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Credit Cards

5.0 5.0 - 1 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.

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% 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
    • 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 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 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
    • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 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 $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 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% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on 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.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 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 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

    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
    • 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

    Capital One® Platinum Prestige Credit Card


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

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 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
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 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

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival world mastercard credit card with no annual fee
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% - 18.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1 - 2 miles/$1
    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel and dining and 1X miles on all other 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

    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
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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.

    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.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    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.

     
    Dec 20, 2014
    By:
    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.
    Dec 18, 2014
    By:
    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 more
    Dec 17, 2014
    By:
    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.
    Dec 4, 2014
    By:
    Dec 4, 2014
    I've been very happy with my Blue Cash Everyday® Card from American Express. I opened the card to a promotional deal of 0% interest on the first 15 months of purchases, and I also redeem cash back. I also got a free year of Amazon Prime, which I love.
    Dec 1, 2014
    By:
    Dec 1, 2014
    I would really like a card with both no annual fee permanently (not just for the first year) and all the benefits of earning air miles and gas rewards. I have yet to find a card like this and would really appreciate the perks without additional fees to worry about.
    Dec 1, 2014
    By:
    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.
    Nov 28, 2014
    By:
    Nov 28, 2014
    I use the Chase Slate credit card whenever I buy supplies for my small business. I am the owner of a video blog website. Every now and then I will need to buy things like pens, pencils, paper, etc, and I just use my Chase slate card. To be honest, I like my card for what it isn't rather than for what it is. Sure a lot of these cards offer cash back and bonuses and a bunch of random frills, but all of that usually comes at a price that you don't see because its hidden in the fine print. With my slate card there's no annual fee and more
    Nov 26, 2014
    By:
    Nov 26, 2014
    I would much rather prefer a card that has an annual fee but offers rewards. I think the rewards out weigh the annual fee.
    Nov 21, 2014
    By:
    Nov 21, 2014
    I would much rather prefer a card with an annual fee that offers rewards of some sort versus one that doesn't have an annual fee. It really is dependent on how much that annual fee is. But, 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. It's almost like having a gift card that constantly recharges itself as you spend. I would much rather go that route.
    Nov 20, 2014
    By:
    Nov 20, 2014
    I have a Capital One credit card. This card has been the most satisfying to me that I have ever had actually. The main perk with my card is that it is highly convenient and has absolutely no fees associated with it unless used at an ATM to withdraw cash. If used at one of their ATM's there of course is no fee, but there are none local to me personally. In the rare instance that I need cash, I simply get cash back with a purchase. I use this card daily and I don't think I could function very well without it. It is useful for all of my more
    Nov 14, 2014
    By:
    Nov 14, 2014
    My husband and I have a US Bank Visa credit card and are really satisfied with it! We used other credit cards in the past and only relied on them for emergency purposes. However, after reviewing the perks of the US Bank credit card and discovering that we can make money, we decided to use it for certain every day purchases and pay the card off in full each month. We have used the card for about two years and have found it to be the best credit card option to date. We receive 1% cask back on all purchases and 5% cash back on one category and 2% cash more
    Nov 13, 2014
    By:
    Nov 13, 2014
    I would like my credit card to have an app that notifies me if someone tries to use my card. I was recently I was at the store and had purchased several items. I tried to use my credit card and found it was denied. I was so embarrassed and I couldn't understand what was wrong. After spending 15 minutes on the phone I learned my card had been blocked because of fraudulent purchases. I wish I had been notified that this had happened, instead of standing at the check out counter being embarrassed.

    I would also like my credit card to add a thumb print to my card and more
    Nov 8, 2014
    By:
    Nov 8, 2014
    I would rather have a card with no annual fee than one with an annual fee and rewards. I’ve used the Chase Freedom and I’m used to not having to pay annual fees. It just doesn’t feel right to me otherwise.
    Nov 4, 2014
    By:
    Nov 4, 2014
    My favorite credit credit card is my Capital One MasterCard. It was easy to get and the minimum payment is easy to keep up. The online systems is wonderful for paying my payments, updating my information and just keeping track of my spending. MasterCard is accepted pretty much everywhere, so it is a great card to have in use .
    My bank card information was recently stolen, and it was a nightmare to get the money back. I was advised to use my MasterCard because it would be easier if a fraudulent attack was made on my account. I called Capital One and the representative explained that this is correct. more
    Oct 31, 2014
    By:
    Oct 31, 2014
    This is a great way to evaluate the different credit cards. I’ve been trying to improve my credit score, and I wanted to find a credit card that I could apply for and use to better my credit. After using this site, I went through all the various offers and types to see what would work best for me. The compare tool made this really easy for me to see all of my options and what was different among each option. Also, I like that there are customer reviews for each card. This made it easier for me to discount certain cards right away. My main focus was on the more
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