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

  • 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 Standard Rewards MasterCard®
  • Earn Unlimited Rewards Points that Expire 3 Years from the Month Earned.53
  • No Foreign Transaction Fee.53
  • Overdraft Protection Eligible.53
  • MasterCard Global Services™, Zero Liability.53
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Intro APR on PurchasesIntro APR on Balance TransfersOngoing APRAnnual Fee
n/a530%
(6 months)53
14.49%53$3553
  • 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.
Apply Now
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
Apply Now
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.
Apply Now
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.
Apply Now
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
Apply Now
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.
Apply Now
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 ∨
Apply Now
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.
Apply Now
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
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Apply Now
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 ∨
Apply Now
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.
Apply Now
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 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.

53 The full $9.95 Activate Card Fee will be charged, but on the first Direct Deposit that occurs, the $9.95 Activate Card Fee will be refunded to your Card Account within 30 days of your first Direct Deposit.