Best Credit Card Offers
 Best 0% APR Balance Transfers |
Best Low Interest Credit Cards |
| Best Cash Back Credit Cards |
Best Airline Credit Cards |
| Best Travel Credit Cards |
Best Rewards Credit Cards |
Best 0% APR Balance Transfers
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- No annual fee.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
- Citi® Identity Theft Solutions.
BALANCE TRANSFER APR
0%
18 months
18 months
PURCHASES APR
0%
18 months
18 months
ONGOING APR
11.99% - 21.99%
(V)
(V)
ANNUAL FEE
$0
- Limited Time Offer - $0 Balance Transfer Fee!
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
BALANCE TRANSFER APR
0%
12 months
12 months
PURCHASES APR
0%
12 months
12 months
ONGOING APR
10.99% - 19.99%
ANNUAL FEE
$0
- 0% intro APR until May 2013 on balance transfers.
- 0% intro APR until May 2013 on purchases.
- No annual fee.
- $0 Fraud Liability if your card is lost or stolen.
or Call
(866) 544-0808
BALANCE TRANSFER APR
0%
Until May 2013
Until May 2013
PURCHASES APR
0%
Until May 2013
Until May 2013
ONGOING APR
10.9% - 18.9%
(V)
(V)
ANNUAL FEE
$0
Best Low Interest Credit Cards
- 0% Intro APR on Balance Transfers and Purchases for 18 months.
- No annual fee.
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more.
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
BALANCE TRANSFER APR
0%
18 months
18 months
PURCHASES APR
0%
18 months
18 months
ONGOING APR
11.99% - 21.99%
(V)
(V)
ANNUAL FEE
$0
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
- $0 Fraud Liability plus mobile and email fraud alert options.
BALANCE TRANSFER APR
0%
15 months
15 months
PURCHASES APR
0%
15 months
15 months
ONGOING APR
10.99% - 20.99%
ANNUAL FEE
$0
- Get the credit you need with no processing fees or application fees.
- $0 Fraud Liability if your card is lost or stolen.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
- Access your account 24/7.
BALANCE TRANSFER APR
See terms
PURCHASES APR
See terms
ONGOING APR
10.9% - 24.9%
(V)
(V)
ANNUAL FEE
See terms
Best Cash Back Credit Cards
- $100 Bonus after you spend $500 in the first 3 months.
- 50% bonus on the cash back you earn every year.
- 1% cash back on all purchases.
- No annual fee.
or Call
(866) 544-0808
BALANCE TRANSFER APR
0%
Until February 2013
Until February 2013
PURCHASES APR
0%
Until February 2013
Until February 2013
ONGOING APR
12.9% - 20.9%
(V)
(V)
ANNUAL FEE
$0
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%.
- Receive a $150 Restaurant.com Gift Certificate with first purchase.
- 2% automatically at gas stations and restaurants all year long.
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com.
BALANCE TRANSFER APR
0%
12 months
12 months
PURCHASES APR
0%
12 months
12 months
ONGOING APR
10.99% - 20.99%
ANNUAL FEE
$0
- 2% cash back on gas and groceries.
- 1% cash back on all other purchases.
- BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central.
- No limit on the cash you can earn and cash won't expire.
or Call
(866) 544-0808
BALANCE TRANSFER APR
n/a
PURCHASES APR
0%
Until November 2012
Until November 2012
ONGOING APR
17.9% - 22.9%
(V)
(V)
ANNUAL FEE
$39
Best Airline Credit Cards
- Money® Magazine's "Most Rewarding Card if you crave free airline flights".
- 2 miles per dollar on every purchase, every day.
- Earn 10,000 bonus miles, equal to $100 in travel.
- Redeem your miles for ANY travel expense.
or Call
(866) 544-0808
BALANCE TRANSFER APR
n/a
PURCHASES APR
n/a
ONGOING APR
11.9% - 19.9%
(V)
(V)
ANNUAL FEE
$0 intro for first year; $59 after that
- Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year.
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash.
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%.
- No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates.
BALANCE TRANSFER APR
0%
6 months
6 months
PURCHASES APR
0%
6 months
6 months
ONGOING APR
10.99% - 16.99%
ANNUAL FEE
$0
- 1.25 miles per dollar on every purchase, every day.
- Earn 10,000 bonus miles, equal to $100 in travel.
- Redeem miles for airline tickets, hotel rooms, car rentals and more.
- No limit on the miles you can earn and miles won't expire.
or Call
(866) 544-0808
BALANCE TRANSFER APR
n/a
PURCHASES APR
0%
Until February 2013
Until February 2013
ONGOING APR
11.9% - 19.9%
(V)
(V)
ANNUAL FEE
$0
Best Travel Credit Cards
- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel.
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates.
- 2011 SmarterTravel® Award for "Best Travel Rewards Card".
- $0 introductory annual fee for the first year, then $65.
BALANCE TRANSFER APR
Yes
PURCHASES APR
n/a
ONGOING APR
15.24% - 19.24%
(V)
(V)
ANNUAL FEE
$0
- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership.
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
- Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
- Introductory annual fee of $0 for the first year, then $175.
BALANCE TRANSFER APR
n/a
PURCHASES APR
n/a
ONGOING APR
n/a
ANNUAL FEE
$0
- Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.
- No Annual Fee.
- Earn 6 HHonors Bonus Points for each $1 spent at participating hotels within the Hilton Worldwide portfolio.
- Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.
BALANCE TRANSFER APR
n/a
PURCHASES APR
n/a
ONGOING APR
14.24%
(V)
(V)
ANNUAL FEE
$0
Best Rewards Credit Cards
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Full 1% cash back on eligible purchases and cash advances.
BALANCE TRANSFER APR
0%
12 months
12 months
PURCHASES APR
0%
12 months
12 months
ONGOING APR
12.99% - 22.99%
(V)
(V)
ANNUAL FEE
$0
- 0% intro APR on purchases for 12 months, flexibility to pay over time.
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership.
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases.
- NO spend minimum, NO enrollment, and NO rotating rewards categories.
BALANCE TRANSFER APR
Yes
PURCHASES APR
0%
12 months
12 months
ONGOING APR
17.24% - 22.24%
(V)
(V)
ANNUAL FEE
$0
- $200 cash back after $500 in purchases within the first 3 months of account opening.
- No Annual Fee.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- 5% average cash back at select merchants through Citi Bonus Cash Center®.
BALANCE TRANSFER APR
n/a
PURCHASES APR
n/a
ONGOING APR
15.99% - 22.99%
(V)
(V)
ANNUAL FEE
$0
How To Find The Best Credit Card
There is no one-size-fits all approach to finding the best credit card. The best credit card for you may very well be the worst card choice for someone else; it all depends on how you use the credit card and your unique financial situation. Someone who travels frequently can make good use of a credit card with a travel rewards program - but for a person who rarely leaves home, the travel rewards would be wasted! Finding the best credit card requires that you compare the features and benefits of various cards and match them to how you intend to use your credit card.
First, determine exactly how you plan to use your credit card. Will you use it for all of your monthly expenses and purchases, or are you looking to use a credit card to finance a one-time, large purchase? Will your credit card be used for emergencies only? Choosing the best credit card for you depends greatly on how frequently you plan to use it.
Next, decide whether you will carry a balance on your credit card from one month to the next, or if you will be paying the statement off in full on a monthly basis. If you carry a balance from month to month, the interest rate of the credit card is far more important than someone who makes purchases and pays the balance in full each month.
If you plan to use the card for all of your monthly expenses, and pay the balance in full each month, your best credit card is likely to be one that offers a rewards program. Credit card rewards programs give you a little something in exchange for using the card to make your purchases - from travel rewards to merchandise to cash back.
Be sure to weigh all of your options and select a credit card to meet your particular spending habits and needs. Comparing features and benefits of various cards enables you to find the best credit card.
