The Best Credit Card Offers & Deals

Top Credit Card Offers for December 2014

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Top Low Interest Cards with 0% APR

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3.6/5.0 from 2,871 Cardholder Reviews

 
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Regular Purchase APR

12.99%-22.99%* (Variable)

Rewards Rate

The card that earns you cash back twice on every purchase*

Intro Purchase APR

0% APR for 12 Months on Purchases & Balance Transfers*

Sign Up Offer

Intro Purchase APR 0% APR for 12 Months
Intro Balance Transfer: 0% APR for 12 Months

Ongoing Information

Regular Purchase APR: 12.99%-22.99%* (Variable)
Annual Fee: $0*
Rewards Rate: The card that earns you cash back twice on every purchase*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Good to Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 800-549-7896
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The card that earns you cash back TWICE on every purchase with:  
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
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3.5/5.0 from 2,288 Cardholder Reviews

 
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Regular Purchase APR

12.99%-22.99% (Variable)*

Intro BT APR

0% for 18 Months*

Intro Purchase APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 12.99%-22.99% (Variable)*
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-916-4537
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
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3.4/5.0 from 1,699 Cardholder Reviews

 
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Regular Purchase APR

12.99%, 17.99%, 22.99% (V)

Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Sign Up Offer

Intro Purchase APR 0% for 15 Months*
Intro Balance Transfer: 0% for 15 Months*

Ongoing Information

Regular Purchase APR: 12.99%, 17.99%, 22.99% (V)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online 
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.
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3.3/5.0 from 1,709 Cardholder Reviews

 
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Regular Purchase APR

12.99% - 22.99% Variable* on purchases & balance transfers

Intro Purchase APR

0% for purchases for 12 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*

Ongoing Information

Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & balance transfers
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening 
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
 
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3.6/5.0 from 1,842 Cardholder Reviews

 
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Regular Purchase APR

11.99%-21.99%* (Variable)

Intro Purchase APR

0% for 18 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 11.99%-21.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 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.* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer. 
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
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3.4/5.0 from 126 Cardholder Reviews

 
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Regular Purchase APR

10.99% - 20.99% Variable* on Purchases & Balance Transfers

Intro Purchase APR

0% for purchases for 15 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 15 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 15 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 15 billing cycles*

Ongoing Information

Regular Purchase APR: 10.99% - 20.99% Variable* on Purchases & Balance Transfers
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals 
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3.6/5.0 from 337 Cardholder Reviews

 
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Regular Purchase APR

13.90%-20.90% (Variable)

Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 13.90%-20.90% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Rewards Rate: 2 miles per dollar
Credit Needed:
 
Good Credit

Credit cards for good credit are intended for those with a FICO score between 660 - 699.

Get Your Free Score!
Excellent/Good

Highlights

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker — see your monthly credit score anytime and get automatic alerts
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Click the stars to submit your rating.

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Your Rating:

3.6/5.0 from 1,500 Cardholder Reviews

 
Apply Now

or call888-909-5733

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Regular Purchase APR

11.9%-19.9% (Variable)

Intro Purchase APR

0% until December 2015*

Rewards Rate

Earn 1.25 miles per $1 on all Purchases*

Sign Up Offer

Intro Purchase APR 0% on Purchases until December 2015*
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 11.9%-19.9% (Variable)
Annual Fee: $0
Rewards Rate: Earn 1.25 miles per $1 on all Purchases*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until December 2015; 11.9%-19.9% variable APR after that
  • Travel when you want—no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
 
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Click the stars to submit your rating.

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3.4/5.0 from 2,074 Cardholder Reviews

 
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Regular Purchase APR

13.99%-22.99% Variable*

Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Sign Up Offer

Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*

Ongoing Information

Regular Purchase APR: 13.99%-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
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Picture of Sandra Rosenbaum
 

do any cards not charge you for the balance transfer? like 3% that most charge!

9 Comments

No Sandra there are no cards to my knowledge, and I've looked, that do not charge you for a balance transfer. The lowest I have found is 2%

I did have a couple with a flat fee. but maybe no longer, but with 0% interest for up to 18 months, the three percent is well worth it.

the chase slate card has one

Most balance transfers I have seen lately are up to 5% fee now.

Chase slate does for the first 60 days

Chase Slate for first 60 days with a ZERO interest rate for 15 months...it is BY FAR the BEST BT card on the market.

Sandra, when my friend worked at Discover Card for balance transfers, she found many people asked or insisted on 1 No interest for the life of the loan 2 No balance transfer fee. The Discover Card employee would have to ask their supervisor every time but they always ended the call with "YES". If the card company you speak to about balance transfers do not comply don't accept their offer.

Yes the Chase slate has no balance transfer fee and 0% APR on balance transfers and purchases for 15 months.

Sandra, many capital one cards do not charge for balance transfers and then offer the same APR as purchases after the transfer and after a billing cycle.

Picture of Chris Udermann
 

None of these beats the Sams Club 5-3-1 Master Card, 5% back on all Gas Purchases, 3 % back on all travel, hotel, airfare and restaurant and 1% back on everything else - and the amount of $$ you can earn back is much higher than any of these.. Should be the top rated card out of all of these.

8 Comments

I totally agree! Don't understand why it is not the number 1 card.

But, does this Sams' card allow a balance transfer?

what bank issues the card? probably Citi, (not interested).

22.99 on the 5-3-1 card

How to apply? Do I need to be a member of Sam's Club? There are no Sam's Club in our area.

AmEx Preferred Cash is 6% cash back on groceries, 5% at department stores, 3% on gas and 1% on all other purchases. Cost is $75 per annum. The only negative is that the grocery cash back is limited to the first $6,000 in purchases.

The problem is they don't pay but once a year. When they do pay do you get a check or credit at Sams club ?

If you are qualified, The Pentagon Federal C U is paying 5,3 & 1 % (Gas, Shopping and Everything Else) There is no restrictions regarding time or max amounts. Check it out at www.penfed.com. This is the best rewards card bar none.

Picture of Robert Fuller
 

I can't believe this is the best we have to pick from! You can have the best credit rating and still only get a 10.99% rate, this is like loan sharking, you can get a loan on a car for 2.66% or on a house. The same banks we the tax payers bailed out of trouble have raised rates so you will never get the card paid off. I guess our elected officials owe some payback for contributions received so they turn a blind eye to what's going on. If they had an Italian name they would be having the DA prosecute for loan sharking. Get out from under these crooks and burn the cards if you can't afford it now wait until you save the money to get it.

6 Comments

Absolutely Robert !!!!!! We bailed these Ba-----ds out and this is how they thank us ......while we're in a recession. Dirty Dogs.......Because of Illness and medical ......I'm seriously thinking about bankruptcy.....I called the credit card companies and explained my situation. I've been with them for years and paid them off numerous times. and when I need them to work with me ...they Can't......we're so sorry Ms. Blank. USSA is the BEST CARD.....used to only be available to military and dependent's. Now available to all. They did nor have they ever raised my APR.

great answer i agree totally that if you cant pay off the card every month then get a card with money on it so you know how much you can use and still get credit

ok for you. yes the rates on credit cards are so high they make you poor.

I can't believe this is the best we have to pick from! You can have the best credit rating and still only get a 10.99% rate, this is like loan sharking, you can get a loan on a car for 2.66% or on a house. The same banks we the tax payers bailed out of trouble have raised rates so you will never get the card paid off. I guess our elected officials owe some payback for contributions received so they turn a blind eye to what's going on. If they had an Italian name they would be having the DA prosecute for loan sharking. Get out from under these crooks and burn the cards if you can't afford it now wait until you save the money to get it. YOU ARE CORRECT (BOB)

Robert, I agree with you. Last week I ran my card for purchases at a dollar store because they are the only store in the neighborhood with window curtain rods. The screen offered cash back. The cash back service charged $1 per request. I thought cheaper than an ATM but I as only asking for $10 any way and realized a dollar store has to charge $1 because they are low man on the totem pole of stores preferred by check and credit card services. The cashier and I had been discussing cash cards with Visa or MasterCard logos. We read their bottom lines when we could find them. Neither of us thought any of them were a good deal. I don't think credit cards by their nature can be a good deal for the consumer either. The best bank card is a good personal budget.

You get.065% on a 50,000 Money Mkt at Bank Americathat money cost them maybe 2% Stocking under pillow is better

Picture of Barry Arthur
 

Can someone tell me what has happened to Master Card, I had two and they were converted to Visa????? What is the best card for cash back, I have Chase Freedom, but not sure it is the best ?

5 Comments

I was just thinking ,is it that banks charge so much fees because they know if you bellie up ,the bank's get a taxs cut at the beginning of the year, it's just legal stealing for the banks and hard time for you and the banks well they get big bonus

US Bank card is best.

US BANK IS THE BEST ! AND ALSO SECOND CHANCE BANK

barry try citi double cash card you get 1% for making a payment and 1% making purchases best card i have it

Michael, I don't pay interest on my cards but the cards pay me to make the purchases that I would normally make using cash. How does a bank get a tax cut for trying to drive purchases to their card?

Picture of Bill Tillinghast
 

Pay cash then no bills at the end of the month

5 Comments

Sounds like someone has a sugar Daddy and never had to go it alone after the death of a spouse.

This is true, however using a credit card that has cash back rewards & paying off the balance off each month earns you free money. Who doesn't like free money?

Well that is just not true! I got a second job then a third and than a better job! I pay cash. If I don't have the money at the time I just don't need it, Plus I save something out of each check, no matter how little. Half of all raises go to savings.

Isn't it interesting that the Banks pay almost nothing (usually less then 1/2 of 1 % on money markets and even less for checking accounts and then sock it to you on credit card interest rates as well as $35 0r $40 should a check need to be stopped. Yeah, let bail them out again when they screw up.

Exactly..that's what I do .....

Picture of MaKayla Sprinkle Gomez
 

I have a Capital One Quick Silver and I got a $100 bonus for spending $500 within the first 3 months and I get 1.5% CASH BACK so I pay all of my bills and EVERYTHING with it and just pay the full amount owed every month and never pay interest! How else could you get paid for paying your bills, gas, and groceries?!

4 Comments

I got Capital One seems to be a great card, but to charge up $500 to get any reward? They know they will get that back in interest.

I use the Discover IT card which offers 1-5% cash back, a Discover checking account that pays $.10 per transaction including free BillPay (for those bills that charge a fee be paid with a card). I linked those to Amazon & just use the reward cash there. Pay off the balance each month and enjoy the free money!

that's pretty smart,gotta try that!

I also have this card and it is one of the best cards to have.

Picture of Wayne Tucker
 

Why give all the breaks to new card holders. Why not the present card holders a break, especially the ones that pay thear bills on time?.

4 Comments

I agree Wayne I called Chase & they will not work with you on their card(s). Will be changing shortly NO MORE Chase for me.

You bet!!! One would think that a TRIED and TRUE customer would mean something better than 17.9 -22.9 pro cent... No problem though.... I'll just dump them and move on to the NEXT 0% offer...

I really like your idea. Sure would be great if some credit card or cards did that....Thanks for your comment..

USAA the best, look into what they ofter. Been a member for 40yrs

Picture of Mildred Haltiwanger
 

What companies offer a 0% balance transfer fee on all transfers?

2 Comments

I would like to know also.

CAPITOL ONE 0% 15 MONTHS

Picture of Robert Sorokach
 

22.9% interest!!!! Are they crazy?????

2 Comments

yes they r crazy………its the best thing going for these credit card companies. 22%. its an incredible return. Imagine doing 22% on your investment…You would be brilliant

after hospitalization credit went sour with three months in hospital, I understand a higher interest for me. Is it fare/right to have to pay higher interest because of illness , feels wrong, but only thing to do sometimes is to pay it untill credit improves again. Have you paid timely for 6 months? call and simply ask to lower the interest rate.

Picture of Bill Paris
 

I already get 1per cent return

2 Comments

You already get 1% return and the bank gets 18 - 29.99%! I wish the banks would tell me what is so good about that???

nice one,, so how can i get one

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