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BEST CREDIT CARD OFFERS FOR YOU

To get the best credit cards you need to have a good or excellent credit score. If your credit is good, you can get rewards as well as low interest rates. If you have excellent credit you will have the best options. The better your credit is, the better APR you will be given since variable rates are based on your creditworthiness. If your credit isn't perfect, you can still receive rewards. The best credit cards have the lowest interest rates and the best rewards.
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Barclays Arrival® Premier World Elite Mastercard®See Rates & Fees Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.49%, 21.49% or 24.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 17.49%, 21.49% or 24.49% Variable
Balance Transfer Fee: 3%; minimum $5 for each balance transfer

FEES:

Annual Fee: $150
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.49%, 21.49% or 24.49% Variable
Intro APR on Balance Transfers: N/A
Regular APR: 17.49%, 21.49% or 24.49% Variable
Balance Transfer Fee: 3%; minimum $5 for each balance transfer
Annual Fee: $150
Application Processing Fee: See terms

Barclays Arrival® Premier World Elite Mastercard®See Rates & Fees Credit Recommended: Excellent

Card details:

75,000 miles each year if you spend $25,000 on purchasesGlobal Entry - Expedite your Re-entry with a $100 automatic statement credit for the cost of one Global Entry application fee every five yearsMastercard® Airport Experience provided by LoungeKey enhances your travel experience with access to over 800 lounges worldwide. Fees apply Show More
No foreign transaction fees on purchases made while traveling abroadInternational Chip and PIN provides maximum global acceptance with chip and PIN capability for use at self-service chip terminals around the world.
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Barclaycard Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 10.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 10.49% Variable
Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

Card details:

A low, variable APR on purchases, balance transfers and cash advancesNo annual feeNo balance transfer fees Show More
No foreign transaction feesChip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadFree online access to FICO® Credit Score
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Horizon Gold Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 0.00%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms

FEES:

Annual Fee: See Terms
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: 0.00%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Recommended: Bad

Card details:

Must have Active Debit Card or Credit Card to qualify.Instant $500 Credit Line.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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Surge Mastercard® Credit Recommended: Fair/Bad

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: See Terms*

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: See Terms*
Application Processing Fee: N/A
Intro APR on Purchases: N/A
Regular APR: See Terms*
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: See Terms*
Application Processing Fee: N/A

Surge Mastercard® Credit Recommended: Fair/Bad

Card details:

All credit types welcome to apply!Monthly reporting to the three major credit bureausInitial Credit Limit of $500.00!* (subject to available credit) Show More
Fast and easy application process; results in secondsUse your card at locations everywhere that Mastercard® is acceptedFree online account access 24/7Checking Account Required
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WebBank/Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: See Terms

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: See Terms
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

WebBank/Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee. See WebBank/Fingerhut Credit Account Terms.No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.Instant Response (Delays may occur depending on application data provided). Show More
Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.Choose From Over 450,000 items.Shop Great Brands at Fingerhut.com.Get the Credit You Deserve.We just love saying "YES!"
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Credit One Bank® Unsecured Visa® for Rebuilding Credit Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.49% - 25.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.49% - 25.49% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Unsecured Visa® for Rebuilding Credit Credit Recommended: Fair

Card details:

Find out if you Pre-Qualify without harming your credit scoreEligible purchases earn 1% cash back rewards automatically, terms applyGet a credit line between $300 and $3,000 based on your credit history Show More
Looking for more credit? Get credit line increase opportunities, a fee may applyChoose your monthly payment due date for added convenience, terms applyWith $0 Fraud Liability, you won’t be responsible for unauthorized chargesManage your account on-the-go with the Credit One Bank mobile appLooking to rebuild credit? We report to the major credit bureaus monthlyView your Experian credit score online for free, terms apply
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Milestone® Mastercard® with Free Choice of Card Image Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.9%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35 - $99*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 23.9%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35 - $99*
Application Processing Fee: See Terms*

Milestone® Mastercard® with Free Choice of Card Image Credit Recommended: Fair / Good

Card details:

Applying is quick and easy with our fast decision processLess than perfect credit is okay24/7 access to your account information, even on mobile Show More
Card designs to fit your personality at no extra chargeAccount history is reported to the three major credit bureaus in the U.S.*Dependent on credit worthiness
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Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.49% - 25.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.49% - 25.49% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair

Card details:

Enjoy peace of mind with $0 Fraud LiabilitySee if you Pre-Qualify in less than 60 secondsReceive 1% cash back on eligible purchases, terms apply Show More
Enjoy more buying power with credit line increase opportunities, a fee may applyChoose your monthly payment due date for added convenience, terms applyView updates to your Experian credit score with free online access, terms applyAccess your account on-the-go with the Credit One Bank mobile appNever miss an account update with customizable text and email alerts
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Milestone Gold Mastercard® Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.9%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35 - $99*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 23.9%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35 - $99*
Application Processing Fee: See Terms*

Milestone Gold Mastercard® Credit Recommended: Fair / Good

Card details:

Our application is quick and easy with instant pre-qualification availableAll credit histories consideredAccess your account online or from your mobile device 24/7 Show More
Choice of card image at no extra chargeAccount history is reported to the three major credit bureaus in the U.S.*Dependent on credit worthiness
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Indigo® Platinum Mastercard® Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.9%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 23.9%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Indigo® Platinum Mastercard® Credit Recommended: Fair / Good

Card details:

Simple and fast application processDon´t have perfect credit? No problem!Free 24/7 account access and bill pay from anywhere Show More
No security depositAccount history is reported to the three major credit bureaus in the U.S.
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ABOC Platinum Rewards Card Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% for 12 months
Regular APR: 14.40% - 24.40% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 14.40% - 24.40% Variable
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% for 12 months
Regular APR: 14.40% - 24.40% Variable
Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 14.40% - 24.40% Variable
Balance Transfer Fee: 3% of each balance transfer (minimum $5)
Annual Fee: $0
Application Processing Fee: See terms

ABOC Platinum Rewards Card Credit Recommended: Excellent / Good

Card details:

0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthinessEarn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account openingUnlimited Points That Don´t Expire Show More
Earn Points on Every Purchase! It´s simple: $1 = 1 PointNo Annual FeeSelect Your Rewards Your Way
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How To Find A Credit Card For Your Needs

There is no universal approach to finding a plastic card for your needs. The best one for you may very well be the worst card choice for someone else; it all depends on how you use it and on 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 credit card offers requires that you compare the features and benefits of various cards and match them to how you intend to use your card.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How to raise a credit score?

There are different ways to raise a credit score and a credit card is one of them. You can use a credit card to build payment history and as a result to build your credit score. For that you should get a credit card that, ideally, reports all your credit activity to three major credit bureaus. Many cards are reported to only one credit bureau, so pay attention to this when evaluate cards. Once you have a credit card you should use it with all your responsibility: make all due payments on time, never be late, and keep your balances low. This will help you to build positive payment history. If you have other credit accounts, make sure you do not default on them. Paying on time with all your creditors is very important because it helps you build good credit.

How to get a credit card that is best for me?

First of all, you should know your most current credit score. It is easier to find a credit card you will qualify for when you know your credit score. However, your credit score is not the only thing considered when you apply for a credit card. The way you manage other credit accounts, if you have any, defaults, bankruptcies, credit inquiries, and of course your income are also taken into account. So it is recommended to check credit reports before you apply for a credit card to make sure they are accurate and contain most current information.

What is the best credit card to apply?

There are a lot of good credit cards but which one is the best for you depends on your creditworthiness and your credit score. First of all, know your current credit score. It will help you find right credit cards to choose from. There are credit cards for people with established credit and cards for those who don’t have credit at all. So it is important to know your credit score if you want to qualify for a credit card. After that, you can consider your preferences. Think if you want a credit card with rewards or a card without an annual fee and low interest. Taking all this into consideration will help you to find the best credit card for you.

How to get a free credit report?

You can get a free copy of your credit report once a year from one or each of the three credit reporting agencies (TransUnion, Experian, and Equifax). You can request your free credit reports via AnnualCreditReport.com. This is the only source where you can get your credit report for free. You do not need to contact each credit bureau separately.