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Best Credit Card Deals

Last update: Feb 27, 2015

best credit card deals The post-Great Recession landscape has been rife with attractive credit card deals – including hundreds of dollars in initial bonuses and extended 0% terms. But which are the best of the bunch? After reviewing more than 1,000 options, CardHub’s editors have selected the following offers (some of which are issued by CardHub advertising partners) as the Best Credit Card Deals of 2015. If you want to narrow your search based on the type of feature you’re most interested in, you can also check out CardHub’s picks for the Best Rewards Credit Cards, Best 0% Credit Cards, the Best Balance Transfer Credit Cards and more.

Excellent Credit Best Credit Card Deals for Excellent Credit
Chase Slate®

chase slate Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: None
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0
  • Rewards: None
  • Editor's Notes: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
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Chase Sapphire Preferred® Card

chase sapphire preferred credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3% (min $5)
  • Regular APR: 15.99% (V)
  • Annual Fee: None 1st yr, $95 after
  • Rewards: Points
    • Bonus: 40,000 points
    • Base Earn: 1 points / $1
    • Max Earn: 2 points / $1
  • Editor's Notes: While you might be able to find an initial bonus that offers more points/miles than the Chase Sapphire Preferred Card, it’s hard to argue against thismore
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Capital One® Venture® Rewards Credit Card

capital one venture rewards credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 13.9% - 20.9% (V)
  • Annual Fee: $0 for 1st yr, $59 after
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 2 miles / $1
    • Max Earn: 2 miles / $1
  • Editor's Notes: Best for Rewards. The Capital One Venture Rewards Credit Card has one of the best rewards on the market. The 40,000 bonus miles you gmore
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Barclaycard Arrival Plus™ World Elite MasterCard®

barclaycard arrival world mastercard credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 3%
  • Regular APR: 14.99% or 18.99%
  • Annual Fee: None 1st yr, $89 after
  • Rewards: Miles
    • Bonus: 40,000 miles
    • Base Earn: 2 miles/$1
    • Max Earn: 2 miles/$1
  • Editor's Notes: Best for Rewards. The Barclaycard Arrival Plus World Elite MasterCard is one of a select few offers providing consumers with the oppomore
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Good Credit Best Credit Card Deals for Good Credit
Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 2015
    • Transfer Fee: 3%
  • Regular APR: 12.9% - 22.9% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. The relatively new Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s more
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Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Purchase Intro APR: 0% until May 2016
  • Transfer Intro APR: 0% until May 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Fair Credit Best Credit Card Deals for Fair Credit
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 2015
    • Transfer Fee: None
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Limited History Best Credit Card Deals for Limited History
College Students
JourneySM Student Rewards from Capital One®

capital one student rewards credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 19.8% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 1.25%
  • Editor's Notes: Best for College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards withoumore
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BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3%
  • Regular APR: 10.99% - 20.99% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for College Students. It’s rare for a student credit card to offer terms comparable to the best credit cards on the market, but more
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Non-College Students
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • Transfer Intro APR: 0% until November 2015
    • Transfer Fee: None
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Bad Credit Best Credit Card Deals for Bad Credit
Secured Card
Capital One® Secured MasterCard®

capital one secured credit card Apply Now

  • Min Deposit: $49, $99, or $200
  • Annual Fee: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: Best Partially Secured Card. While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its clamore
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Unsecured Card
Credit One Bank® Credit Card with Gas Rewards

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.90% - 23.90% (V)*
  • Learn More »
About our Editor's Picks

Our editors' recommendations for the Best Credit Card Deals are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

Is credit standing the only factor to consider?

By: Odysseas Papadimitriou, CardHub CEOIf you can't get approved for a given credit card, it might as well not exist. Therefore, your credit standing dictates the credit card deals available to you and helps narrow your search. However, it's not the sole factor to be taken into consideration when searching for the best credit card deal. Credit cards are usually designed for specific purposes, and, as a result, the best deals on credit cards depend on what you plan to use your card for in addition to your credit standing.

How often do these credit card deals change?

By: Odysseas Papadimitriou, CardHub CEOPeople often search for the best credit card deals 2011, implying a belief that these deals are static. However, credit card companies regularly change their offers, often altering rewards, interest rates and fees in the process. This means that the best credit card deals one month might not be the same as the next. As a result, our editors update this list whenever they find new deals.

What's the difference between credit card deals and credit card promotions?

By: John Kiernan, Personal Finance EditorCredit card promotions, or credit card specials, are generally limited-time offers used by credit card companies to advertise special card features, such as an introductory 0% APR. While some of the best credit card deals stem from credit card promotions, others are categorized as good deals because of prominent yet permanent features. However, since these terms are so closely connected, they are often used interchangeably to describe top credit card offers.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
Jan 4, 2015
By:

--Comment from Cody Reed--

Jan 4, 2015
The low rates and ease of payment of my Amazon credit card make using it simple.
Jan 2, 2015
By:

--Comment from Joseph Broski--

Jan 2, 2015
The best credit card for you probably depends on what benefits you want most out of the card. The best card I know about is amazon's own card. If you're like me and do all of your shopping at amazon, the savings add up. There's no annual fee and the rates are what you would expect from a retailer card and will vary based on market. Either way, the rewards card is great since everything gives you a percentage back on purchases made anywhere.
Jan 2, 2015
By:

--Comment from Desmond Sessions--

Jan 2, 2015
My wife and I both have our own Capital One platinum prestige cards. We were fortunate enough to also be awarded 13% APR and although there are no rewards, the benefit of no annual fee is a better bargain to me. It is a very persistent card and I have had it since 2008. I love this card because the monthly required payment amount is of medium weight and there isn’t much interest to be charged.
Jan 1, 2015
By:

--Comment from Sarah Malpass--

Jan 1, 2015
I have a number of cards which have helped me build and maintain my credit and my favorite by for is the capital one quicksilver card. I love the rewards system, you get 1 percent of every purchase back. You can redeem your rewards whenever you like for any amount. This card also has a good interest rate for me which is great for when i make big purchases that i intend to pay off over a number of months.
Dec 30, 2014
By:

--Comment from Gary Gagnon--

Dec 30, 2014
How long before I get an answer
Dec 20, 2014
By:

--Comment from Isis Shaw--

Dec 20, 2014
I love my Discover IT card. They have tons of stores that offer 5% cash back and you can even use Shop Discover which gives you even more discounts.
Dec 1, 2014
By:

--Comment from Hunter Lee--

Dec 1, 2014
I prefer Capital One® Quicksilver® Cash Rewards Credit Card because there is no annual fee!
Nov 26, 2014
By:

--Comment from Karrie Bauer--

Nov 26, 2014
My favorite credit card that is out there is the chase platinum. I like this card because it has a low interest rate and every-time you use your card you get rewards that you can turn in for gift cards and other merchandise.
Oct 8, 2014
By:

--Comment from Kayla Robbins--

Oct 8, 2014
I think the best credit card, especially for those just starting out (students, young adults, etc) is definitely the Discover It card. You could say it has that "it" factor! No annual fees, which for me is hugely important. I won't even consider a card that charges an annual fee, and I'd encourage you not to as well. The general lack of fees coupled with reasonable interest rates, tremendous customer service, generous fraud liability protection and a great reward program skyrocket this card to the top of my charts. Another close contender, however, is Amazon's credit card, which may even be better IF you shop at Amazon a lot, like I do. If not, the Discover it is where "it's" at.
Oct 8, 2014
By:

--Comment from Desmond Sessions--

Oct 8, 2014
As a another college student, I would argue that the best credit card to use is the My One card from Capital One. This card allows me to retrieve my refund quickly and it also has a 1% cash back benefit. Customer service is decent but the representatives are always available for students. Their website and consulting services provide knowledge about credit and responsibility and similarly, scholarships are provided by their intuition. Another benefit is the fact that there is no annual fee and you can receive one just for being a student. Recipients must be responsible. It is a very rewarding card for responsible students.
Oct 8, 2014
By:

--Comment from Steven Gibson--

Oct 8, 2014
As a college student the best credit card for myself is the Journey Student Rewards from Capital One. This card has competitive interest rates and they allow for 1% cash back. Their customer service is great, they are very patient with students, like myself, who do not have very much knowledge about how credit cards work. This is a great card for students to start building credit. There is no annual fee and they do not require you to have perfect credit to apply. This card has helped me build a good base credit while still in school. As long as you responsible this will be a great card for you.
Oct 8, 2014
By:

--Comment from James Jasso--

Oct 8, 2014
Chase Slate is my pick for the best card and these are some of the reasons why. I mean what can I say I have had this card for a while and all I can say is, this card has never let me down. I mean everyone knows about the amazing ARP and the 0% intro rate, but its the other things that make this card great. Like the max late fee is only 35.00, the mobile apps, and the easy application process. Overall this card is great my only major gripe is that there are no rewards programs, which is a mainstay now of almost every credit card these days. I am very happy with this card overall I feel like this was a great investment and I also like having this in case of an emergency. Thanks again !!!!
Sep 21, 2014
By:

--Comment from Marino Johns--

Sep 21, 2014
My favorite credit card is the Macy’s American Express. I love it because AMEX often has promos where you can add them to your card like the spend $150 get $15 back for purchases at NewEgg. They also have a bunch of other ones like for BestBuy or WholeFoods.
Sep 19, 2014
By:

--Comment from Myrone Gaines--

Sep 19, 2014
My favorite credit card is the Discover It card. Gives the best of both worlds with awesome cashback bonuses and no annoying annual fees. No foreign transaction fees allows me to travel abroad and not have to worry. Customer service has also been top notch.
Sep 3, 2014
By:

--Comment from PJ Wiltgen--

Sep 3, 2014
I have several credit cards, but by far my most often used and enjoyed is my Chase Amazon.com credit card. I was approved in seconds, and upon signing up received a $50 amazon gift card instantly. I was given a generous credit line and a decent interest rate, and no annual fee. The best perk of this card is the reward points feature. 3x points on all amazon purchases, which can add up quickly if you shop on Amazon regularly. I do my banking through Chase, and their app also shows my balance for this credit card as well as the option to make instant payments straight from my checking account in what takes about 10 seconds.
Dec 27, 2014
Photo of Peggy C.
Dec 27, 2014
Would like to have that card
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