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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 March 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 Excellent, Good
    • 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 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
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card

    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)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be12.99% - 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
    • 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
    • See All Reviews & Details About The Citi® Double Cash Card

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers until December 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent, Good

    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 Excellent, Good
    • 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
    • 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.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express

    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%
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles/$1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit.
    • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
    • See All Reviews & Details About The Barclaycard Arrival Plus™ World Elite MasterCard®

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige
    • 0% Purchases until June 2016
    • 0% Transfers until June 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent, Good
    • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until June 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 Excellent, Good
    • 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 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
    • 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
    • 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®.
    • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • See All Reviews & Details About The Chase Freedom®
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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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.

    Mar 31, 2015
    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
    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 27, 2015
    When you're looking for a credit card, make sure you read the fine print. Look for low or NO annual fee (sometimes can be as much as $100 dollars!), look for low APR (if you plan on carrying balances and not paying off in full monthly), and look for good customer service. The last one is often overlooked. Make sure you're dealing with a company that will work with you if there is ever fraud on your account or if you perhaps make a late payment on accident, look to make sure that they will help you and not hurt you. You don't want to deal with that headache. Cash back and rewards may SOUND nice, but these really shouldn't be your "end all be all" when it comes to getting a credit card. You want your credit card to be your friend (allowing you to build your credit, pay for purchases later, etc) and not your enemy (by shoving huge interest rates in your face).
    Mar 24, 2015
    I think the biggest thing I had was when a company hacked my account. They charged two charges, I called the card company, they promised they would put a stop to additional charges from this company, we filled out a fraud report and I waited for the funds to be credited back to my account. Sadly the next day the company pulled TWO more transactions. I was furious, I felt as though the card company had lied to me, that the relationship I had with them for years was not worth it. Thankfully after a week and numerous calls to the customer service number and supervisors the funds were back, but the credit card company requested copies of my drivers license and ss card and while they waited for these items put my card on hold, and that created huge issues for me. I had pending bills, paycheck deposits. I can say that after being patience and waiting through the companies process, my card was restored, I didn't lose money. After looking at the situation I am relieved that my card company valued my safety and funds that much that they took all of the precautions.
    Mar 23, 2015
    can i get credit card in the salary of 10,000 P/m
    Mar 25, 2015
    Photo of Card H.
    Are you referring to your monthly salary or a monthly spending limit? You should have no problem getting approved for a credit card if that’s your salary. If you’re referring to the credit line, that will depend on your disposable income and credit standing. Check out this article for more info:
    Mar 20, 2015
    I use my credit cards for any purchase where a card is accepted. For one, using credit instead of debit add a layer of protection to your finances. If you are mischarged or your card information is compromised with a debit card, they money is drawn out of your account immediately. By using a credit card you will not lose your money while the credit card company fixes the problem. I also like to take advantage of credit card rewards by earning cash back that I would not get from using a debit card. I use my Capital One Quicksilver Card for most purchases as it earns 1.5% cash back on everything. I use a Bank Americard Cash Rewards Card for gas and groceries to get 3% and 2% cash back respectively.
    Mar 15, 2015
    Renting a car is the basic need for a credit card?
    Mar 16, 2015
    Photo of John K.
    Renting a car is one of a few types of transactions that are difficult to do without a credit card. So, yes, if you plan to rent a car, it's probably a good idea to get a credit card.

    Besides, credit cards give you complimentary rental car insurance.
    Mar 10, 2015
    I have tried many credit cards, and while I have found a lot of good ones, there hasn’t been the perfect one per se. I would really like a card with both no annual fee permanently all the benefits of earning air miles and gas rewards. This is always missing. I am an avid traveler and shopper so I tend to spend a lot on my credit cards, and I want to have the perks of earning lots of rewards such as gift cards to various stores, airline miles, hotel stays, and cash back. I find that there are cards that earn each of the above; for example, this card gives cash back, this cards gives airline miles, this card gives restaurant rewards, etc., but there isn’t one that I’ve found that does all of that with no annual fee required. I think this would be a real game changer and would attract a lot of interest.
    Mar 5, 2015
    A few months ago, I noticed fraudulent activity on my Capital One Mastercard. There was over $1,000 in charges that were not mine were made to the account. I immediately contacted Capital One customer service and spoke to a very helpful and friendly representative who told me that the matter would be handled quickly and efficiently. I was contacted by their fraud detection department shortly there after, and within 4 days, I noticed the charges were removed from my account. They also helped me update my security information so that my accounts could be better protected.
    Mar 6, 2015
    Photo of Ana M.
    I'm glad the situation was handled smoothly. Any tips for people who might find themselves in your shoes?
    Mar 4, 2015
    I use my BankAmericard Visa card mainly to build up my credit since I'm looking to move to another state in a few years. When it comes to making purchases I mainly use it for stuff that I purchase every month around the same time. I use it at the grocery store about 4 times a month, I also use it to pay for my transit fees to work. If i'm going to make a purchase for my home or maybe a gift for someone one in my family then i'll use it as well. I try to not get carried away and use it on everything so limited the usage to my must-haves for the month is a good way to keep it under control and build up my credit line.
    Mar 3, 2015
    I prefer to have a card that is no frills and has no annual fee. I find that having no incentives attached to my card keeps my spending under control - otherwise I'm constantly tempted to spend to earn points.
    Mar 4, 2015
    Photo of Margie C.
    That's a thoughtful approach. Kudos!
    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
    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
    I need a credit with bad credit no annual fee
    Feb 16, 2015
    Photo of Ana M.
    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.
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