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The Best Credit Card Offers & Deals

Top Credit Card Offers for July 2015

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Top Low Interest Cards with 0% APR

 

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3.7/5.0 from 2,361 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.99%-22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 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 credit score of 700 or Higher.

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Excellent
Highlights
  • Click "APPLY NOW" to apply online or call 877-886-4537
  • 0% Intro APR on Balance Transfers and Purchases for 21 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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4.3/5.0 from 2,537 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% APR for 15 Months on Purchases & Balance Transfers*

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Regular Purchase APR

12.99%-22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% APR for 15 Months
Intro Balance Transfer: 0% APR for 15 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 credit score of 700 or Higher.

Get Your Free Score!
Average/Fair/Good
Highlights
  • Click "APPLY NOW" to apply online or call 888-343-4081
  • 0% Intro APR on Balance Transfers and Purchases for 15 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 only 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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4.2/5.0 from 1,861 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% until July 2016*

Rewards Rate

Earn 1.25 miles per $1 on all Purchases*

Regular Purchase APR

11.9% - 21.9% (Variable)

Sign Up Offer
Intro Purchase APR 0% intro on purchases until July 2016
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 11.9% - 21.9% (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good
Highlights
  • Click "APPLY NOW" to apply online
  • 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 per dollar 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 July 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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
More Card Details

 

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3.7/5.0 from 1,650 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for purchases for 15 billing cycles

Intro BT APR

0% for qualifying balance transfers for 15 billing cycles

Regular Purchase APR

10.99% - 20.99% Variable on Purchases & Balance Transfers

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 credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good
Highlights
  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 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. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals  
More Card Details

 

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3.7/5.0 from 1,650 Cardholder Reviews Over the Past 60 Days!

 
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Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar*

Regular Purchase APR

12.9% - 22.9% (Variable)

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 12.9% - 22.9% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good
Highlights
  • Click "APPLY NOW" to apply online
  • 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 per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with 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
More Card Details

 

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3.7/5.0 from 1,830 Cardholder Reviews Over the Past 60 Days!

 
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Intro APR

0% for 15 Months on Balance Transfers & Purchases*

Rates & Fees

No Annual Fee & No Balance Transfer Fee*

Regular Purchase APR

12.99%, 17.99%, 22.99% Variable*

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% Variable
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Good
Highlights
  • Click "APPLY NOW" to apply online
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
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3.7/5.0 from 2,218 Cardholder Reviews Over the Past 60 Days!

 
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Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Regular Purchase APR

13.99%-22.99% Variable*

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 credit score of 700 or Higher.

Get Your Free Score!
Good
Highlights
  • Click "APPLY NOW" to apply online
  • Named a Best Card for Cash Back by MONEY® Magazine
  • 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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open
More Card Details

 

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4.3/5.0 from 1,742 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for purchases for 12 billing cycles

Rewards Rate

Earn 1.5 points per $1

Regular Purchase APR

14.99% - 22.99% Variable on purchases & balance transfers

Sign Up Offer
Intro Purchase APR 0% for purchases for 12 billing cycles
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 14.99% - 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 credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good
Highlights
  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.  
More Card Details

 

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Your Rating:

4.2/5.0 from 1,870 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

11.99%-21.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 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 credit 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 21 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*
More Card Details

 

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Your Rating:

3.8/5.0 from 1,879 Cardholder Reviews Over the Past 60 Days!

 
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Intro Balance Transfer APR

0%* for 18 Months

Bonus Rewards

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Sign Up Offer
Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months
Ongoing Information
Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent
Highlights
  • Click "APPLY NOW" to apply online
  • Double all the cash back you've earned at the end of your first year automatically-only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It(SM) on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
More Card Details

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Picture of Tom Pizzino
 

No One will Let me get any Credit Card

Picture of David Wilfredo Prado Betancourt
 

i need a creditr card

Picture of Kelly Hooper
 

I have never owned a credit card and keep applying and they wont give me one,how do the people expect me t build my credit,ts soo hardwhen they don't give you a chance!!!

1 Comment

Hi Kelly,

Typically, if you're trying to build credit for the first time, you'll need to start with a secured credit card. A secured card is essentially a credit card with a security deposit. You give the bank a small amount of collateral in the form of cash and they give you a credit card, usually with a relatively low line of credit. Paying your monthly bill on this card will help you build credit, and after 6 months to a year, once you've established a good repayment history and if you don't owe anything on the card, they will return your collateral to you and you can apply for a standard, unsecured card card.

Picture of Phil Magil
 

Consumption! It’s the new national pastime. To heck with baseball, it’s consumption. The only true lasting American value that’s left – buying things! People spending money they don’t have on things they don’t need – MONEY THEY DON’T HAVE ON THINGS THEY DON’T NEED – so they can max out their credit cards and spend the rest of their lives paying 18% interest on something that cost $12.50! And they didn’t like it when they got it home anyway!

Picture of Brenda Henson
 

I simply need a card for emergencies. Thanks

1 Comment

Hi Brenda,

The main things you would want to look of in a credit card for emergencies would be no annual fee and a low interest rate. Two cards I would recommend that you consider would be the Citi Simplicity and the Barclaycard Ring MasterCard Also, you should check out check out this blog we wrote about this exact topic!

Picture of Stewart Norman
 

I have a card already and it is okay

Picture of Judy R. Evancic
 

These cards are still too high for the interest rate being given across the country. I have a card and even though I have an excellent credit rating the percentage they offer me is beyond reasonable. So I'll be paying this off. They have lost a good customer because they refused to work with me to lower the rate.

Picture of Donnetta Jackson
 

A credit card that help get you back on track with your credit.

Picture of Toni Steele
 

If I already have one of the credit cards above, can I still qualify for the special offer? It looks like it's for new customers only. Seems like they would like to reward their loyal customers that already have their cards.

1 Comment

Hi Toni,

Unfortunately, the promotional offers are for new cardholders only. However, you can always call your credit card issuer and request an interest rate reduction. If you have a good payment history with them, they are often willing to work with you!

Picture of Carmela Iavarone
 

Reading these post, I had no idea that closing a credit card hurts your credit. If your card had fraud and I shut it down and got a new card assigned, does that hurt your credit also? I never carry a balance and I'm OCD on paying all bills on time. So when I went to get a mortgage I was shocked to see my score at 714. I know it's still a good score, but I have very high limits on my cards, averaging 10,000, but I only use about 2,000 a month on them and pay them off 100% every month. So I could not understand the score being that low except for I had to replace two different cards and have new numbers assigned.

2 Comments

Hi Carmela,

It sounds like you are doing all of the right things to maintain an excellent credit score. Since you always pay your bills on time and your credit utilization rate is around 20%, you have the two most important factors taken care of. Closing an account can have a negative impact on your score for a few reasons. Because the average age of your accounts impacts your credit score, closing one of your oldest accounts can be particularly harmful. However, if there was fraud on one of your credit cards, the bank will usually just send you a new card while keeping the same account open -- it shouldn't "rewind" the age of that account, and thus, won't have a negative impact on your credit score.

One reason your score might be lower that you expected is that there may be errors on your credit report. I would recommend checking your credit report to make sure that all the information is correct. You can do so for free by signing up for our Credit Concierge service. You can receive and updated credit score each month and signing up will have no impact on your score!

Exactly why do you need a credit score? All a credit score is how much you like to play kissy face with the banks and have debt. CASH is KING!

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Best Credit Card Deals

We have organized the best credit card offers by category and our Editors choice. You will find the hottest and most mouthwatering credit card offers available to consumers as well as small businesses.

However, the top credit card offers change very frequently. Sometimes, companies release new credit card offers just for a given month, but most deals are changed in some form or fashion every 6 months.

With thousands of credit card deals out there, your time is valuable, too. That is why the work is done for you by a dedicated team of credit experts who put the consumer first. Find out what the Editor's choice and runner ups for each category are, then, choose the right one for you only after comparing them on your own. Need more information? View our guides that offer comprehensive overviews of the credit card deals currently available.

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