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Best Credit Card Deals

Last update: Jun 30, 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 from CardHub sponsors) 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, 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: None
  • 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 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 point / $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 Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 12.9% - 22.9% (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™ Credit Card

barclaycard arrival plus

  • Purchase Intro APR: N/A
  • Transfer Intro APR: 0% for 12 months
    • Transfer Fee: 3%
  • Regular APR: 15.99% - 19.99% (V)
  • 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 Apply Now

  • Purchase Intro APR: 0% until March 2016
  • Transfer Intro APR: 0% until March 2016
    • 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

  • Purchase Intro APR: 0% until September 2016
  • Transfer Intro APR: 0% until September 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 20.9% (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

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until March 2016
  • Transfer Intro APR: 0% until March 2016
    • 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
Journey® 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

  • 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

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until March 2016
  • Transfer Intro APR: 0% until March 2016
    • 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: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 24.9% (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)*
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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.)

 
Jun 14, 2015
By:
I have always been a fan of the BankAmericard for Students card. The fact that it is a card designed by and for students already puts you at an advantage at a young age. There might not be any rewards, but there is also no annual fee.
Jun 14, 2015
By:
I haven't used a lot of credit cards, but the Capital One Quicksilver card is the best one I have used. 18 months of 0% APR is what did it for me, with 1 percent cash back. It is one of the best choices i have made credit card wise. The Customer service is amazing, they have successfully discussed and solved all of my problems. This is one of the top cards on the market. I very much recommend it.
Jun 12, 2015
By:
The Capital One Quicksilver card is one of the best cards out there. You'll start off with 0% APR for the first 18 months while getting 1.5% cash back on every purchase. This means you can buy as many things as you want and earn rewards while not accruing any interest whatsoever. It's like they're paying you to have this card and that's a great feeling. Capital One's customer service is also really friendly and helpful. They have been the best in customer service in my experience. When you look at all aspects, very few cards match up to the Capital One Quicksilver card. I highly recommend it.
May 20, 2015
By:
I have used a lot of credit cards, and my favorite has been the Capital One Quicksilver Cash Rewards card. I initially used this card to transfer over other high credit card debt because of the no interest introductory offer. Once I was able to pay down the transferred debt, I found myself using the card quite often. The card has a great interest rate and the rewards program is excellent. I get cash back on my purchases which are especially nice when it comes to fueling up my car. I drive a lot during the week, so the cashback offered by this card is perfect for me. I highly recommend the Capital One Quicksilver Cash Rewards card.
May 16, 2015
By:
The Chase Sapphire Preferred® Card really gets you some great rewards for the money you spend. I have used it for many years and all the freebies I have gotten from it have been great. I would highly recommend it if you like free stuff!
May 9, 2015
By:
I really like my Capital One® Venture® Rewards Credit Card it took me awhile to build my credit up enough to get it but now that I have it the rewards are great. I always pay it off on time so am not even concerned about the interest. All I care about is that I get good rewards and this one certainly gives them.
May 8, 2015
By:
Bank of America is the best , they have great customer service, that help in case of emergency and are there 24/7. Their interest rates are excellent. They dont have any fees, the convienience is great. you can pay on your smartphone and they have an app. The have cash back rewards which is also awesome
May 8, 2015
By:
I have two credit cards: a secured credit card and a Quicksilver 1.5% cash back card, both through Capital One. I haven't had any customer service experiences with either, since I've never run into any issues with either. I love my Quicksilver card, though. The 1.5% cash back isn't too stellar, but it's definitely appreciated. If you use it more-or-less exclusively, you're definitely going to exceed its annual fee (which is quite high). It also came with about a year of 0% introductory APY, and you still earn cash back during that period. Definitely recommended if you don't have the greatest credit score, and Capital One often runs pre-approval promotions on it.
May 8, 2015
By:
I am currently using Chase Freedom Card. From my personal experience with all the cards I have had in the past 5 years, this is by far the best one. You can get cash back on almost anything you buy, especially gas and up to 5%. The rates are really low and the cash back rates as well. On top of that the monthly minimum payments are low as well. There are no annual fees as well. It is a great card with many benefits.
May 8, 2015
By:
The best on the market that I use is an AmEx Gold card. I got it originally as an extended line of credit from my father, but I've found it quite useful. The annual fee is reasonable, I get free benefits such as roadside assistance and rental car insurance. Every time that I need to speak to customer support, they are always willing to extend themselves for me in order to right anything that might have been wronged. I wish more places accepted AmEx!
Apr 27, 2015
By:
The best card I know of has got to be the Discover IT card. It's a very versatile card with no annual fees, reasonable interest rates, and a flexible cash back program, so it's perfect for just about anybody, I think. Plus, Discover's customer service is so great, they're always very helpful and kind when I have a question.
Apr 27, 2015
By:
I have the Quicksilver and the student cash rewards cards (for a time). No annual fees and normally you get 1.5% back. I made all Christmas related purchases and I don't normally do Christmas. This year I expect to get somewhere between $300-400 back.
Apr 27, 2015
By:
My favorite card is easily the Platinum Prestige from Capital One. It has a lot of great bonus features and offers an intro APR that is pretty much impossible to beat. I used it to transfer a balance from a previous card to 0% and just for that - I love this card! I like being able to see what my credit score is (in real-time) , the auto rental insurance, and the roadside assistance. There's no way to go wrong with this one.
Apr 27, 2015
By:
My favorite card is the Barclay Arrival Plus credit card. This card offers a great bonus and also offers double points on every purchase no matter the category. The best part is that you can use your points on ANY travel related purchase as a statement credit. That's any airline, any hotel, ect... I highly recommend this card for anyone that travels.
Apr 27, 2015
By:
My favorite credit card has to be the Visa Rewards card from USAA, it has a great APR and awesome for earning points to get money back.
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