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Credit Cards

Compare credit cards from all of the major issuers (some of which are CardHub advertising partners) and quickly find the one that best fits your needs. Start by using the filters on the left to narrow down your search. To apply for a credit card, simply click the "Apply Now" button and we will connect you directly to the respective issuer’s secure online credit card application.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until April 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until April 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Auto rental insurance -- use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 21 months
    • 0% Transfers 21 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER.
    • No penalty rate - EVER.
    • No annual fee - EVER.
    • Save time when you call with fast, personal help, 24 hours a day.
    • See All Reviews & Details About The Citi Simplicity® Card

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 2% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee
    • See All Reviews & Details About The Citi® Double Cash Card

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until January 2016
    • 0% Transfers until January 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until January 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker — the free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days.
    • 0% Introductory APR for 15 months on purchases and balance transfers.
    • $0 Annual Fee
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • See All Reviews & Details About The Chase Slate®

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until July 2016
    • 0% Transfers until July 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Get 0% intro APR on all purchases until July 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until July 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone, or using our mobile app
    • Pick the monthly due date that works best for you
    • 100% free Capital One® Credit Tracker — see your monthly credit score anytime and get automatic alerts
    • See All Reviews & Details About The Capital One® Platinum Prestige Credit Card

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees.
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker — see your monthly credit score anytime and get automatic alerts
    • Exclusive award-winning customer service
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature Concierge.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add you first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See All Reviews & Details About The Chase Freedom®

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until January 2016
    • 0% Transfers until January 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time—cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
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    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Ask our Experts

    Expert’s Answers

    Do I need a credit card and if yes what type?

    By: Odysseas Papadimitriou, CardHub CEOWe believe that most people should have a credit card as it is the easiest way to add positive information to your major credit reports on an ongoing basis and thereby build and maintain your credit history. Whether or not you use it depends on whether it will cause you to spend more than you would otherwise. If it does not, credit cards offer a number of advantages in that they allow you to earn rewards, pay for big-ticket purchases over time, lower the cost of existing debt through balance transfers, save on foreign currency conversion, shop online, rent cars, and easily track and manage small business spending, among many other things. Credit cards are not one size fits all. Not only does your credit standing dictate what offers you’ll be able to get approved for, but different people require different terms and features from their credit cards, depending on income as well as spending and payment habits. Below you will find some general guidelines that will help steer you toward the best credit card for your particular needs.
    1. If you have trouble garnering credit card approval or have bad credit history, your best bet is a secured credit card.
    2. If you are a student, you should obviously get a student credit card.
    3. If you anticipate needing some extra time to pay off an upcoming big-ticket purchase, focus only on finding the best possible 0% APR credit card and ignore rewards.
    4. If you are currently indebted, a balance transfer credit card will enable you to pay down your balance faster
    5. If you pay your bill in full every month, focus your credit card comparison on maximizing the free money you bring in by identifying the best rewards credit card and ignore APRs
    6. If you're a small business owner, use a personal credit card for company purchases that you will not be able to pay for in full so that you can benefit from CARD Act protections. Use a business rewards credit card for everyday company expenses in order to get the enhanced expense tracking and centralized rewards earning features unique to business-branded cards. After all, small business owners are held equally liable no matter what type of card they use, according to a Card Hub study.
    With all of that being said, if you're already in financial trouble (e.g. late on payments, in collections, etc.), getting access to credit – while one of the easiest ways to overcome financial difficulties in the short term – will be almost impossible. No one will be able to extend you a line of credit other than friends and family because of concerns that doing so now will only get you into deeper trouble in the long term, which will make it harder for them to get their money back. Depending on the exact nature of your situation, you might need to explore debt solutions options in order to figure out what your next step should be.

    Why is my credit standing important to my credit card search?

    By: John Kiernan, Personal Finance EditorYour credit standing indicates your fiscal responsibility and trustworthiness to credit card companies and underwriters. It thereby dictates which loan and credit card offers you can qualify for as well as the interest rates you’ll have to pay. Not only is it a waste of time to apply for a credit card that requires better credit standing than what you currently have, but racking up denials on your credit card applications can lead to credit score damage. Keep in mind that the importance of your credit score extends beyond interest rates and card eligibility to things like car insurance premiums, the security deposit you’ll have to place in renting an apartment, and even your ability to get certain types of jobs.

    Quick Tips

    By: John Kiernan, Personal Finance Editor
    1. Always compare credit cards before applying; there’s no way of telling whether you’re getting the best deal otherwise, and marketing can be deceiving
    2. You should only consider applying for a credit card if it matches your credit standing.
    3. You should not submit more than a couple credit card applications within a short period of time, as this can lead to a roughly six-month dip in your credit score.

    What’s the best way to apply for a credit card?

    By: Odysseas Papadimitriou, CardHub CEOWhile we’re all used to being able to apply for major credit cards through the mail, the fact that online credit card applications are becoming more and more common might lead you to wonder about the best application method. The truth is that the way in which you apply is merely a matter of personal preference, but making an educated decision about the card you wish to get should not be.

    You can’t evaluate credit card offers in a vacuum; you need to view each in light of what the rest of the market has to offer. Sure, you can lay a bunch of credit card applications side by side on your kitchen table and do your due diligence that way, but at Card Hub, comparing hundreds of credit cards is as simple as a few clicks of your mouse.

    Once you identify the card for which you’d like to apply, you may have up to four choices for how you’d like to submit your application, depending on the bank: 1) via mail; 2) over the phone; 3) online; or 4) at an actual bank branch. For those of you concerned about sharing personal financial information over the Internet, every online credit card application is encrypted using SSL technology, and you can read more about our data protection practices here.

    What’s the best credit card company, and what's the best card network?

    By: Odysseas Papadimitriou, CardHub CEOIn practical terms, your card's network really only matters if you plan on traveling overseas given that Visa and MasterCard are much more widely accepted abroad than Discover and American Express. Just make sure to get a no foreign transaction fee credit card on one of these networks, and you will be all set for your international travels.

    When it comes to deciding on credit card offers from different companies (e.g. a Capital One credit card vs. a Citibank credit card), we recommend that you focus on getting the best interest rates and rewards possible since the money you save by doing so will benefit you more in the long term than things like better customer service.

    I had a bad experience with my credit card a few years ago, what's different now?

    By: John Kiernan, Personal Finance EditorThe CARD Act is what's different now. The new credit card law, which went into effect in February 2010, increased transparency in the credit card industry and dramatically strengthened consumer rights. Among the highlights of the law are provisions that lower penalty fees, eliminate arbitrary interest rate increases on existing balances, require better communication between issuers and consumers, and provide for favorable allocation of payments. Whereas many credit card offers used to be characterized by bait-and-switch tactics, you can now trust that what you see during the course of your credit card comparisons is what you get and that the benefits of using a credit card will not be marred by shady practices. While the CARD Act unfortunately does not apply to business credit cards, any company that offers credit cards is not held to a higher standard.

    What if I have questions about my existing credit card account?

    By: John Kiernan, Personal Finance EditorIf you have specific questions regarding an existing credit card account (e.g. problems with your monthly statement or logistical issues), contact its respective issuer directly by calling the number on the back of your card. Credit card companies do not share any information with Card Hub that will allow us to help you with any account-specific issues.

    Nevertheless, we hope that you ask general credit card questions (e.g. questions about types of cards, strategies, terminology, etc.) and share your experiences on Card Hub. You see, our credit card finder tools help you identify the right credit card offer for your needs, but those tools become better the more consumers rate and write reviews for cards that they have used.

    Community Discussion

    Ask a question or help others find the best credit card by sharing some tips.

     
    Apr 25, 2015
    By:
    I use this card mostly abroad but I travel most of my time. No foreign transaction fee (other banks try to charge me up to 3% for a transaction outside the US!), accepted everywhere , 2% cash back in travel without expiration. Excellent
    Apr 25, 2015
    By:
    The target red card is what I have. I am pretty consistent with my payments and sometimes I even pay more than asked. Sometimes I think that they are just looking for another way to make money. It makes no sense how they always say that I am overdue even though I print out my receipts. Anyway, I call customer service, told them and showed them proof and its resolved.
    Apr 23, 2015
    By:
    The capital one venture rewards card offers great mileage benefits if you travel. I do not like the annual fee, after the first year, but its benefits are so great. I am considering the capital one platinum prestige which has no annual fee, but offers no benefits as well. This is a tough decision but I like the airline miles accruing capital one venture rewards card the most!
    Apr 21, 2015
    By:
    I primarily use my Citi Double Cash card for all my purchases. I get 2% cash back, so I get an automatic savings on everything I buy. 2% doesn't seem like much but when I get $50 off my bill every couple of months, it's a nice savings. As long as you're sure to pay off the full balance every month, using cash back cards like this one is definitely the way to go. It can save you a good chunk of money over the course of a year.
    Apr 20, 2015
    By:
    I have a Visa Rewards card, with 1.5% cash back everywhere. The rewards are easy to redeem, but I really wish the bank site that manages the credit card for payments and statements would offer the statements in an easier to use format, instead of a scanned .pdf file. It would be so much easier as a clickable spreadsheet.
    Apr 19, 2015
    By:
    I prefer cards without an annual fee versus a card that does, but has rewards. I have had an AMEX card for 9 years and have not seen enough in rewards to justify spending on an annual fee. Just recently, AMEX opened up to use points for purchasing items on Amazon, which has been great. Other than that, I'd much rather just not pay the annual fee. I plan on canceling my AMEX as soon as it is paid off. I will then get a card than has no fee even if it means skipping out on the annual rewards.
    Apr 16, 2015
    By:
    I have a Bank of America Cash Rewards Platinum Plus Visa card. I use it for most of my general everyday purchases and then pay off the balance every month. I like that I get rewards for all my purchases and I also use it to keep in line with my monthly budget, i.e. keeping the amount that I have to pay off below a certain amount so that I only spend that much per month. I like that there is no annual fee for the card. The interest rate could be a bit lower, but I usually try to avoid that by paying my balance in full.
    Apr 15, 2015
    By:
    I got a Target Red Card sometime last year. It's the one store card that I routinely use, because it takes 5% off your total purchase every time you use it, which is great. But shortly after I started using it, maybe month two or three, I received notice that my bill was overdue. This never happens: I always pay the credit card bills every month, and I have a system for doing it. That is, unpaid bills go in a certain place, and it would be strange for me to miss paying them because of the system. But I couldn't find the Target bill anywhere. Anyway, I wrote to Target customer service telling them what happened, that I wasn't sure but I think I hadn't received a paper bill that month. (I had no memory of it coming in the mail.) Without question they waived the overdue charges for me. Yet another reason to continue using the Red Card!
    Apr 12, 2015
    By:
    I need a card you can add money in they gift card
    Apr 10, 2015
    By:
    I use Higher One, which is provided by my school. It's decent, it has decent customer service, and doesn't have automatic fees for usage of credit and debit. It manages my financial aid and is useful and easier right now than a bank account. Overall, as I said, it's decent. I wouldn't call it "great" by any means as it does have problems with usage at some locations, but for the moment, it makes life easier for me so I guess I cannot complain too much about them.
    Apr 6, 2015
    By:
    The Priceline credit card seems like your run of the mill credit card that has ridiculously high interest rates. I like that they offer zero percent transfers for up to fifteen months, but after that transfers are three percent. It should be free. The interest rate can fall in between 14.99 percent and 24.99 percent. Like I said that is pretty average for a credit card. There is also no annual fee, so that makes me feel good about the credit card, I would not like to have to pay an annual fee of $100 dollars for a credit card. Thankfully there is no annual fee with this card. I wonder what the hidden fees are though?
    Apr 2, 2015
    By:
    My Chase Amazon Rewards card is great. I love to shop on Amazon.com with this card. I earn points with every purchase I make and the best part is that I earn bonus points when I shop on Amazon.com with this card. The interest rate is not bad and there is no annual fee. I can use it everywhere since it a Visa card. I use it for food and gas purchases and sometimes I use it for making major purchases like a laptop or an auto repair. I than reward myself by being able to pick up something cool on Amazon.com.
    Mar 31, 2015
    By:
    My BankAmericard Cash Rewards is good for the two bonus categories - gas and groceries, but I would like to see it feature rotating bonus categories like the Discover cards. Spending outside of gas and groceries earns 1% cash back which is somewhat lacking compared to some of the other cash back cards.
    Mar 30, 2015
    By:
    When it comes to annual fees, I don't like paying them. I hate having to pay more than I need to for anything so I feel like annual fees are a ripoff. This is the reason why I chose the Citi Double Cash card. It has $0 annual fee and it's a brand (Citi) I trust. I don't get any kind of reward bonus or anything but I am okay with that because I'm NOT PAYING an annual fee for any card ever.
    Mar 28, 2015
    By:
    credit card offer for bad credit
    Apr 1, 2015
    Photo of Ana M.
    Just click on the “Bad” filter on the top left of the page, right under the “My Credit” section.
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