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Credit Cards

4.9 4.9 - 99 reviews for top rated card

Compare credit card applications from different credit card companies (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 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.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until February 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a low intro APR on purchases until February 2016; 11.9%-19.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
    • $0 Fraud Liability if your card is lost or stolen.
    • 24-hour travel & emergency assistance gives you a replacement card and cash advance.
    • Auto rental insurance -- use your card to rent a car and you're covered for collision, damage, and loss.
    • Image Card -- personalize your card with an image of your choice.

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 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

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until November 2015
    • 0% Transfers until November 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
    • Capital One® Credit Tracker — the free way to easily monitor your monthly credit score anytime, anywhere
    • Pay no annual fee or foreign transaction fees

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    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%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 3% cash back
    • 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.

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival world mastercard credit card
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% or 18.99%
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $89 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles/$1
    • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers
    • In order to take advantage of the 0% introductory APR on balance transfers you should submit your balance transfer request within 45 days of account opening.

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles / $1
    • 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.
    • Visa Signature® benefits like concierge and travel upgrades.
    • Your Visa Signature card gets you special access and preferred seating at events like the Super Bowl™ and Olympic Games™.
    • $0 Fraud Liability if your card is lost or stolen.
    • Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • 24-hour travel & emergency assistance gives you a replacement card and cash advance.
    • 24-hour roadside assistance.
    • Auto rental insurance -- use your card to rent a car and you're covered for collision, damage and loss.
    • Image Card -- personalize your card with an image of your choice.

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 5% cash back
    • 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

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    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.

    -- Questions --

    COMMUNITY DISCUSSION

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

     
    Feb 27, 2015
    By:

    --Comment from Napster Henry--

    Feb 27, 2015
    I have the Citi Double Cash Card and had to call them when my card was stolen. They had an EXCELLENT credit card theft system that calmed me way down about my concerns. I seriously went from super worried to a brand new card in about 5-10 minutes. They walked me through the system step by step, were very nice and spoke to me with complete respect. I didn't receive any consequences for the theft except a slight inconvenience, which Citi made sure was kept to a minimum. A week later I had my new card and everything was good to go.
    Feb 18, 2015
    By:

    --Comment from Nick Stojsavljevic--

    Feb 18, 2015
    I prefer a credit card with a low APR. This is because the rewards don't really entice me because I don't like to make bug purchases with a credit card and if I want to make a large purchase I just save and wait until I have enough money to purchase it.
    Feb 15, 2015
    By:

    --Comment from Donna Wilson--

    Feb 15, 2015
    I need a credit with bad credit no annual fee
    Feb 16, 2015
    Photo of Ana M.
    Feb 16, 2015
    A secured card is going to be your best bet. The fact that you have to place a refundable security deposit that also represents your credit line means issuers don't have to charge the same high fees as with unsecured cards for bad credit. It also makes approval essentially guaranteed.
    Feb 14, 2015
    By:

    --Comment from Court Belle--

    Feb 14, 2015
    I have been very happy with the customer service on my Capital One Platinum Prestige credit card. A few months ago, I noticed fraudulent activity on this card. There was around $500 in charges that were not mine on the card. I contacted Capital One and spoke to a very helpful customer service representative who told me that the matter would be taken care of speedily and efficiently. Within just a few days, the charge was resolved and removed.
    Feb 11, 2015
    By:

    --Comment from Catherine Rowntree--

    Feb 11, 2015
    I think everyone should be using a credit card, even if you're one of those rare unicorns who has enough money to pay cash or debit everywhere you go! I'm not one of those special people (though I'm trying to get there!) so I use my credit card to cover certain necessities like food and utilities until I get the money to pay for them. I have a card with a relatively low interest rate (the Chase Freedom), so it's possible for me to avoid getting consumed in the giant snowball of credit card debt.

    I also use my credit card for pretty much all of my purchases in order to maximize my cash back. Chase has some really good cash back categories for everyday life. In January I'm earning 5% back at grocery stores (!!), movie theaters, and Starbucks (which is a contributor to my crippling debt - just kidding). I love to cook and eat so I make sure to swipe my Chase Freedom every time I go grocery shopping. If you use one card primarily, like I do, it's also easy to check one website for all your expenses. This can help you get your budget under control, like I'm trying to.
    Feb 10, 2015
    By:

    --Comment from Greg Whitley--

    Feb 10, 2015
    I don't have have enough credit established what would be the best way to go about obtaining a credit card to boost my credit score
    Feb 11, 2015
    Photo of Card H.
    Feb 11, 2015
    Without a doubt, apply for a secured credit card. Secured cards are the closest thing you can get to guaranteed approval and they’re fairly cheap, as issuers are protected by the security deposit you have to place, which doubles as your credit line. The best part about the deposit (aside from the fact that it’s refundable) is that you can increase your available credit and thereby expedite credit building just by adding to your deposit over time.
    Feb 1, 2015
    By:

    --Comment from Jeneen Womack--

    Feb 1, 2015
    My credit is only 551 and I want it to get better. Can I get a card and what kind?
    Feb 2, 2015
    Photo of Card H.
    Feb 2, 2015
    A FICO score below 620 corresponds to a bad score. In this case, you can try to apply for a secured card. Just to have an idea you can take a look here: http://www.cardhub.com/best-credit-cards-for-bad-credit/.

    Nevertheless, when applying for a card, there are others factors (besides credit score) that play a role like income, outstanding debts and job status, so all of these will need to be considered when applying.
    Jan 30, 2015
    By:

    --Comment from Jeff Draper--

    Jan 30, 2015
    I need a credit card to get a better credit rating
    Feb 2, 2015
    Photo of Card H.
    Feb 2, 2015
    You should take into account your credit score and choose a credit card that best suits your needs. You can also go to the following page for more information on improving your credit score: http://www.cardhub.com/edu/improve-credit-score/
    Jan 7, 2015
    By:

    --Comment from Anthony Rivas--

    Jan 7, 2015
    Is there a credit card i can apply and be approved for despite my bad score get back to me 760676710
    Jan 26, 2015
    Photo of Odysseas P.
    Jan 26, 2015
    Apply for a secured card.
    Jan 3, 2015
    By:

    --Comment from Jonathan Roberts--

    Jan 3, 2015
    what is the best credit card to get for bad credit but trying to start a business
    Feb 2, 2015
    Photo of Card H.
    Feb 2, 2015
    The best business credit cards for bad credit are the secured ones. The security deposit that you'll place when applying for a card acts as a credit limit and in time you will be able to extend it so that it matches your business spending needs.

    You can also take a look here before making a decision: http://www.cardhub.com/credit-cards/bad-credit-business/
    Dec 30, 2014
    By:

    --Comment from Elizabeth Switzer--

    Dec 30, 2014
    When it comes to credit cards, I would prefer less risk and more reward. I've received several offers for a credit card that provides airline miles, but has a $100 annual fee. I will think about applying for a high-interest credit card that offers some kind of reward (no-interest financing for several months, or points of some kind), but an annual fee means that I'm spending money even when I don't use the card. In my current financial situation, I'm trying to save wherever I can, and that means earning points might make sense, but annual fees don't.

    I'm pretty fond of my Chase Slate card, which doesn't offer rewards of any kind. The card has a low interest rate, which makes it appealing for larger purchases even if it has no other benefits. For smaller purchases, I'm pretty happy with my Banana Republic Visa, which earns me points toward purchases at the Gap brands. The interest rate is high, but I'm still not spending the amount I would spend on an annual fee for another card.
    Feb 3, 2015
    Photo of John K.
    Feb 3, 2015
    If you’re looking to save money, then by all means focus on cards that do not charge an annual fee. Just understand that an annual fee is often the price you have to pay for the best rewards, which can end up easily paying for the fee if you use your card a lot. And while the Banana Republic Credit Card is a decent option for Gap-brand purchases, it might be a good idea to get an all-purpose cash back card (e.g. the Citi Double Cash) for non-Gap everyday purchases.

    You should also transfer any debt you have on your Banana Republic Card to the Slate Card, assuming you’re still in the 15-month 0% intro period. Then, make sure never to carry a balance on an everyday credit card again. Their interest rates aren’t designed for it and it’s an obvious sign of overspending.
    Dec 20, 2014
    By:

    --Comment from Isis Shaw--

    Dec 20, 2014
    I prefer something that has no annual fee but also has no rewards. I don’t like paying fees. My Macy’s AMEX is just like this and I’m ok with it.
    Feb 4, 2015
    Photo of Card H.
    Feb 4, 2015
    We definitely hear where you’re coming from, but you also have to consider what you might be giving up by swearing off annual fees entirely. Most of the best rewards cards charge annual fees, so by insisting on a card that does not charge one, you’re effectively paying a price via lost value. Just something to think about!
    Dec 18, 2014
    By:

    --Comment from Carol Kmiks--

    Dec 18, 2014
    I use my Bank of America Visa Signature card for pretty much anything and everything. But especially so when I am concerned about my personal information getting in the hands of someone I wouldn't trust. For example when I go to get gas, I always use my credit card. I've read horror stories about credit card information getting stolen and how credit cards are the best way to prevent that. Plus my card has some great identity protection that I can rely on if that was to happen. Another great place I've used my card multiple times has been when I schedule a hotel stay via the internet. They usually put a hold before I finalize my stay and if I was to use my debit card, that would put a chunk of my actual money in limbo which is not good. Having this temporary hold on my credit card isn't a nuisance because it's not really charging me and it will go away without me even realizing it. But other than that, I use it for my general purchases without having to worry about my money and getting some benefits out of it. I love that I can shop for everyday things I need and getting something out of it. I receive points which I can redeem and I usually do this about every two months. I request cash so it feels like I am being paid to use my credit card. It's a great feeling to be able more
    Dec 17, 2014
    By:

    --Comment from Melissa Davis--

    Dec 17, 2014
    I do not have the best credit, and really like the various options on cardhub.com that allow a person to realistically search for a card to fit their needs. Within minutes, I could place all of my specifications and have options for a credit card returned for me to view. The side-by-side comparisons answered all my questions concerning the 2 cards that were best for me. I would recommend this for anyone starting a credit card search.
    Feb 4, 2015
    Photo of Card H.
    Feb 4, 2015
    Thank you so much for the kind words! We love to help consumers find the right credit cards for their needs, and we’re glad you found our tools useful. Hopefully, you opened a great card and are well on your way to excellent credit!
    Dec 1, 2014
    By:

    --Comment from Emily Jones Frandsen--

    Dec 1, 2014
    I would rather have a card with no annual fee. I have a Capital One card currently that has no annual fee, and offers rewards, so it's the best of both worlds, but if I had to choose one or the other, I would choose one without the fee.
    Feb 4, 2015
    Photo of John K.
    Feb 4, 2015
    People clearly have their own preferences, but I’d urge you to take a look at the differences between rewards credit cards that do and do not charge annual fees. Those that charge also offer far superior terms. Whether or not the added rewards are worth paying up depends on your spending habits. So, in short, it pays not to be closed minded about credit cards.

    But, with that being said, a no annual fee credit card is definitely the way to go if you have below-average credit and cost-effective credit building is therefore your top priority.
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