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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.

    3.5 2,158 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until May 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until May 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    4 930 reviews

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 21 months
    • 0% Transfers 21 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER.
    • No penalty rate - EVER.
    • No annual fee - EVER.
    • Save time when you call with fast, personal help, 24 hours a day.
    • See All Reviews & Details About The Citi Simplicity® Card
    3.5 355 reviews

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 2% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee
    • See All Reviews & Details About The Citi® Double Cash Card
    3.5 2,401 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until February 2016
    • 0% Transfers until February 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,362 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See All Reviews & Details About The Chase Slate®
    3.5 1,005 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express
    3.5 1,027 reviews

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until August 2016
    • 0% Transfers until August 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Get 0% intro APR on all purchases until August 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until August 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
    4 1,264 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Exclusive award-winning customer service
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature Concierge.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card
    4 1,768 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add you first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See All Reviews & Details About The Chase Freedom®
    3 1,827 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until February 2016
    • 0% Transfers until February 2016No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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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.

     
    May 22, 2015
    By:
    I wish my credit card did not have an annual fee attached to it. I feel like I already pay enough in interest to the company that I should have the fee waived or just not charged to begin with.
    May 18, 2015
    By:
    I had some suspicious charges on my account so I called my credit card company (Capital One) immediately to tell them about these charges. They were very helpful and immediately helped me get those charges off my card and to issue me a new one right away. I didn't lose much time and no money in this situation. I left very happy with my credit card company.
    May 16, 2015
    By:
    It all depends on how much you will spend using your card. I had a Capital One Rewards card that charged a fee, it had decent rewards but not as good as my other card. I decided to cancel it because I rarely used it and was paying $50 a year for it and wasn't getting that much value in rewards. If you will use the card a lot then it is worth paying a fee, if not then you are better off with one that has no rewards but also no fee.
    May 14, 2015
    By:
    I use credit cards for unexpected miscellaneous expenses. I use it the most when my debit card is not working. There was a hold on my debit card, so I used my credit card to buy my books. I have bought other things for school like a laptop. I sometimes use it for gas when I know I can get a cash back. When I want to treat myself I use my credit card.
    May 13, 2015
    By:
    I use an Amazon Visa and I love the ease of 1 click shopping. The interest is competitive and the service thus far has been excellent. I would recommend Amazon product to anyone. I love that they also offer a rewards program-this comes especially handy during the holidays.
    May 12, 2015
    By:
    I have the Amazon.com Rewards Visa, and while it does a decent job of allowing me to make purchases on the Amazon site, I do wish it had a rewards structure that actually allowed for cash to be earned. As it is, the card only allows for redeemable points (and a fair few at that, up to 3% on Amazon itself) that can be used to pay for online orders.
    May 8, 2015
    By:
    I prefer a card with a cashback offer over many other types of cards. I can understand if you were to travel extensively the benefits of a travel rewards card but if you do not it would not be of much benefit. A low APR would also be nice but it seems that a low APR card is harder to be approved for.
    May 5, 2015
    By:
    One of my most serious issues was online theft that occurred via my Capital One Venture Card, as someone was able to make $1550 in charges on a number of different websites. It was a lot more difficult to correct than I thought, as this had never happened to me in the past. I figured that since it was obvious that the charges weren't mine, as they took place in a different state, that it would be easy to correct. It wasn't so. Eventually it was all rectified and I was relieved. It certainly was a headache though.
    May 1, 2015
    By:
    I use an American Express credit card, and though it is not as widely accepted as other cards, it has some great benefits. I purchased a pair of expensive headphones with the card and about a month later, accidentally broke them. It was my own fault but I heard American Express has great customer service so I contacted them and explained my situation. To my surprise, they told me not to worry about it, a week later, a box arrives on my doorstep with a brand new pair of headphones.
    Apr 30, 2015
    By:
    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.You
    should take into account your credit score and choose a
    credit card that best suits your needs. Rewards are great because if you're always charging on your credit card as I do for work, as you tend to forget that you are actually racking up them up, until you use them.
    Apr 28, 2015
    By:
    I would love if my credit card let me use my points directly at a retailer. I have to move my points into a giftcard or as a credit on my account. I would like to have the option to use my points without going through a middle man.
    Apr 27, 2015
    By:
    I have two credit cards, one with no annual fee and the other with a 50 dollar annual fee. My Visa reward card offers rewards and the fee. My Citibank has no rewards and no annual fees. I prefer using the rewards card because I get enough in rewards that goes well over the annual fee. I rarely use the Citibank and use my Visa reward card all the time.
    Apr 25, 2015
    By:
    The target red card is what I have. I am pretty consistent with my payments and sometimes I even pay more than asked. Sometimes I think that they are just looking for another way to make money. It makes no sense how they always say that I am overdue even though I print out my receipts. Anyway, I call customer service, told them and showed them proof and its resolved.
    Apr 23, 2015
    By:
    The capital one venture rewards card offers great mileage benefits if you travel. I do not like the annual fee, after the first year, but its benefits are so great. I am considering the capital one platinum prestige which has no annual fee, but offers no benefits as well. This is a tough decision but I like the airline miles accruing capital one venture rewards card the most!
    Apr 21, 2015
    By:
    I primarily use my Citi Double Cash card for all my purchases. I get 2% cash back, so I get an automatic savings on everything I buy. 2% doesn't seem like much but when I get $50 off my bill every couple of months, it's a nice savings. As long as you're sure to pay off the full balance every month, using cash back cards like this one is definitely the way to go. It can save you a good chunk of money over the course of a year.
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