Credit Cards » Best Credit Card Offers

Best Credit Card Offers

When you look for the best credit card for you it is important to think what you want to get from your credit card. There are credit cards with low interest rates and poor rewards programs, like First Niagara credit cards, and you can find cards with generous rewards programs but with higher interest rates, like Wells Fargo credit cards. Therefore, it will be wise of you to set your goals in advance, before you apply for a credit card. Making calculations in advance and shopping around will help you to find that ideal credit card you were looking for.

 

Best Credit Offers

  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It´s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee
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Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
0% for 12 months0% for 18 months14.40% - 24.40% Variable$0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A25.90% – 29.99%$99
  • Prequalify for a card today and it will not impact your credit score
  • 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.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A24.9%$35 - $99*

Credit Cards for Limited Credit

  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A25.90% - 29.99%$99
  • Prequalify for a card today and it will not impact your credit score
  • 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.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A24.9%$35 - $99*
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
N/AN/A25.90% – 29.99%$99

$0 Annual Fee Credit Cards

  • Apply for a credit card with No Annual Fee.
  • Enjoy 0% Intro APR on purchases or balance transfers; a variable go-to APR applies when the intro period is over.
  • Earn up to 5% cash back or up to 2 points on purchases.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
0% (up to 18 months)0% (up to 21 months)See Site$0

Rewards Credit Cards

  • Take advantage of a one-time bonus, terms apply.
  • Earn miles or point rewards on every purchase. Rewards won’t expire.
  • Redeem earned rewards for travel and more.
  • Enjoy 0% Intro APR on purchases; ongoing variable APR applies after that.
Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
0% (up to 15 months)0% (up to 15 months)10.99% - 22.99%$0

How to Use Your Credit Card and Save on Everyday Purchases

A credit card like 1ST Niagara credit card or Wells Fargo 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.

When to use a store credit card

Many consumers use store credit cards and not less want to or intend to apply for one. But should you apply for a store credit card if you shop at 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, 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.