Best Credit Card Rates

Up-to-date as of: Jun 19, 2013

best credit card rates While there are various types of rates associated with credit card offers, this page focuses on the best credit card rates for purchases, which is a completely different set of cards than the best balance transfer credit cards. It has become common for credit card companies to offer 0% introductory APR periods, which can be very helpful in lowering your interest costs. However, these offers differ based on intro period length as well as the regular interest rate. Compare the options listed below in order to find the best credit card rate for you. Read more about our Editor's Picks for the Best Credit Card Rates.

Excellent Credit Best Credit Card Rates for Excellent Credit
Citi® Diamond Preferred® Card

Credit Card of Citi Preferred Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Regular APR: 11.99% - 21.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Diamond Preferred Card offers the longest 0% introductory term on the credit card market, at 18 months. While the 0% rate applies to balancemore
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Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Purchase Intro APR: 0% until September 2014
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

chase freedom credit card Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 13.99% - 22.99% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
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Discover it® - 0% for 14 months on both Purchases & Transfers

discover it Apply Now

  • Purchase Intro APR: 0% for 14 months
  • Regular APR: 10.99% - 22.99% (V)
  • Annual Fee: $0
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1%
    • Max Earn: 5%
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Good Credit Best Credit Card Rates for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Purchase Intro APR: 0% until September 2014
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
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Capital One® VentureOneSM Rewards Credit Card

capital one ventureone rewards credit card Apply Now

  • Purchase Intro APR: 0% until June 2014
  • Regular APR: 11.9% - 19.9% (V)
  • Annual Fee: None
  • Rewards: Miles
    • Initial Bonus: 10,000 miles
    • Base Earn: 1.25 miles / $1
    • Max Earn: 1.25 miles / $1
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Fair Credit Best Credit Card Rates for Fair Credit
Capital One® Classic Platinum Credit Card

capital one classic platinum mastercard Apply Now

  • Purchase Intro APR: 0% until March 2014
  • Regular APR: 19.8% (V)
  • Annual Fee: $39
  • Rewards: None
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Limited History Best Credit Card Rates for Limited History
College Students
Discover it® for Students

discover it for students Apply Now

  • Purchase Intro APR: 0% for 6 months
  • Regular APR: 12.99% - 18.99% (V)
  • Annual Fee: $0
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1%
    • Max Earn: 5%
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BankAmericard® for Students

bank of america student platinum plus visa credit card Apply Now

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

capital one classic platinum mastercard Apply Now

  • Purchase Intro APR: 0% until March 2014
  • Regular APR: 19.8% (V)
  • Annual Fee: $39
  • Rewards: None
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Bad Credit Best Credit Card Rates for Bad Credit
Secured Card

Unfortunately, there are no 0% APR credit cards for people with bad credit. Below is the best secured credit card for people with bad credit.

Capital One® Secured Mastercard®

capital one secured credit card Apply Now

  • Min Deposit: $49 - $200
  • Annual Fee: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-securemore
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Unsecured Card

Unfortunately, there are no 0% APR credit cards for people with bad credit. Below is the best unsecured credit card for people with bad credit.

VISA® Platinum from Credit One Bank®

credit one credit card Apply Now

  • Annual Fee: $75 1st yr, $99 after
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 23.9% (V)
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