Credit Cards » Best Credit Card Offers

Best Credit Card Offers

When you are shopping around for the best interest rates, rewards programs and fees, it is important to keep your credit score in mind all the time. The credit card offers like TD Bank credit cards or Wells Fargo credit cards may lure you away with their big rewards and low fees. You can apply for such card but may never receive a positive response since your credit is not good enough to qualify. Therefore, we recommend you to start with credit cards which are good for your credit score and only then look at fees and rewards. This approach will help you to find the credit card that suits you best.

 

Best Credit Offers

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
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Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$0
Click here to apply for TD First ClassSM Visa Signature ® Credit Card
  • Earn up to 25,000 bonus First Class miles, which equals $250 when you book your travels – you'll earn 15,000 the first time you use your card to make a purchase, and earn an extra 10,000 bonus First Class miles when you spend $3,000 in the first 6 billing cycles11
  • Earn unlimited 3x First Class miles on all eligible travel purchases, including flights, hotels, car rentals, cruises, dining and more11
  • Earn 1x First Class miles on other purchases - no categories or gimmicks and miles that never expire11
  • No foreign transaction fees11
  • Annual fee waived your first year, just $89 each year thereafter11
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Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
n/a110%
(12 months)11
13.49%11$89 (waived for the first year)11
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A15.90% - 24.40% Variable$0 - $99
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
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Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
0% (15 months)0% (15 months (on balance transfers made within 45 days of account opening))13.49% Variable$0
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A23.9%$35 - $99*
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/ASee Terms*See Terms*

Credit Cards for Limited Credit

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A15.90% - 24.40% Variable$0 - $99
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A23.9%$35 - $99*
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/ASee Terms*See Terms*

$0 Annual Fee Credit Cards

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Show more ∨
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$0
  • No Annual Fee.
  • 0% Intro APR.
  • Great Rewards Programs.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
0% (6 months)0% (12 months)See Site$0

Rewards Credit Cards

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Show more ∨
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A15.90% - 24.40% Variable$0 - $99
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Show more ∨
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$0
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A15.90% - 24.40% Variable$0 - $99

How to Use Your Credit Card and Save on Everyday Purchases

A credit card can save you money and sometimes a good deal of them if you use a right credit card for you. To understand which reward credit card is right for you, you should know your shopping habits and where you shop most often. For example, an airline credit card will be a waste of time for you if you do not fly often enough to earn and redeem miles. Instead, a travel rewards credit card from a major bank will be a better choice for you because it will allow you to earn equal rewards everywhere which are redeemable for a ticket with any airline or simply for cash back. Another thing to take into account when choose a credit card is your credit score. Some banks, like TD Bank, offer credit cards to consumers with established credit, the others, like Citizens, give a chance to consumers with bad credit.

When to use a store credit card

Many consumers use store credit cards and not less want to or intend to apply for one. Store credit cards give you access to a line of credit provided and serviced by some bank. But should you apply for a store credit card if you shop with a particular retailer a lot? The answer is 'yes' and 'no'. A store credit card will be a good choice for you if you indeed spend a lot at one particular retailer or merchant, you have and established credit history, and you have a habit of paying off the card balance every month. Only if all of those are true for you, you will be able to benefit of having a store credit card. However, if you are new to credit or your credit is not good, you tend to carry a balance on your credit cards and shop at different retailers, you should avoid store credit cards. You will find better options among regular credit cards and still will be able to shop at your favorite locations.

How to Use Your Credit Card to Rebuild Credit History

If you are rebuilding your credit, a credit card can also be of great help for you. As you probably know, a payment history makes 35% of your FICO credit score. Therefore, you will be able to build good payment history by only making all due payments on time. If you keep the card balance low, it will also add points to your credit score. Also, most major credit card issuers will give you a free access to your credit scores. You will be able to see how your credit score changes depending on this or that financial decision and to change your credit behaviour based on the score changes.

11 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.