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Compare credit card applications from different credit card companies and quickly find the one that best fits your needs. Start by using the filters on the left to narrow down your credit card search. To apply for a credit card, simply click the "Apply Now" button and we will connect you directly to the credit card company's secure online application.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until April 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4.5

    Chase Sapphire Preferred® Card

    chase sapphire preferred credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Points
    BONUS 40,000
    BASE EARN 1 point / $1
    MAX EARN 3 points / $1
    • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards℠.
    • Earn 5,000 additional bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
    • 1:1 point transfer to participating frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS until January 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • 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.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4.5

    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • Earn unlimited 2X miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening.
    • Earn a $25 Bonus after you add your 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 April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores.
    • 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.
    • No annual fee and rewards never expire.

     
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    4

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS until July 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3

    Capital One® QuicksilverOneSM Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • 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.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of 49, 99, or 200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
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    3

    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.9% - 23.9% (V)
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.


    Ask our Experts
    EXPERT’S ANSWERS

    Why do I need a credit card?

    By: Odysseas Papadimitriou First of all, everyone should get a credit card because it's 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.

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

    By: John Kiernan Your 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.

    What type of credit card do I need?

    By: John Kiernan 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 consult a bankruptcy attorney or explore debt management programs in order to figure out what your next step should be.

    Quick Tips

    By: John Kiernan
    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 While 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 In 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 The 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 If 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

    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.)

     
    April 13, 2014
    Photo of Jay M.
    By: Jay Melo
    I kept getting an error message when I tried to shop online with the points from my Chase card. I called Chase Customer Service. The rep figured out the problem right away and she walked me through what to do. The problem was fixed in less than 5 minutes and I was able to make my online purchase. Thanks Chase!
    April 8, 2014
    Photo of Annie N.
    By: Annie November
    Honestly, I prefer cards that don't come with a fee. Even though the rewards are nice, what happens if you don't want to use your card for a while?? You don't get any rewards and you're paying a fee for a card you aren't even really using. Also, you have to use your card a fair amount to get any real rewards. I'd rather just use our cards and not worry about any extra fees.
    April 4, 2014
    Photo of Dolores B.
    By: Dolores Bucchi
    I also own several credit cards. I prefer a lower finance rate instead of a cash back card. Barclays Juniper card has a reasonable rate.
    April 1, 2014
    Photo of Scott D.
    By: Scott Daly
    While it is great having a low APR on a card, my preferred type of card is a cash back or rewards card. I am especially fond of my Amazon Rewards card that effectively gives me 1-3% cash back on every purchase, depending on where I use the card. While these sorts of rewards are often items at limited retailers, such as Amazon in the case of my card, if you are a frequent shopper you can save some excellent money through a cash back or rewards card. The quality of the card really comes down to the user though. If you don’t use a card enough to justify rewards or cash back, low APR may be better for you. If you don’t carry a large balance, the low APR could be completely useless for you. It is generally a good idea to have a mix of cards for different uses. I have a card for rewards and one that carries a low APR that I can carry larger balances on as needed.
    April 1, 2014
    Photo of Bobby T.
    By: Bobby Tarumi
    My next credit card will either be the Quicksilver Cash Rewards card or the VentureOne card. They're both very tempting to apply for as they both have many, many benefits. But I can only choose one. I'll begin with the Quicksilver Cash Rewards card and its benefits. It offers unlimited 1.5% cash back on every $1 spent. Even with that great deal, there’s no annual fee! The true benefit of this card is the fact that cash back is redeemed for, well, cash. Not points. Not miles. Cash. There's just so much flexibility with cash! And as an added benefit, the card features a low APR of 12.9% to 22.9% (varies with market). Finally, there’s a 0% intro period for 9 months. Now onto the VentureOne. I've had my eye on the VentureOne ever since it came out. The card gives 1.25 miles for every $1 spent, and it too has no annual fee! The card also features a low APR ranging from 11.99% to 19.99% (varies with market). I personally don't do much travelling. I do stay-cations during time off from work. But if a whole 2-way plane trip is paid for by VentureOne miles then I’ve got no problem packing my bags! The card even features travel benefits such as car rental insurance and $0 fraud liability if the card is lost or stolen. Comparing the two can be difficult. For a traveler, the VentureOne is an easy choice. It offers way more benefits like rental insurance and $0 fraud liability, things the Quicksilver doesn't offer. And overall, the VentureOne has a better range of low APR rates compared to the Quicksilver, 11.9% to 19.9% compared to 12.9% to 22.9% respectively. The VentureOne also outdoes the Quicksilver in the 0% APR period, 12 months compared to 9 months respectively. As for the non-traveler, the Quicksilver is the way to go. The sole advantages over the VentureOne is just, well, cash. You can't spend VentureOne miles to buy your groceries, but you can definitely spend your cash back rewards from the Quicksilver on those groceries, on your gas, on just about anything! It's cash! In addition, the one-time bonus for getting the Quicksilver heavily outweighs that of the VentureOne. With the Quicksilver, I would just have to spend $500 within the first three months to get a $100 bonus. With the VentureOne, I’d have to spend a whopping $2,000 within the same period of time just to get 20,000 miles. Just 20,000 miles? It sounds like a lot. But it just means I get $200 worth of flying for free. The math simply favors the Quicksilver for that point. But, in the end, I have to personally choose the VentureOne. Again, I'm not a traveler, but I just can't shy away from the fact that the VentureOne offers so much! I guess it’s the prestige of gaining so many miles that really gets me hooked on this card. The Quicksilver is great, and still a very good card. But I'm not after a credit card to earn cash back rewards. For me, cash comes with working. And that cash goes towards boring stuff like surviving. To me, “rewards” are meant to be fun, like mile rewards. I can’t spend that on boring stuff. So, I just gotta go with the VentureOne for its awesome miles.
    March 24, 2014
    Photo of Katie H.
    By: Katie Hales Smith
    I have recently been looking into getting a new credit card. I have well established credit but I wanted to open a new account primarily to earn rewards. I've been looking for a card with great incentives. The interest rate isn't of much concern as I plan to pay the balance without it accumulating interest. I like this search tool as it lets you easily filter the aspects that are important to you. The features of each card are neatly displayed and the search results are easy to navigate.
    March 24, 2014
    Photo of Scott D.
    By: Scott Daly
    I own several credit cards, as they are the best tool to establish credit, but my favorite is absolutely my Chase Rewards card from Amazon.com. The terms of the card are in line with the rest of the cards I own, but the benefits are unmatched. Depending on the location you use the card, you can earn 1-3% cash back as rewards on Amazon.com. I am a Prime member so I order stuff from Amazon frequently. Using my card on their website gives me the most money back and can be applied to future purchases. It is an extremely useful card if you shop on Amazon even occasionally.
    March 22, 2014
    Photo of Casi D.
    By: Casi Danielle
    First of all, everyone should get a credit card because it's the easiest way to add positive information to your major credit reports on an ongoing basis and thereby build and maintain your credit history.What's missing from my credit card is lower finance charges, cash back or some other form of a reward. My credit card is Capital one.
    March 20, 2014
    Photo of Jay M.
    By: Jay Melo
    A reward card with an annual fee may be worth it if you are a big spender or use the card for work. I don't charge much so a card with no fee is better for me even if I don't get rewards. But it's not hard to get a card with no fee and rewards. I have the Chase Freedom card which has no fee and rewards too which is great.
    March 12, 2014
    Photo of Dolores B.
    By: Dolores Bucchi
    What's missing from my credit card is lower finance charges, cash back or some other form of a reward. My credit card is Capital one.
    March 20, 2014
    Photo of Patricia Van Landingham
    Patricia Van Landingham
    I can’t speak for your particular situation, but Capital One is known for targeting high-risk consumers, such as people who have recently filed bankruptcy and people with poor credit in general. As such, the company has no need to give incentives to its customers. Being willing to give them a credit card when no one else will is usually considered to be good enough.
    March 10, 2014
    Photo of Sam S.
    By: Sam Simmons
    I chose a card (Wells Fargo College Card) that has no annual fees but offers a percentage back in cash on every purchase. The reason I chose this over other cards with higher cash-back offers is because I am just starting to build my credit -- I only spend about 90 dollars a month on this card, and there is no need for me to spend upwards of 50 dollars on fees per year. Perhaps in the future this will change, when I start spending more money per month, it will become valuable for me to pay that fee in exchange for the higher percentage back.
    March 6, 2014
    Photo of Jackie F.
    By: Jackie Farace
    I've had the Discover More card since 2006 and it's one of the best credit cards I've used. The few times that I have had to work with customer service, they have been very helpful. After I got married I called to change my last name. The rep who took my first call misspelled my name and so I had to call back. The second rep was so helpful! He changed my name and got my card out to me quickly. Another time I called to add my husband as an authorized user and the rep let me know about a $50 Cashback Bonus promotion that was going on. So I called to add a user and ended up earning $50 after I completed the promotion. Awesome!
    March 5, 2014
    Photo of Marc L.
    By: Marc Lin
    I use several cards for a variety of purposes: For example my Discover IT card is used for Discovers Quarterly Bonus rebates. This changes every 3 months so I need to remember to keep up with it to max out the 5% rebate bonus. I pay for everything with a credit card of some sort. The rebates pay for other things by way of the merchant gift cards Discover offers, in exchange for the rebate earned. They even kick in an additional $5 on the merchant gift card! I like getting rebates and so use various credit cards that offer them. No cash and carry for me anymore! Rebates offer me more value.
    March 3, 2014
    Photo of Suzanne C.
    By: Suzanne Cunningham
    For myself personally, I have fought with the option of having either an annual fee or rewards. Since I never carry cash and use my cards all the time for anything, I usually opt for the rewards cards unless the rewards are just gas. Also, it depends on how much the annual fee is; if I think I can feasibly earn at least as much as the fee for the card is in a year then I will choose the rewards card every time.
    February 25, 2014
    Photo of Erika S.
    By: Erika Shira
    I think cards with rewards can be risky, unless the user is very disciplined. It can be too tempting to make unnecessary purchases in order to accrue rewards, which I assume is what the card issuer is counting on. I would personally prefer a card with no annual fee and a lower interest rate versus one that has rewards. Particularly when the reward is cash back, what it really is is a higher interest rate disguised as giving you some money back, so that you end up paying the same interest as everyone else in the end.
    April 16, 2014
    Photo of Rebecca Gretzinger
    Rebecca Gretzinger
    I think that most people use common sense when it comes to owning a rewards card. Since the rewards are designed to be small and add up over time, I don't think that most people use the credit card specifically to get the rewards. If I were to make a large purchase, like a TV, for example, I might use my rewards card to get the reward and then I would pay off the balance immediately. I wouldn't buy something that I wasn't usually intending to buy and not be able to afford to pay it off in a timely manner just to get 3% cash back.
    February 22, 2014
    Photo of Marcia S.
    By: Marcia SilveRose
    Over the years I have discovered that my Chase credit card is best used as a safety convenience. Carrying cash is so dangerous these days, so I prefer the safety of the credit card and use it for most everything on a daily basis. You could say I use it as cash but at the same time, it gives me a record of my expenditures.
    February 15, 2014
    Photo of Charles M.
    By: Charles McCoy
    In order to satisfy a student's needs a credit card must have a rewards program which is consistent with the student's lifestyle. This means that a card company should offer discounts on tuition fees or books purchased with this specific card. There must also be an easy to use interface for students to check their finances and keep up with payments in order to not fall behind. Systems such as these would result in the students learning fiscal responsibility as well as starting to build up their credit history early on, allowing them to grow into financially responsible adults who are ready for the real world.
    February 13, 2014
    Photo of Andrew K.
    By: Andrew Kunkle
    I've had nothing but great experiences with my Discover It card and their customer service. I was recently traveling across country, and thus was making purchases at various locations all over the country. My Discover rep called and made sure that my card hadn't been stolen or anything. She was really nice and helpful with everything, and I appreciate that they have protections like that just in case something were to happen.
    February 12, 2014
    Photo of Neil P.
    By: Neil Popat
    I would like my credit card to have the option of going paperless as I do not see the point of receiving both paper statements and electronic statements, which is currently the situation for me. I would also like my credit card to give me the option of raising my credit limit to $6,000 after two years of on-time full payments. I feel my credit card provider doesn't value my concerns nor my needs, despite the fact that they heavily promote themselves. However, I will say I do find its cash rewards program to be generous compared to the rewards programs of other credit cards. I even get an annual bonus each year.
    February 16, 2014
    Photo of Annie November
    Annie November
    I totally agree about going paperless. It's such a waste. Between online banking and the app on my phone, there's no need to be sending paper statements every month. There's nothing on them that I don't already know and can find out sooner. If anything unusual goes on in our accounts, we find out a lot sooner by going online than waiting a month for the next statement.
    February 10, 2014
    Photo of Zeb D.
    By: Zeb Dawkins
    The Capital One Platinum Prestige Credit Card is my go to credit card. I use this card for everyday purchases and pay it off each month. This is more of a no frills credit card, but it offers no annual fees as well as a low annual percentage rate. The introductory rate of zero percent lasted for a little over a year which is fantastic. I would recommend this card to anyone looking for a new credit card.
    February 7, 2014
    Photo of Jenny T.
    By: Jenny Tope
    For me the choice about which card to choose is easy. I almost always gravitate towards the low APR credit cards. I am not one to pay off my accounts every month. I use my credit to help me manage my monthly expenses. Therefore to me, in the long run, the APR is going to benefit my bottom line.
    February 2, 2014
    Photo of Greg K.
    By: Greg Kempisty
    With 0% APR for the first 15 months and no transfer fee or annual fee, the Slate from Chase is the king of balance transfer cards. If you have the excellent credit needed for approval, look past the Discover it, Platinum Prestige and Diamond Preferred cards and go with the one that keeps more cash in your pocket.
    January 31, 2014
    Photo of Anita G.
    By: Anita Garcia
    I had a problem with limiting how much I would spend on my card. I would always figure that I could just spend now and pay later. This led to too many charges on my card. Therefore I have tried limiting my spending to the categories that are going to give me extra cash back for that period. I use my Chase Freedom card for things like gas and groceries whenever the categories are at 3%. I try to pay off most of my purchases right away and it has been working for me. I feel that if I don't use the card for these categories that I am pretty much throwing away money.
    January 31, 2014
    Photo of Roy C.
    By: Roy Chen
    I have had only good experiences with my mileage card. This one time I had to call my card company to contest a fraudulent charge. It was clearly fraud since the charges originated in Beijing, China. Rather than put me through a cumbersome process to reverse the charge, the account representative immediately rescinded the charge from my account and began the process of issuing me new cards. I did not have to pay for the replacement or have to fill out paperwork (like I have had to do previously) to contest the charge. It was a simple and painless experience and one that I really appreciate.
    January 30, 2014
    Photo of Roy C.
    By: Roy Chen
    I always pay off the credit card balance in full. Rewards like miles or cash back are great incentives for using the card, but the percent back is easily consumed by annual interest on balances carried forward. Personally, I use a miles card and a cash rewards card for specific purchases (gas/groceries on cash back, travel/everything else on miles) to maximize my rewards and incentives. It is a great way to get something for your everyday purchases and manage your cash flow instead of paying everything with cash or debit (which will deplete your savings accounts and put you at risk of overdraft). If you are diligent with paying off balances, you can get rewards, not pay interest, not pay fees, and prevent overdrafts and other fees associated with low account balances.
    January 29, 2014
    Photo of Jodie S.
    By: Jodie Salerno
    If you have bad credit and are ready to take the steps to regain positive credit the Capital One Secured Credit Card is a perfect way to start. This card reports to all three credit bureaus to maintain achievement in restoring credit. It also allows a credit of 200 dollars after a deposit is made from the owner of the account. This deposit is also refundable. So if you want to rebuild your credit and build for the future this is the right card for you.
    January 29, 2014
    Photo of Val M.
    By: Val Marie
    The deciding factor for choosing my credit card was the cashback reward benefit in conjunction with a substantially lower interest rate than competing credit cards. My card is missing a smartchip and a more snazzy design perhaps, as it is strictly a basic, no frills, no fee card, but I don't need the heightened aesthetics. I'd rather have the simplicity with better benefit options (i.e. lower interest rate, cashback rewards, no annual fee), than a fancier looking card with fewer incentives.
    January 28, 2014
    Photo of Todd P.
    By: Todd Poole
    I was having troubles setting up my new Capital One Quicksilver card so I called customer service. For some reason I still could not get this to activate for me very fast. Their customer service rep went above and beyond for me in making sure that I didn't get too frustrated and also making sure that it would be fixed and set up before the end of the call. I have had troubles with companies playing the transfer the call game before but was very happy with this experience.
    January 27, 2014
    Photo of Brandon H.
    By: Brandon Hellman
    I like the Chase Freedom card. It has a really good cash back reward and that comes in handy.
    January 19, 2014
    Photo of Thomas S.
    By: Thomas Santell
    I use the Blue Cash Everyday Card from American Express at least a few times a week. I had an excellent experience with my credit card’s customer service when a few issues occurred over the couple years I have had the card. There were a few times when I did have to call in for some mistakes/charges on my bill and they were also very kind and helpful with it. It was always fast and smooth. I was treated well and my problem was always taken care of. I am very satisfied with their support service.
    January 19, 2014
    Photo of Lucy M.
    By: Lucy Morgan
    I use my UMass Five College FCU credit card more than all of the other cards in my wallet. Although it does not have a rewards program, it has the lowest APR of all of my cards. I often use my UMass Visa to pay for everyday expenses like groceries and also for large purchases like vacations. It is easier to pay down than other cards, but this is probably why my balance is so high -- I use the card all the time!
    January 17, 2014
    Photo of Scott M.
    By: Scott Moore
    I had a frustrating experience with the Bluebird Prepaid card by American Express. One of the features of the card is that you can deposit a check via smartphone by taking a picture of the check. It took the picture, but it was not accepted. When I called customer service I was told that they didn't know why it wasn't accepted, and that it was controlled by an outside company. It was frustrating that I couldn't get an answer from customer service. It also took about 20 minutes for them to understand fully what the issue even was. Bluebird customer service is not run by Amex. (at least when I called) and is handled by an outside company.
    January 17, 2014
    Photo of Drew G.
    By: Drew Gonzalez
    The best way to use your credit card is to apply it to everything you do. I have used it even when buying just a soda from the store. it all adds up extremely quickly. The more you use your credit card on everyday purchases the more rewards you get and the better your credit will be. Work up with a bad card and get up to better and better cards.
    January 15, 2014
    Photo of Andy I.
    By: Andy Ing
    I use the Blue Cash Everyday Card from American Express and I mainly use it for buying things online because most places that I go online (like Amazon) will take American Express. I only buy things I know that I can pay off within a reasonable time, since I know that it will help me get started with my credit rating. I try not to overspend and I basically set an amount that I can spend in a month and buy what I want to within that amount. I think it is useful in everyday life because it can be used in a pinch if you don't have any cash to spare at the time. You can also pay it off slowly and not all at once in case you have to purchase something really expensive and you don't necessarily have all the funds at hand at that moment.
    January 15, 2014
    Photo of Brandon H.
    By: Brandon Hellman
    The thing that is missing from my credit card is a good reward for always paying off my balances when they are due. A lot of cards have something for when you purchase something, but they should give cash back or a lower interest rate for paying you bills on time.
    January 10, 2014
    Photo of Josh D.
    By: Josh Doros
    I always prefer cash back to all other rewards. I used to have a miles credit card, and would put everything on it. However, when I went to cash in my miles for a flight and hotel, the airline blacked out almost every date, and made the trip worth twice the amount of miles, essentially halving all the rewards that I had earned. Cash back will always be the same, and money in the pocket can never go down.
    January 10, 2014
    Photo of Derek H.
    By: Derek Hicks
    I prefer cash back type of credit cards over other cards for a number of reasons. First, I'm not interested in low APR, because I always pay off my balance at the end of the month. Secondly, I never fly, so miles reward cards do not interest me, either. Since I always pay off my balance, cash back cards are ideal for me. I am paying nothing in interest, and I'm still getting a little back every month. It is almost like getting something for nothing!
    January 9, 2014
    Photo of Scott M.
    By: Scott Moore
    I had a very frustrating service trying to deal with my Rooms to go Credit Card issued by GeCapital. The date of my payment changed one month, and despite the fact that I had made 23 consecutive payments on the card on the exact same day, GeCapital still charged a $35.00 late fee. It was frustrating talking to the representative on the phone, they told me to pay the fee, make the payment or get sent to collections. It really isn't fair when you have no choice but to comply or suffer great consequences.
    January 9, 2014
    Photo of Hollie B.
    By: Hollie Baker
    Lately I have been struggling a bit financially. I am so grateful that I have credit to fall back on during these times. I use my Fred Meyers Credit card for everyday grocery purchases. I feel like it helps me get caught up with a small interest fee. I actually like the rewards I get 2x the gas rewards and cash back coupons. I really appreciate a store credit card that is honest and benefits me. Apr is not too bad for a reward card at all. The rewards can be used at all Kroger stores which is great when traveling as well.
    January 9, 2014
    Photo of Reggie S.
    By: Reggie Strange
    The last time that I traveled to Washington DC I ran into some unfortunate circumstances. Halfway into the 5 hour road trip we had a surprise tire blowout, and my friend who was driving didn't have a spare. We were stranded in the middle of nowhere along a highway with cars zooming past at 80 miles per hour. Luckily, I had my capital one discover card with me when a stranger happened to stop and help us. We drove to the nearest town, and I was able to get a new tire for my friend with my card. It's always nice to have a safety and security net, just in case things go wrong. Further, the Journey card offers low rates and an easy opportunity for people who are new to the world of credit to make their mark.