Best Credit Card Rates

Minimum Credit Required

Good

Editors Notes

The Citi Simplicity Card offers one of the longest 0% introductory period on the market for balance transfers, at 21 months. It also offers a 0% intro rate on new purchases for 12 months, making the card well-suited for someone who is looking to either avoid interest on an upcoming big-ticket purchase or lower the cost of existing debt. The Simplicity Card does charge a 5% (min. $5) balance transfer fee, though, so if a card is available that offers 0% for more than a year and does not charge a transfer fee, it might be a better option for transferring a balance. Note: Citi is an advertising partner.

Additional Info Details

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER

0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

The same great rate for all balances, after the introductory period

Save time when you call with fast, personal help, 24 hours a day – just say “representative”

Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Minimum Credit Required

Excellent

Additional Info Details

NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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

Minimum Credit Required

Excellent

Editors Notes

Best for Balance Transfers. The Slate Card from Chase is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee (for the first 60 days) nor an annual fee. These unusually attractive terms stand to save the average consumer as much as $1,000 in fees and finance charges while expediting the timeline to debt freedom. A credit card calculator can give you a more-exact sense of how valuable the Slate Card will be in your particular situation. For more information, check out our full review of the Chase Slate Card.

Additional Info Details

$0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.

0% Intro APR for 15 months on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.

No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply.

Minimum Credit Required

Good

Editors Notes

While the VentureOne Rewards Card isn't quite as rewarding as Capital One's flagship Venture Card -- offering 20k bonus miles and 1.25 miles/$1 -- it's not quite as expensive either, having no annual fee compared to the Venture Card. This card also provides an extended 0% introductory term for purchases, enabling cardholders to leave their would-be payments in the bank for longer. It is a very solid option for people with good credit. For full disclosure, Capital One is one of our advertising partners.

Rewards Details

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; learn more at hotels.com/venture

Fly any airline, stay at any hotel, anytime

Travel when you want with no blackout dates

Miles won't expire for the life of the account and there's no limit to how many you can earn

Additional Info Details

Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that

No foreign transaction fees

Minimum Credit Required

Good

Additional Info Details

0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% 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

Minimum Credit Required

Good

Rewards Details

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.

Additional Info Details

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.

Minimum Credit Required

Limited History

Editors Notes

Best for Low-Cost Credit Improvement. Given that it does not charge an annual fee, the Capital One Platinum Credit Card can serve as a viable low-cost credit building tool for consumers who have yet to establish much credit history. While this offer does not include rewards or a 0% introductory interest rate, such perks aren't available on any other no annual fee credit card for fair or limited credit either. It was possible for applicants to find cards offering such an attractive collection of terms in years past, but market dynamics have conspired to eliminate their availability. Note: Capital One is an advertising partner.

Additional Info Details

Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen

Use online banking to access your account, even from your smartphone, with our mobile app

Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Get access to your account 24 hours a day, 7 days a week

Help strengthen your credit for the future with responsible card use

Minimum Credit Required

Limited History

Rewards Details

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 or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Additional Info Details

No annual fee. No late fee on first late payment. No APR change for paying late.

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.

Minimum Credit Required

Limited History

Editors Notes

Best for Student Financing. This card is capable of meeting the needs of various types of college students, from those who wish to earn rewards on everyday expenses like gas and groceries to those who need help paying for big-ticket expenses like textbooks. The fact that it doesn’t charge an annual fee and actually pays you $200 just for spending $500 in the first 90 days you have it just makes things sweeter. The one thing you don’t want to do with this card is use it overseas, as it charges a 3% foreign transaction fee. So, if you plan on studying abroad or doing some international travel, you may want to consider a card from Capital One (none of its offers charge foreign fees).

Rewards Details

Online offer: Get $200 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days of account opening.

Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery store, wholesale club, and gas purchases each quarter.

Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.

When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.

Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.

Additional Info Details

0% Introductory APR for 12 months on balance transfers made within 60 days of account opening.

Security Benefits: $0 Liability Guarantee, ShopSafe® Fraud Monitoring, Overdraft Protection and Paperless Statement Option.

Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.

Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.

Minimum Credit Required

Bad

Editors Notes

Best Rewards Secured Card. Not only does the Discover it Secured card lack an annual fee, but it actually offers rewards – a rare combination for the bad-credit crowd. You will earn 2% cash back on the first $1,000 you spend at restaurants or gas stations each quarter as well as 1% on everything else. And everything you earn the first year will be doubled. Plus, Discover it’s $200 minimum deposit is lower than what many competing offers require. For full disclosure, Discover is one of our advertising partners.

Rewards Details

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

We automatically match all the cash back you’ve earned at the end of your first year.

Additional Info Details

No Annual Fee, earn cash back, and build your credit with responsible use.

It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.

Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.

Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

Minimum Credit Required

Bad

Editors Notes

Best Unsecured Card for Bad Credit. We tend not to recommend unsecured credit cards for bad credit given the prohibitive costs and low credit lines typical of the genre. If you truly need an emergency loan, however, this Credit One Bank Visa Card is your best bet. It charges a relatively modest annual fee of $0 - $75 the first year, depending on your credit standing, and $0 to $99 each year thereafter. And it even offers 1% cash back on eligible purchases. For full disclosure, Credit One Bank is one of our advertising partners.

Rewards Details

Receive 1% cash back rewards on eligible purchases, terms apply

Additional Info Details

See if you Pre-Qualify without harming your credit score

Track your progress with free online access to your Experian credit score, terms apply

Looking to rebuild credit? We report to the major credit bureaus monthly

Accounts are automatically reviewed for credit line increase opportunities

Make paying your bill easier with the ability to choose your payment due date, terms apply

Stay in-the-know with customizable account alerts via email and text

Enjoy peace of mind with $0 Fraud Liability