details

9.99% APR

9.99% APR

$49

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • *See application for additional details

U.S. Bank FlexPerks® Select+ American Express® Card

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  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

13.99% - 23.99%* (Variable) APR

0% APR
9 billing cycles

13.99% - 23.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).

U.S. Bank Perks+ Visa Signature® Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

0% APR
12 billing cycles

11.99% - 21.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.

AccountNow® Prepaid MasterCard®

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  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee
  • No Credit Check or ChexSystems check
  • Instant Account Number
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere Mastercard Debit card accepted

AccountNow® Prepaid Visa® Card

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  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee
  • No Minimum Balance
  • No Credit Check. No Overdraft Fee.
  • Free Direct Deposit and Online Bill Payment
  • Use it everywhere Visa Debit Card accepted
  • Now with Purchase Rewards
  • Perfect for Occasional Usage

The Plum Card® from American Express OPEN

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  • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • LIMITED TIME OFFER ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
  • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
  • The power to buy big with a spending limit that can grow with your business.
  • No Foreign Transaction Fees.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for each additional Employee Plum Card.
  • Terms & Restrictions Apply.

N/A

N/A

$0 introductory annual fee for the first year, then $250

Excellent CreditApply NowView Card Details
  • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • LIMITED TIME OFFER ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
  • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
  • The power to buy big with a spending limit that can grow with your business.
  • No Foreign Transaction Fees.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for each additional Employee Plum Card.
  • Terms & Restrictions Apply.

USAA Rewards™ American Express® Card

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  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel.

READYdebit® Visa® Prepaid Card

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  • Instant Account Number - Great for Tax Refund Direct Deposit!
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker*
  • Choose Your Card Color - Blue or Pink.

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • Instant Account Number - Great for Tax Refund Direct Deposit!
  • Free Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker*
  • Choose Your Card Color - Blue or Pink.

Credit One Bank® Credit Card with Gas Rewards

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  • Earn unlimited 1% cash back on gas purchases with this card
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Earn unlimited 1% cash back on gas purchases with this card
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score

AccountNow® Gold Visa® Prepaid Card

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  • Get Paid up to 2 days faster with Free Direct Deposit - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

N/A

N/A

See Terms*

Rebuilding CreditApply NowView Card Details
  • Get Paid up to 2 days faster with Free Direct Deposit - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

Gettington Credit Card

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  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

14.90% - 19.90% APR

14.90% - 19.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Low APR, so it's easier to pay as you go
  • No annual fees and no hidden fees
  • Choice of payment plans: Fast or Easy
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 monthly payments and you will be paid in full
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 monthly payments or less - much faster than a typical credit card payback!

Milestone Gold MasterCard®

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  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access - 24/7

23.9% APR

23.9% APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access - 24/7

PEX Visa® Prepaid Card For Business

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  • Instantly fund employee purchases
  • Gain 24/7 control over where and how much employees spend
  • Save money - no surprise interest charges or overdraft fees.
  • Free Trial Period - No Monthly Fee for at least 2 months after you enroll
  • No transaction fees
  • No deposit fees
  • Cards are personalized with the cardholder's name
  • The funds on deposit are corporate funds - not employee-owned

N/A

N/A

$7.50 monthly fee

Rebuilding CreditApply NowView Card Details
  • Instantly fund employee purchases
  • Gain 24/7 control over where and how much employees spend
  • Save money - no surprise interest charges or overdraft fees.
  • Free Trial Period - No Monthly Fee for at least 2 months after you enroll
  • No transaction fees
  • No deposit fees
  • Cards are personalized with the cardholder's name
  • The funds on deposit are corporate funds - not employee-owned

U.S. Bank Business Edge™ Cash Rewards Card

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  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

0% APR
9 billing cycles

11.99% - 17.99%* (Variable) APR after that

11.99% - 17.99%* (Variable) APR

$0*

Excellent CreditApply NowView Card Details
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*

The Amex EveryDay® Preferred Credit Card from American Express

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  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

0% APR
for 15 months

12.99% - 21.99% Variable APR after that

$95

Excellent CreditApply NowView Card Details
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

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  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

11.99% - 17.99%* (Variable) APR

11.99% - 17.99%* (Variable) APR

$0 intro for the first year, then $55*

Excellent CreditApply NowView Card Details
  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)

American Express Serve®

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  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 27,500 CVS/pharmacy®, Family Dollar®, Walmart®, and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more.
  • *Terms, conditions and exclusions apply.

N/A

N/A

$1 Monthly Fee (no fee NY, TX & VT)*

Rebuilding CreditApply NowView Card Details
  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 27,500 CVS/pharmacy®, Family Dollar®, Walmart®, and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more.
  • *Terms, conditions and exclusions apply.

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

0% APR
until March 2016

22.9% (Variable) APR after that

0% APR
until March 2016

22.9% (Variable) APR after that

No balance transfer fee

$39

Average CreditApply NowView Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

Credit One Bank® - Earn More Credit Fast

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  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

Rebuilding CreditApply NowView Card Details
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon

First Progress Platinum Select MasterCard® Secured Credit Card

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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

14.99% APR

14.99% APR

$39

See TermsApply NowView Card Details
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

Credit One Bank® Credit Card - Online Monthly Credit Score Tracking Included

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  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

FairApply NowView Card Details
  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule

USAA Rate Advantage Platinum MasterCard®

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  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

6.90% to 23.90%* APR

6.90% to 23.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.

USAA Cash Rewards® Visa®

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  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

9.90% to 25.90%* APR

9.90% to 25.90%* APR

$0

Excellent CreditApply NowView Card Details
  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

USAA Secured Cards® American Express® Card

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  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

9.90% to 19.90%* APR

9.90% to 19.90%* APR

$35*

See Terms*Apply NowView Card Details
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.


Hide BenefitsShow Benefits
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

9.90% to 19.90%* APR

9.90% to 19.90%* APR

$35*

See Terms*Apply NowView Card Details
  • It's a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.

PlayStation® Card from Capital One®

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  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

0% APR
until April 2016

13.9% - 24.9% (Variable) APR after that

13.9% - 24.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until April 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee

First Progress Platinum Prestige MasterCard® Secured Credit Card

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  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

11.99% APR

11.99% APR

$44

Rebuilding CreditApply NowView Card Details
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

The First Progress Platinum Elite MasterCard® Secured Credit Card

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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

19.99% APR

19.99% APR

$29

Rebuilding CreditApply NowView Card Details
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See Card Terms.

OpenSky® Secured Visa® Credit Card

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  • Build Your Credit, with monthly updates to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200
  • Apply in less than 5 minutes, NO credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.

17.50% variable APR APR

17.50% variable APR APR

$29

Rebuilding CreditApply NowView Card Details
  • Build Your Credit, with monthly updates to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200
  • Apply in less than 5 minutes, NO credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.

Credit One Bank® Platinum Card

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  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges

17.90% - 23.90% (Variable)* APR

17.90% - 23.90% (Variable)* APR

$35 - $99*

FairApply NowView Card Details
  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges

Capital One® Spark® Select for Business

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  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

0% APR
until March 2016

10.9% - 18.9% (Variable) APR after that

10.9% - 18.9% (Variable) APR

No balance transfer fee

$0

Excellent CreditApply NowView Card Details
  • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud Coverage if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

PayPal™ Prepaid MasterCard®

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  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.

N/A

N/A

$4.95 monthly

Rebuilding CreditApply NowView Card Details
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.

NetSpend® Visa® Prepaid Card

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  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.

N/A

N/A

$9.95 monthly fee

Rebuilding CreditApply NowView Card Details
  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.

READYdebit® Visa Mint Control Prepaid Card

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  • $0 Monthly Fee*
  • Free* Direct Deposit
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

See website for Details* APR

See website for Details* APR

See website for Details*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee*
  • Free* Direct Deposit
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

READYdebit® Visa Latte Control Prepaid Card

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  • $0 Monthly Fee*
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

See website for Details* APR

See website for Details* APR

See website for Details*

Rebuilding CreditApply NowView Card Details
  • $0 Monthly Fee*
  • No Credit Check* or ChexSystems Check
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

primor® Secured Visa Classic Card

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  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

13.99% APR

13.99% APR

$39

Rebuilding CreditApply NowView Card Details
  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details

U.S. Bank Business Edge™ Platinum Card

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

0% APR
12 billing cycles

9.99% - 17.99%* (Variable) APR after that

$0*

Excellent CreditApply NowView Card Details
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Target REDcard Credit Card

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  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.

22.90% APR

22.90% APR

$0

Excellent CreditApply NowView Card Details
  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.

Plenti℠ Credit Card from Amex

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  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

0% APR
for 12 months

14.99% - 24.99% Variable APR after that

14.99% - 24.99% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Get 2,500 PlentiSM points after you spend $250 in purchases on your PlentiSM Credit Card from Amex within your first 3 months of Card Membership.
  • No Annual Fee and No Annual Fee for Additional Cards
  • Earn points in addition to what you can with the PlentiSM rewards program. Learn More.
  • Earn 1 PlentiSM point per dollar spent on eligible purchases with your Credit Card. Terms and limitations apply.
  • Use PlentiSM points for things you already buy at Macy's, Rite Aid and participating Exxon or Mobil branded service stations. Terms and limitations apply.
  • Terms and restrictions apply.

Wells Fargo Secured Visa Card

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  • Low annual fee relative to other secured credit cards
  • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
  • Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history.
  • A typical 25 day grace period

18.99% APR

18.99% APR

$25

Rebuilding CreditApply NowView Card Details
  • Low annual fee relative to other secured credit cards
  • Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
  • Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history.
  • A typical 25 day grace period

Wells Fargo Cash Back Visa Signature® Card

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  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

0% APR
for 15 months

12.15% - 25.99%* (Variable) APR after that

No annual fee

Excellent CreditApply NowView Card Details
  • Earn 5% cash rewards for every 1$ you spend on gas, grocery, and drugstore net purchases for 6 months, plus 1% for every $1 spent on all other net purchases.
  • Earn 1% cash rewards every day on all other net purchases.
  • 0% intro APR on purchases and balance transfers for 15 months.
  • Boost your earnings potential and find great deals at your favorite local and national stores in earnmoremall.com with more than 10,000 popular local, national, and online retailers.
  • $0 annual fee.
  • Enjoy dozens of privileges reserved for Wells Fargo Cash Back Visa Signature® cardholders, including insider access and preferred seating at popular events, special shopping offers and discounts from your favorite retailers, complimentary concierge service and more.

Wells Fargo Cash Back College Visa® Card

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  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

0% APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

$0

FairApply NowView Card Details
  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.

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What is a Secured Credit Card and Who Should Have One? http://www.cardbenefit.com/what-is-a-secured-credit-card-and-who-should-have-one/ http://www.cardbenefit.com/what-is-a-secured-credit-card-and-who-should-have-one/#comments Thu, 02 Jul 2015 15:31:09 +0000 http://www.cardbenefit.com/?p=4213 If you are in a position in where you are working on rebuilding your credit, a secured card may help. They all have their differences in features and fees, so it is important to look carefully at the fine print.

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secured credit card With most credit cards, cardholders have a credit limit to how much they can charge on the card, which then needs to be paid back at some point after the charges were made, usually in monthly payments. Applicants get these cards on the strength of their credit history, which determines how much credit they get and what interest rate they will pay. These are unsecured credit cards.

What is a Secured Credit Card?

Secured credit cards work differently. Instead of establishing a credit limit on the basis of the applicant’s credit history, the amount that you can charge on these cards is set by how much money you deposit with the card issuer. With a secured credit card, I can deposit $500 with the card issuer and get a credit card that has a credit limit of $500. That deposit has secured my credit line, and I will be refunded that $500 deposit when I close the credit card. Until then, I can borrow against that $500 and pay in installments.

Who Should Get a Secured Credit Card?

Secured credit cards are a great option for anyone with no credit or bad credit who is working to rebuild their credit history. Since secured cards will report to the three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores with those secured credit cards.

Secured credit cards are great for young people, college students, new immigrants to the United States, and people with bad credit histories resulting from a divorce, bankruptcy, identity theft, foreclosure, or other kind of calamitous credit event. With secured credit cards, people can rebuild their credit and see their FICO scores improve by 100 points or more, as stay current with their secured credit card.

What are the Benefits of a Secured Credit Card?

One of the biggest benefits of a secured credit card is that it can help you to establish your credit history or help you in rebuilding bad credit. Filing bankruptcy, for example, can cause serious damage to your credit and lenders may not be willing to give you an unsecured card right away. Using a secured card and paying it off each month can give your credit score a boost over time. Your lender could also choose to convert you to an unsecured card once your score improves.

Secured credit cards are also a great way to control spending since they typically have very low credit limits. You can get a secured card just for emergencies and you don’t have to worry about overspending or racking up a lot of debt.

How to Compare Secured Credit Cards?

There are a lot of expensive secured credit cards that charge high application fees, member fees, and other fees. These are best avoided. Low-cost secured cards are available on the market to savvy shoppers. They can be issued through banks, local credit unions or through certain retail organizations.

When comparing secured credit cards, you need to consider where and how the card can be used, the interest and fees and how much of a deposit is required, whether the usage of the card is reported monthly to the credit reporting agencies – Experian, TransUnion or Equifax.

Read More What You Need to Know About A Secured Credit Card

Conclusions

When looking for a secured credit card to rebuild your credit history, it’s important to shop around and look carefully at the fine print. With huge fees for everything from applying for a card to keeping the card after a certain period of time, many secured cards can cost a lot of money. Fortunately there are better secured card options on the market to help you rebuild your credit history.

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Barclaycard Ring MasterCard Review – 8% APR Credit Card http://www.cardbenefit.com/barclaycard-ring-mastercard-review/ http://www.cardbenefit.com/barclaycard-ring-mastercard-review/#comments Thu, 02 Jul 2015 00:06:57 +0000 http://www.cardbenefit.com/?p=13733 If you carry a monthly balance or if you are trying to pay off existing credit debt, making a balance transfer to a low interest card can help you get out of debt faster. The Barclaycard Ring MasterCard is one of the best low interest no balance transfer fee credit cards available. If you ...

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If you carry a monthly balance or if you are trying to pay off existing credit debt, making a balance transfer to a low interest card can help you get out of debt faster. The Barclaycard Ring MasterCard is one of the best low interest no balance transfer fee credit cards available. If you always pay your balance in full each month, then a rewards credit cards may be your best option.

The Barclaycard Ring MasterCard stands out because it is a low fee, low APR credit card. It also includes features exclusive to the Ring credit card, such as its social community, transparency in sharing annual reports of Barclaycard Ring revenue and expenses with card members, and the Giveback program, designed as a different type of rewards program – but not the type of rewards program you would expect.

Barclaycard Ring MasterCard
Apply for Barclaycard Ring MasterCard Online

Barclaycard® Ring MasterCard®

  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Click here for more details on Barclaycard® Ring MasterCard® from Barclays
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A8.00% (Variable)$0

Giveback Program of Barclaycard Ring

In a traditional credit card rewards program you know how the rewards correlate to each dollar you spend. However, in the Giveback Program of Barclaycard Ring, Barclaycard examines the performance of the program before determining the value of each dollar as it equates to the Giveback™. Instead of awarding you with cash back or points each time you spend, the Giveback program sets aside 70% of the returns of purchases, cash advances, and balance transfers that exceed a 3% annualized return on the average balances, into the Giveback pool. The amount you receive from the pool is calculated and based on your statement balance totals during a Giveback period. All of the member totals are added together and then divided by the total number of qualifying statement balances, which is then multiplied by your statement balance total for the period.

There are other earning opportunities such as the referral bonus of $20 for each new card member referral, which is included in a separate pool. This pool is paid out according to the total referral pool divided by the total number of referral applications.

Low Rates and Fees

  • No balance transfer fee. Not only is there no annual fee, there is also no balance transfer fee. Balance transfer fees on most cards are typically at least $5 or 3%, whichever is greater.
  • Low interest rate. The APR of 8.0% for purchases, balance transfers and cash advances is among the lowest APRs offered by any credit card. This, along with there being no balance transfer fee, makes the Barclaycard Ring MasterCard one of the best money-saving credit cards, specifically if you need to transfer a balance.
  • No foreign transaction fees. This is why the Barclaycard Ring MasterCard is voted as the best overseas payments program winner by Card & Payments Awards London in February 2014.
  • Complimentary FICO. The Barclaycard Ring MasterCard also includes access to your FICO score, the score used by most lenders to determine your credit worthiness. This score often costs at least $24 per month and is free for Barclaycard Ring MasterCard card holders.

Conclusion

The Barclaycard Ring MasterCard basically falls into the category of “vanilla” credit cards which focus on low fees and low interest rates. It is different from the others, and somewhat better, because of features such as the Giveback program, isn’t available with any other credit card. The Barclaycard Ring MasterCard is ideal for those who carry balances from month to month or need to transfer a balance from a card with a higher APR.

 

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What is a Good Credit Score? http://www.cardbenefit.com/what-is-a-good-credit-score/ http://www.cardbenefit.com/what-is-a-good-credit-score/#comments Wed, 01 Jul 2015 18:47:44 +0000 http://www.cardbenefit.com/?p=13750 A person’s credit score on the FICO® scale ranges between 300 to 850. A score of about 690 or higher indicates a very good credit history. Those with scores below 630 will often find financing at a favorable rate significantly more difficult. According to FICO®, the median credit score is ...

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good credit score ratingA person’s credit score on the FICO® scale ranges between 300 to 850. A score of about 690 or higher indicates a very good credit history. Those with scores below 630 will often find financing at a favorable rate significantly more difficult. According to FICO®, the median credit score is 723 in the U.S. (2014). Borrowers with this average are only delinquent 5% of the time. Anything in the mid 700’s and higher is considered excellent, and results in easy credit approvals and the lowest interest rates.

Here is the general breakdown of the FICO® Score ranges:

  • Excellent Credit: 781 – 850
  • Good Credit: 661-780
  • Fair Credit: 601-660
  • Poor Credit: 501-600
  • Bad Credit: below 500

These ranges are not set in stone, because lenders have their own definitions of what is a good credit score. Lenders looking to approve more borrowers might consider a wider score range than lenders who are more selective.

There are other credit scoring methods available to lenders:

  • FICO® Score range: 300-850
  • VantageScore 3.0 range: 300–850
  • VantageScore range (versions 1.0 and 2.0): 501–990
  • PLUS Score range: 330-830
  • TransRisk Score range: 100-900
  • Equifax Credit Score range: 280–850

With every method, the higher the score, the lower the predicted risk. These scores take into account factors like payment history, debt levels, and age of credit accounts to predict how customers will handle credit and loan payments. It is important to know what method your score is based off, because a FICO® score of 840 may be an excellent score 10 points shy of the highest score possible, but a VantageScore 2.0 score of 840 is 150 points away from the highest score possible.

The Benefits of a Good Credit Score

A good credit score allows you to borrow money or open a credit card with a comparatively lower interest rate. So, strengthening your credit score helps to save money over time. Consumers should check their credit score before applying for credit, so they can identify areas for improvement, and build their score to increase their chances of approval. Improving your score before applying for new credit accounts can save you hundreds, or even thousands, of dollars in interest on a mortgage or a loan. Furthermore, lenders and employers use good credit as an indicator that someone is responsible, trustworthy, less likely to commit insurance fraud, etc. Therefore, aside from saving money through lower interest rates, building your credit score will also help you land that amazing job and purchase your dream home.

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