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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 2,551 Offer Ratings
Over the Past 60 Days!

(2,551) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Intro APR 0% for 15 Months on Purchases and Balance Transfers
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 18.24% - 28.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 18.24% - 28.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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Bank of America® Cash Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,117 Offer Ratings
Over the Past 60 Days!

(1,117) Over the Past 60 Days!
  • Bonus Cash $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in your choice category & 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Unlimited 1% on all other purchases
  • Reward Terms You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase

See additional details for Bank of America® Cash Rewards credit card

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Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 625 Offer Ratings
Over the Past 60 Days!

(625) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Hotel Bonus Rewards Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 576 Offer Ratings

(576)
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Cash Back Details No minimum to redeem for cash back
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey?
  • No annual fee

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 678 Offer Ratings
Over the Past 60 Days!

(678) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 15.24% - 25.24% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 997 Offer Ratings
Over the Past 60 Days!

(997) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 17.74%-27.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

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Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 412 Offer Ratings
Over the Past 60 Days!

(412) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 734 Offer Ratings
Over the Past 60 Days!

(734) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 14.24% - 25.24% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

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Bank of America® Travel Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 721 Offer Ratings
Over the Past 60 Days!

(721) Over the Past 60 Days!
  • Bonus Points 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening
  • Redeeming Your Points is Easy Any airline, any hotel, anytime. No blackout dates. Redeem points for a statement credit. Points don't expire.
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

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
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 17.24% - 25.24% 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%

See additional details for Bank of America® Travel Rewards credit card

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Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 567 Offer Ratings
Over the Past 60 Days!

(567) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 16.24% - 26.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 16.24% - 26.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

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Capital One® Savor® Cash Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 235 Offer Ratings
Over the Past 60 Days!

(235) Over the Past 60 Days!
  • Rewards Rate 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Sign-up Bonus Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

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NEW! The only card that automatically rounds up every purchase to the nearest 10 points

Citi Rewards+℠ Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 287 Offer Ratings
Over the Past 60 Days!

(287) Over the Past 60 Days!
  • Intro Purchase APR 0% for 12 months
  • Rewards Rate 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases
  • Regular Purchase APR 15.74% - 25.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

See additional details for Citi Rewards+℠ Card

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Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 325 Offer Ratings
Over the Past 60 Days!

(325) Over the Past 60 Days!
  • Bonus Miles We'll match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem your Miles as a statement credit towards travel purchases*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! 
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. 
  • No Blackout Dates - fly any airline, stay at any hotel. 
  • Redeem your Miles as a statement credit towards travel purchases. 
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. 
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. 
  • Receive FREE Social Security number alerts - Discover will monitor thousands of risky websites when you sign up. 
  • No Annual Fee.
  • See Rates & Fees

See additional details for Discover it® Miles

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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

 

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Your Rating:

3.9/5.0 from 123 Offer Ratings
Over the Past 60 Days!

(123) Over the Past 60 Days!
  • Sign Up Bonus Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Bonus Rewards First checked bag free on domestic itineraries & preferred boarding
  • Rewards Rate Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases*
  • Annual Fee $99, waived for first 12 months*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*

See additional details for Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

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Wells Fargo Cash Wise Visa® Card – $200 Cash Rewards Bonus

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 141 Offer Ratings
Over the Past 60 Days!

(141) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Sign Up Bonus Earn $200 cash rewards bonus*
  • Mobile Wallet Rate Enjoy 1.8% cash rewards with Apple Pay® or Android Pay™, during the first 12 months*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Cash Wise Visa® Card – $200 Cash Rewards Bonus

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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 767 Offer Ratings
Over the Past 60 Days!

(767) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

See additional details for HSBC Gold Mastercard® credit card

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any card issuer.

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Picture of Toni Steele

By: | Jul 21, 2015

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 Reply

By: CompareCards | Jul 23, 2015

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

By: | Jul 21, 2015

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 Replies

By: CompareCards | Jul 22, 2015

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!

By: Tim Malone | Jul 22, 2015

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!

Picture of Michelle Suppes

By: | Jul 21, 2015

I am quite surprised that Discover is not listed here. I have had the best experience with this company. When I call for assistance I am connected to someone working in America that means they are supporting our economy and I can converse with someone I understand. I have also twice been very human and a day or two late on a payment. Both times were definitely mistakes on my part as I usually pay early and pay extra and both times my late fee was removed and my zero percent interest rate was not jacked to something like 29.99 percent. Awesome company in my opinion and very comparable to the offers I see listed here. Sorry to see Discover isn't on this list.

1 Reply

By: Robert May | Jul 22, 2015

I used to have Discover and their interest rate was way out of line. I called them to get a reduction in rate and they could have cared less, so I dumped them. My feeling is that they needed me more than I needed them, and they failed me so they were history. Best decision I ever made credit card wise.

Picture of Judy Hoyt

By: | Jul 20, 2015

What happened to the checks Citi used to send so that we could use the 0% for 18 - 24 months?

1 Reply

By: Barbara Malone | Jul 24, 2015

That's what I need! right now.

Picture of Sammy Perkins

By: | Jul 20, 2015

THE BEST THING IN WHICH TO OPEN A CONVERSATION.

Picture of Elizabeth Chachere

By: | Jul 19, 2015

How can I even apply to any of these credit cards if they all require good/excellent credit ratings?I only have a fair credit rating and lost my credit cards due to a scam that was done to me.

2 Replies

By: CompareCards | Jul 20, 2015

Hi Elizabeth,

There are a number of credit cards available for people with less than excellent credit. Check out our credit cards for fair credit page to see all of the options!

By: Scott Wardenski | Jul 20, 2015

If you were a victim of fraud and have proof, you can have all of the thing's that destroyed your credit during that time removed and it will base your credit off only what your actual activity was. Then you will have good credit and can apply for one of these cards. If you don't have proof then there is nothing you can do and you cant get one of these cards unless you have a score of 700 or better. But 9 times out of 10 fraudulent activity can be proven and removed from your record.

Picture of Deborah Lowe

By: | Jul 19, 2015

I have poor credit and now trying to fix my credit what card would be the best card without me trying to inquire because i heard that goes against your credit.

2 Replies

By: CompareCards | Jul 20, 2015

Hi Deborah,

The Credit One Bank Credit Card is a card designed for people who have poor credit and are trying to rebuild. You can easily find out if you are pre-qualified while having no effect on your credit.

By: Stacy Colnaghi | Jul 20, 2015

Any card you apply for will show as an inquiry on your credit. With poor credit, it will take a few applications but be warned... the interest rate is always the highest and the lowest amount of credit given. These companies are looking to test you and your spending habits. I got my first card after bankruptcy. They started me at $500 and now almost ten years later, I have $9,500 credit limit with them. Every so many months they will review your account and award an increase.

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By: | Jul 16, 2015

My thoughts are conflicted we need cards to move through the general society for food travel education and health but the overt fees and charges add to your bill to use your own money is rediculeous and only benefits the codes on your cards they use and abuse you without you ever knowing unless you are carefully writing down your purchases and keep your receipts you are in for a wake up call that say ....you all were dupted into extending your trust and now that you owe you can't eat sleep or go to the doctor without getting permission or you forfeit everything and your good intentions to pay what you actual owe become another burden that you need to be bailed out of ..Sadly many people are lost before they find out the truth about the scams .....be careful ,,!

2 Replies

By: Stacy Colnaghi | Jul 20, 2015

1st of all, the money on the cards are NOT yours. It is the banks that loan you the money that is why interest is add monthly. Most cards do not charge a yearly fee. But mind you don't miss a payment. This is how fees get added. But the money on the cards is in NO WAY your money, it is the banks. You are borrowing THEIR money.

By: Scott Wardenski | Jul 20, 2015

When you have a credit card in your hand you should know in your head automatically this is not my cash this is money I am basically borrowing and will pay interest unless you have the physical funds to back it up and pay it all off at once at the end of the billing cycle or large portions every month until your balance is back to zero. You have to exercise restraint and control when using a credit card. People with credit scores of 775 and above are people who rarely use their card and pay off large portions each cycle if not the entire amount that same billing cycle. "Restraint" These cards with these great offers are a reward to those who are financially responsible and the best card is based of the APR 10% is a really good APR. At 23% and above if you don't pay the card off fast they get you for almost a quarter more then what you actually paid for your items.

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By: | Jul 16, 2015

I have good credit. I never really paid attention to card benefits. now I look I notice the difference in interest rates and benefits. wondering should I apply for a lower interest rate card to replace the higher interest rate cards and close the ones that don't benefit me? also which card/cards give you the highest credit limit? or what has been your highest limit and with what card? I know a lil about credit. I know if I close some accounts it will hurt my score and applying for new cards will to. should I just keep what I got? credit score avg 745-760 between the 3 agencies

1 Reply

By: Scott Wardenski | Jul 20, 2015

Never close a credit card or allow it to close that is an automatic negative effect on your credit score. Leave those accounts open just don't use them any more. Ultimately at some point the card company will tell you, you have to make a purchase to keep the account open. Buy one item it can be 99 cents. Pay it all off at the end of the month and keep the account current. Meanwhile if you have the credit score to get a card with a lower interest rat apply and inquire what the interest will be. Applying for credit and then you deciding yourself that you don't want to open that card will not affect you negatively, however if you apply and get denied by the card company it will affect you negatively.

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By: | Jul 15, 2015

Trying to imptove my credit score. What is the best card to try to get?

1 Reply

By: Scott Wardenski | Jul 20, 2015

I would go with the Discover card that offers the 12 month 0 APR and then 10.99% thereafter. Rewards don't really matter that much to me to some it does if rewards are your thing look for a card with out-least 10% cashback and no more than 15% APR. But again my choice would be the Discover with 10.99% APR because at the end of the day the most important thing is interest and unless you pay in full every month, that usually will cost more then any reward would give you. Its hard to get much lower then that unless you have a perfect credit score.

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