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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.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

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

     
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    4.5

    Chase Sapphire Preferred® Card

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

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS until May 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4.5

    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • 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.
    • No limit to the miles you can earn.

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you 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 July 1 and September 30, 2014 at gas stations and Kohl's®
    • 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

     
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    4

    Capital One® Platinum Prestige Credit Card

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

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    4

    Capital One® Secured Mastercard®

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

    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $75
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.9% - 23.9% (V)
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    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 We 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 Your credit standing indicates your fiscal responsibility and trustworthiness to credit card companies and underwriters. It thereby dictates which loan and credit card offers you can qualify for as well as the interest rates you’ll have to pay. Not only is it a waste of time to apply for a credit card that requires better credit standing than what you currently have, but racking up denials on your credit card applications can lead to credit score damage. Keep in mind that the importance of your credit score extends beyond interest rates and card eligibility to things like car insurance premiums, the security deposit you’ll have to place in renting an apartment, and even your ability to get certain types of jobs.

    Quick Tips

    By: John Kiernan
    1. Always compare credit cards before applying; there’s no way of telling whether you’re getting the best deal otherwise, and marketing can be deceiving
    2. You should only consider applying for a credit card if it matches your credit standing.
    3. You should not submit more than a couple credit card applications within a short period of time, as this can lead to a roughly six-month dip in your credit score.

    What’s the best way to apply for a credit card?

    By: Odysseas Papadimitriou While we’re all used to being able to apply for major credit cards through the mail, the fact that online credit card applications are becoming more and more common might lead you to wonder about the best application method. The truth is that the way in which you apply is merely a matter of personal preference, but making an educated decision about the card you wish to get should not be.

    You can’t evaluate credit card offers in a vacuum; you need to view each in light of what the rest of the market has to offer. Sure, you can lay a bunch of credit card applications side by side on your kitchen table and do your due diligence that way, but at Card Hub, comparing hundreds of credit cards is as simple as a few clicks of your mouse.

    Once you identify the card for which you’d like to apply, you may have up to four choices for how you’d like to submit your application, depending on the bank: 1) via mail; 2) over the phone; 3) online; or 4) at an actual bank branch. For those of you concerned about sharing personal financial information over the Internet, every online credit card application is encrypted using SSL technology, and you can read more about our data protection practices here.

    What’s the best credit card company, and what's the best card network?

    By: Odysseas Papadimitriou In practical terms, your card's network really only matters if you plan on traveling overseas given that Visa and MasterCard are much more widely accepted abroad than Discover and American Express. Just make sure to get a no foreign transaction fee credit card on one of these networks, and you will be all set for your international travels.

    When it comes to deciding on credit card offers from different companies (e.g. a Capital One credit card vs. a Citibank credit card), we recommend that you focus on getting the best interest rates and rewards possible since the money you save by doing so will benefit you more in the long term than things like better customer service.

    I had a bad experience with my credit card a few years ago, what's different now?

    By: John Kiernan The CARD Act is what's different now. The new credit card law, which went into effect in February 2010, increased transparency in the credit card industry and dramatically strengthened consumer rights. Among the highlights of the law are provisions that lower penalty fees, eliminate arbitrary interest rate increases on existing balances, require better communication between issuers and consumers, and provide for favorable allocation of payments. Whereas many credit card offers used to be characterized by bait-and-switch tactics, you can now trust that what you see during the course of your credit card comparisons is what you get and that the benefits of using a credit card will not be marred by shady practices. While the CARD Act unfortunately does not apply to business credit cards, any company that offers credit cards is not held to a higher standard.

    What if I have questions about my existing credit card account?

    By: John Kiernan If you have specific questions regarding an existing credit card account (e.g. problems with your monthly statement or logistical issues), contact its respective issuer directly by calling the number on the back of your card. Credit card companies do not share any information with Card Hub that will allow us to help you with any account-specific issues.

    Nevertheless, we hope that you ask general credit card questions (e.g. questions about types of cards, strategies, terminology, etc.) and share your experiences on Card Hub. You see, our credit card finder tools help you identify the right credit card offer for your needs, but those tools become better the more consumers rate and write reviews for cards that they have used.
    COMMUNITY DISCUSSION

    Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    July 22, 2014
    Photo of Amanda B.
    By: Amanda Baldridge
    The Chase Slate Card is an excellent choice when choosing a reputable credit card for internet, personal and everyday usage. Preferred by most retailers, it is a trusted name in card swiping excellence. Usable wherever credit cards are accepted. This card allows you to check your balance for free online without any hassle whatsoever. If there is an incidence where your card was misused, lost or stolen, the diligent customer service reps are ready to take your call 24/7. Its my go-to. You cannot deny that the fee free part is totally nice in these hard times too.
    July 17, 2014
    Photo of Jackie F.
    By: Jackie Ferrara
    I would prefer a card that offers rewards so that I can reap some type of payback for what I am spending and paying in interest. I always hold a balance, therefore it is in my best interest to take that option rather than a card with no annual fee.
    July 12, 2014
    Photo of Chelee M.
    By: Chelee McKenna
    I like to have rewards offered on my credit because then I feel like I am getting something back for all of the money I spend on a particular card. Having said that I am also torn between low APR and no annual fee on my cards. Most of the time if a card has no annual fee as an introductory promotion and then they start charging a fee you can call them and get the fee waived, you just have to call every year when the fee is charged (which is kind of a pain!).
    July 8, 2014
    Photo of David A.
    By: David Armstrong
    I have a Discover card. The most serious thing to ever happen to me was losing my wallet, which contained the card. It doesn't require a PIN to make purchases so I go pretty worried and immediately called customer support. They canceled my card and issued me and new one that same day. I got the new card a few days later in the mail. I thought the entire process was painless and fast. If someone found my wallet and tried to use it it would have been denied and I only had to wait a few days before I could start spending again.
    July 1, 2014
    Photo of Adrianne B.
    By: Adrianne Barry
    One thing missing from my card are rewards. I have rewards from my debit card, and that has proven very helpful to me. I would love to have it from my credit card, because I use it far more often. I think rewards provide an incentive to use the credit card. As such, companies would actually benefit from having a rewards program. I would use my card more to get rewards, and they could charge me interest on it. I feel this is a win-win situation. The types of rewards that I would like would be gift cards and cash. I feel as if those are much better than things such as merchandise. Nobody really needs another mug or random t-shirt.
    June 30, 2014
    Photo of Tracy B.
    By: Tracy Bright
    The rewards program is not a necessity for my purposes. I need to have a no annual fee card. I don't plan on carrying a balance, or even using the card all that often. It's mainly to rebuild my credit, so the annual fee is all I really care about.
    June 20, 2014
    Photo of Doug B.
    By: Doug Bennett
    There is one thing missing from my credit card: A reward for paying off your balance every month. What I would really like is to have a credit card where the cash advance fee and the interest on said cash advance is waived twice per year for those who pay off their balances in full. There are just times when you NEED a cash advance, and if I'm diligent about paying my bill there's no reason that the credit card company cannot help me out a little bit. A small fee rebate means a lot to a loyal customer, and the credit card company wouldn't even miss it.
    June 20, 2014
    Photo of Ava M.
    By: Ava Marie
    Cardhub is a great place to find the right credit card for your needs. It lets you search using different features, so you can find a credit card right for your credit and/or find ones with certain features you desire, such as 0% on purchases or rewards. I was able to find a credit card that was meant for college students, like myself, very quickly and was able to compare all the cards that were right for me. This site is simple to use and has a great selection of credit cards.
    June 19, 2014
    Photo of Melissa L.
    By: Melissa Lapila
    We recently traveled to Berlin NH for a family vacation. On the way back we use our Chase Freedom in Brattleboro VT for gas. It was the only time we used the card during the entire trip. Three days after returning I received a call from the Chase Fraud Dept asking me if I purchased a 220.00 typewriter in Brattleboro. In this day and age nobody uses a typewriter so I laughed and said no as it wasn't my purchase. They had flagged the purchase as potential fraud based on my charging history. Even though we notified them of our travel and they let the gas through no problem, this purchase raised suspicion. I was beyond impressed ! They issued new cards delivered overnight to my home and problem solved. I couldn't say enough about their promptness and courtesy in protecting my account ! They are leaps above the rest !!!
    June 18, 2014
    Photo of Andy S.
    By: Andy Smith
    I use the Union Bank Gold Visa. I use it to purchase gas, groceries at the store and items online like Amazon or eBay. I find it more convenient to use than cash because it is easier to carry and there is protection involved in case your card gets stolen. If your cash gets stolen it's much harder to get it back. With a credit card, you can just call your provider and they can just issue you a new one.
    June 14, 2014
    Photo of Chad K.
    By: Chad Kiah
    When looking at comparing cards, you should probably have a good understanding on rather you plan to carry a balance or you will be paying off the balance each month. Personally, I prefer a cash back card that offers me an opportunity to pay off the balance each month and earn some extra cash charging what I would normally pay for every month anyhow. For instance, why not get cash back for your cable bill, your telephone bill, your groceries, and your gas? These types of expenses you will pay for anyhow and in most instances, you can charge and then immediately send your payment to your credit card company. This is just my opinion, but for those that are looking for the comparison, give consideration to a cash back card. If you aren't paying the balance off each month, stick with a low APR card. Happy hunting!
    June 8, 2014
    Photo of Janis S.
    By: Janis Sauncy
    In comparing the two cards - Citi Thank You Preferred and Blue Cash Everyday - I see they have similar introductory offers for new customers, in that they both offer zero percent interest for the first fifteen months of participation. They also both have a 0% annual fee and a 3% balance transfer fee. They both have similar A.P.R. after the fifteen months is up, with Citi's being 12.99% - 22.99% and 12.99% - 21.99% for the Blue Cash Everyday Card. The Blue Cash Everyday Card does offer a $100.00 cash back on the first $1,000 worth of purchases made in the first three months of obtaining the card. Late fees and cash advance rates are very comparable, although the cash advance fee for the Citi Thank You Preferred Card is 5%, while the cash advance fee for the Blue Cash Everyday Card is 3%. And, while the Blue Cash Everyday Card offers cash back incentives on things like grocery and fuel purchases, as well as department and other miscellaneous purchases, the Citi Thank You Preferred Card offers a point system on purchases, which can be redeemed for merchandise, gift cards, etc. Although the cards are comparable in many ways, my personal choice for a card would be the Blue Cash Everyday Card because of the introductory offer of cash back on purchases made in the first three months. I would also be much more inclined to use a card that offered cash back on purchases rather than a point system, which limits my choices in how I use those rewards.
    May 20, 2014
    Photo of Tracy B.
    By: Tracy Bright
    If the rewards program is something that I feel I will get use out of, I don't necessarily mind paying an annual fee. As long as it's within reason. Under $50 is the edge of reasonable for me.
    May 15, 2014
    Photo of Melissa L.
    By: Melissa Lapila
    I find the best credit cards to be those with cash back rewards. We carry the Chase Freedom and use it for most everything. The Chase Freedom gives you the choice of cash back by direct deposit, statement credit or to redeem a gift card. Over the last 4 years we were able to purchase a new washer, dryer and air conditioner using the cards we earned from using it ! I am the pay off each month person so it makes total sense to use this to get " free stuff " and for me it is truly free. The other upside is their low 12 % interest rate just in case hard time were to hit. I shriek at other cards that offer similar advantages but sock the cardholder on the interest. I have seen then as high as 28% and that's just not acceptable on any level. When deciding on your next card I can HIGHLY recommend the Chase Freedom Visa ! As with all cards, do yourself a favor and don't charge more than you can afford or it becomes a counterproductive circle of debt !
    May 13, 2014
    Photo of Annie N.
    By: Annie November
    My husband and I were driving back from his parents' house and it started to rain really hard. I mean, we could hardly see anything, it was a total downpour and we were still over a hundred miles from home. I've had a couple bad experiences in bad weather and so it shouldn't be surprising that I was rather freaked out. We had no idea how long the rain was going to last. Luckily, we saw an exit to get off and we pulled into a Waffle House for a little while. I really didn't want to try to drive in that rain again. We saw a hotel near the Waffle House and while we didn't carry a lot of cash on us, we did have our Visa card and after a few minutes of talking about it, we decided to use it to check into the hotel for the rest of the day and night and head home the next day when the weather was better. I was so relieved that it was there because I'm not sure what we would have done otherwise.
    May 13, 2014
    Photo of Tanu Rai
    Tanu Rai
    Credit cards are like a delightful gift from heaven.Credit cards can save you time and trouble--no searching for an ATM or keeping cash on-hand. I think your credit card helped you a lot to check into a hotel without any cash in your hand.With a credit card Cash advances are quick and convenient, putting cash in your hand when you need it.
    May 10, 2014
    Photo of Chad K.
    By: Chad Kiah
    I have the Chase Freedom Card and love it. I use it for almost everything. Gas, groceries, cable bill, cell phone bill, etc. The nice thing about this card is that you get 1% cash back on everything and then 5% bonus cash back on purchases made throughout the year in certain categories. I almost always max out for $75 on the quarters gas is a selected category. I highly recommend it over Discover anyday! It is accepted anywhere Visa is and I have been extremely satisfied. Unfortunately, I left Discover years ago and vowed never to return. Thankfully I found Chase Freedom!
    May 7, 2014
    Photo of Bridgett G.
    By: Bridgett Grigg
    I have had a Capital One card. I prefer a card with little or no fee versus having to pay a high fee and get rewards. Really, you are paying for those rewards and get what you are given and have to spend to "earn" them. I would rather not have to pay higher fees and keep the money I have which I can use on whatever I like, whenever I want to.
    May 6, 2014
    Photo of Heather P.
    By: Heather Payton
    I had a Capital One card. I would always have trouble with my payments posting and when I called in, I could not reach someone that spoke good English. They could not understand me and I could not understand them. It was very hard to get the problems resolved.
    May 13, 2014
    Photo of Keith Mouras
    Keith Mouras
    Heather I am very surprised you had such difficulty getting a payments posting issue resolved with customer service. I have had a couple of issues with my Capital One card but, they have always been resolved accurately, quickly and with courtesy. You may want to call back and ask for a supervisor to get your issue resolved.
    May 5, 2014
    Photo of Jose S.
    By: Jose Salinas
    The thing missing from my current credit card is the ability to use my rewards for different things. The rewards I earn can only be used to get gift cards. Then it takes four to six weeks before the gift card comes in the mail. It is very annoying. I have another card that when it earns rewards they can be used as cash on Amazon. I really wish all cards would just make their rewards available as cash instead of points, and then the cash could just be easily used on a partner site. That would make me really happy.
    May 4, 2014
    Photo of Hillary L.
    By: Hillary Lam
    I own the Discover student credit card. I like the card as it's my second credit card as a student, and I was very easily approved. I make a very low income, since I am a full time student so to get approved was straightforward and easy. The best feature of the card is the revolving 5% cashback categories. I tend to buy most of my stuff online, and the ShopDiscover 5-20% deals let me save a bit of money. My APR is a bit high, but again I am a student with a not-so-great credit score. The customer service has also been great any time I need to dispute a charge when I have problems with online vendors.
    April 28, 2014
    Photo of Keith M.
    By: Keith Mouras
    The card I am writing about is my old Capital One Venture card. Over the course of four months, my card got hacked and airline tickets, hotels, car rentals, meals and shopping trips for clothing all ended up on my card. I did none of those things so as you can image, I was quite concerned over what had transpired. Capital One was very good about removing the charges and getting things cleared up but, both times it happened, my card was closed out and a new one was issued. It sounds good in theory but, when you have multiple things being charged automatically on a monthly basis, it is a large pain to continue to notify all of the the appropriate parties that there is a new card number. Thanks.
    April 13, 2014
    Photo of Jay M.
    By: Jay Melo
    I kept getting an error message when I tried to shop online with the points from my Chase card. I called Chase Customer Service. The rep figured out the problem right away and she walked me through what to do. The problem was fixed in less than 5 minutes and I was able to make my online purchase. Thanks Chase!
    April 8, 2014
    Photo of Annie N.
    By: Annie November
    Honestly, I prefer cards that don't come with a fee. Even though the rewards are nice, what happens if you don't want to use your card for a while?? You don't get any rewards and you're paying a fee for a card you aren't even really using. Also, you have to use your card a fair amount to get any real rewards. I'd rather just use our cards and not worry about any extra fees.
    April 4, 2014
    Photo of Dolores B.
    By: Dolores Bucchi
    I also own several credit cards. I prefer a lower finance rate instead of a cash back card. Barclays Juniper card has a reasonable rate.
    April 1, 2014
    Photo of Scott D.
    By: Scott Daly
    While it is great having a low APR on a card, my preferred type of card is a cash back or rewards card. I am especially fond of my Amazon Rewards card that effectively gives me 1-3% cash back on every purchase, depending on where I use the card. While these sorts of rewards are often items at limited retailers, such as Amazon in the case of my card, if you are a frequent shopper you can save some excellent money through a cash back or rewards card. The quality of the card really comes down to the user though. If you don’t use a card enough to justify rewards or cash back, low APR may be better for you. If you don’t carry a large balance, the low APR could be completely useless for you. It is generally a good idea to have a mix of cards for different uses. I have a card for rewards and one that carries a low APR that I can carry larger balances on as needed.
    April 1, 2014
    Photo of Bobby T.
    By: Bobby Tarumi
    My next credit card will either be the Quicksilver Cash Rewards card or the VentureOne card. They're both very tempting to apply for as they both have many, many benefits. But I can only choose one. I'll begin with the Quicksilver Cash Rewards card and its benefits. It offers unlimited 1.5% cash back on every $1 spent. Even with that great deal, there’s no annual fee! The true benefit of this card is the fact that cash back is redeemed for, well, cash. Not points. Not miles. Cash. There's just so much flexibility with cash! And as an added benefit, the card features a low APR of 12.9% to 22.9% (varies with market). Finally, there’s a 0% intro period for 9 months. Now onto the VentureOne. I've had my eye on the VentureOne ever since it came out. The card gives 1.25 miles for every $1 spent, and it too has no annual fee! The card also features a low APR ranging from 11.99% to 19.99% (varies with market). I personally don't do much travelling. I do stay-cations during time off from work. But if a whole 2-way plane trip is paid for by VentureOne miles then I’ve got no problem packing my bags! The card even features travel benefits such as car rental insurance and $0 fraud liability if the card is lost or stolen. Comparing the two can be difficult. For a traveler, the VentureOne is an easy choice. It offers way more benefits like rental insurance and $0 fraud liability, things the Quicksilver doesn't offer. And overall, the VentureOne has a better range of low APR rates compared to the Quicksilver, 11.9% to 19.9% compared to 12.9% to 22.9% respectively. The VentureOne also outdoes the Quicksilver in the 0% APR period, 12 months compared to 9 months respectively. As for the non-traveler, the Quicksilver is the way to go. The sole advantages over the VentureOne is just, well, cash. You can't spend VentureOne miles to buy your groceries, but you can definitely spend your cash back rewards from the Quicksilver on those groceries, on your gas, on just about anything! It's cash! In addition, the one-time bonus for getting the Quicksilver heavily outweighs that of the VentureOne. With the Quicksilver, I would just have to spend $500 within the first three months to get a $100 bonus. With the VentureOne, I’d have to spend a whopping $2,000 within the same period of time just to get 20,000 miles. Just 20,000 miles? It sounds like a lot. But it just means I get $200 worth of flying for free. The math simply favors the Quicksilver for that point. But, in the end, I have to personally choose the VentureOne. Again, I'm not a traveler, but I just can't shy away from the fact that the VentureOne offers so much! I guess it’s the prestige of gaining so many miles that really gets me hooked on this card. The Quicksilver is great, and still a very good card. But I'm not after a credit card to earn cash back rewards. For me, cash comes with working. And that cash goes towards boring stuff like surviving. To me, “rewards” are meant to be fun, like mile rewards. I can’t spend that on boring stuff. So, I just gotta go with the VentureOne for its awesome miles.
    March 24, 2014
    Photo of Katie H.
    By: Katie Hales Smith
    I have recently been looking into getting a new credit card. I have well established credit but I wanted to open a new account primarily to earn rewards. I've been looking for a card with great incentives. The interest rate isn't of much concern as I plan to pay the balance without it accumulating interest. I like this search tool as it lets you easily filter the aspects that are important to you. The features of each card are neatly displayed and the search results are easy to navigate.
    March 24, 2014
    Photo of Scott D.
    By: Scott Daly
    I own several credit cards, as they are the best tool to establish credit, but my favorite is absolutely my Chase Rewards card from Amazon.com. The terms of the card are in line with the rest of the cards I own, but the benefits are unmatched. Depending on the location you use the card, you can earn 1-3% cash back as rewards on Amazon.com. I am a Prime member so I order stuff from Amazon frequently. Using my card on their website gives me the most money back and can be applied to future purchases. It is an extremely useful card if you shop on Amazon even occasionally.
    March 22, 2014
    Photo of Casi D.
    By: Casi Danielle
    First of all, everyone should get a credit card because it's the easiest way to add positive information to your major credit reports on an ongoing basis and thereby build and maintain your credit history.What's missing from my credit card is lower finance charges, cash back or some other form of a reward. My credit card is Capital one.
    May 9, 2014
    Photo of Cindy Ho
    Cindy Ho
    Casi, I highly agree. I thought as a young person that I was smart to live a credit free life and pay for everything cash. Then when I went to apply for a house, I had almost no credit history. Credit cards need to be taken seriously and responsibly, they have such a great impact on your financial life.
    March 20, 2014
    Photo of Jay M.
    By: Jay Melo
    A reward card with an annual fee may be worth it if you are a big spender or use the card for work. I don't charge much so a card with no fee is better for me even if I don't get rewards. But it's not hard to get a card with no fee and rewards. I have the Chase Freedom card which has no fee and rewards too which is great.
    March 12, 2014
    Photo of Dolores B.
    By: Dolores Bucchi
    What's missing from my credit card is lower finance charges, cash back or some other form of a reward. My credit card is Capital one.
    March 20, 2014
    Photo of Patricia Van Landingham
    Patricia Van Landingham
    I can’t speak for your particular situation, but Capital One is known for targeting high-risk consumers, such as people who have recently filed bankruptcy and people with poor credit in general. As such, the company has no need to give incentives to its customers. Being willing to give them a credit card when no one else will is usually considered to be good enough.
    March 10, 2014
    Photo of Sam S.
    By: Sam Simmons
    I chose a card (Wells Fargo College Card) that has no annual fees but offers a percentage back in cash on every purchase. The reason I chose this over other cards with higher cash-back offers is because I am just starting to build my credit -- I only spend about 90 dollars a month on this card, and there is no need for me to spend upwards of 50 dollars on fees per year. Perhaps in the future this will change, when I start spending more money per month, it will become valuable for me to pay that fee in exchange for the higher percentage back.
    March 6, 2014
    Photo of Jackie F.
    By: Jackie Farace
    I've had the Discover More card since 2006 and it's one of the best credit cards I've used. The few times that I have had to work with customer service, they have been very helpful. After I got married I called to change my last name. The rep who took my first call misspelled my name and so I had to call back. The second rep was so helpful! He changed my name and got my card out to me quickly. Another time I called to add my husband as an authorized user and the rep let me know about a $50 Cashback Bonus promotion that was going on. So I called to add a user and ended up earning $50 after I completed the promotion. Awesome!
    March 5, 2014
    Photo of Marc L.
    By: Marc Lin
    I use several cards for a variety of purposes: For example my Discover IT card is used for Discovers Quarterly Bonus rebates. This changes every 3 months so I need to remember to keep up with it to max out the 5% rebate bonus. I pay for everything with a credit card of some sort. The rebates pay for other things by way of the merchant gift cards Discover offers, in exchange for the rebate earned. They even kick in an additional $5 on the merchant gift card! I like getting rebates and so use various credit cards that offer them. No cash and carry for me anymore! Rebates offer me more value.
    March 3, 2014
    Photo of Suzanne C.
    By: Suzanne Cunningham
    For myself personally, I have fought with the option of having either an annual fee or rewards. Since I never carry cash and use my cards all the time for anything, I usually opt for the rewards cards unless the rewards are just gas. Also, it depends on how much the annual fee is; if I think I can feasibly earn at least as much as the fee for the card is in a year then I will choose the rewards card every time.
    February 25, 2014
    Photo of Erika S.
    By: Erika Shira
    I think cards with rewards can be risky, unless the user is very disciplined. It can be too tempting to make unnecessary purchases in order to accrue rewards, which I assume is what the card issuer is counting on. I would personally prefer a card with no annual fee and a lower interest rate versus one that has rewards. Particularly when the reward is cash back, what it really is is a higher interest rate disguised as giving you some money back, so that you end up paying the same interest as everyone else in the end.
    April 16, 2014
    Photo of Rebecca Gretzinger
    Rebecca Gretzinger
    I think that most people use common sense when it comes to owning a rewards card. Since the rewards are designed to be small and add up over time, I don't think that most people use the credit card specifically to get the rewards. If I were to make a large purchase, like a TV, for example, I might use my rewards card to get the reward and then I would pay off the balance immediately. I wouldn't buy something that I wasn't usually intending to buy and not be able to afford to pay it off in a timely manner just to get 3% cash back.
    February 22, 2014
    Photo of Marcia S.
    By: Marcia SilveRose
    Over the years I have discovered that my Chase credit card is best used as a safety convenience. Carrying cash is so dangerous these days, so I prefer the safety of the credit card and use it for most everything on a daily basis. You could say I use it as cash but at the same time, it gives me a record of my expenditures.
    February 15, 2014
    Photo of Charles M.
    By: Charles McCoy
    In order to satisfy a student's needs a credit card must have a rewards program which is consistent with the student's lifestyle. This means that a card company should offer discounts on tuition fees or books purchased with this specific card. There must also be an easy to use interface for students to check their finances and keep up with payments in order to not fall behind. Systems such as these would result in the students learning fiscal responsibility as well as starting to build up their credit history early on, allowing them to grow into financially responsible adults who are ready for the real world.
    February 13, 2014
    Photo of Andrew K.
    By: Andrew Kunkle
    I've had nothing but great experiences with my Discover It card and their customer service. I was recently traveling across country, and thus was making purchases at various locations all over the country. My Discover rep called and made sure that my card hadn't been stolen or anything. She was really nice and helpful with everything, and I appreciate that they have protections like that just in case something were to happen.
    February 12, 2014
    Photo of Neil P.
    By: Neil Popat
    I would like my credit card to have the option of going paperless as I do not see the point of receiving both paper statements and electronic statements, which is currently the situation for me. I would also like my credit card to give me the option of raising my credit limit to $6,000 after two years of on-time full payments. I feel my credit card provider doesn't value my concerns nor my needs, despite the fact that they heavily promote themselves. However, I will say I do find its cash rewards program to be generous compared to the rewards programs of other credit cards. I even get an annual bonus each year.
    February 16, 2014
    Photo of Annie November
    Annie November
    I totally agree about going paperless. It's such a waste. Between online banking and the app on my phone, there's no need to be sending paper statements every month. There's nothing on them that I don't already know and can find out sooner. If anything unusual goes on in our accounts, we find out a lot sooner by going online than waiting a month for the next statement.