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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.

Customize your Credit Card Comparison


    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    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 October 1 – December 31, 2014 at, and select department stores
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases


    Blue Cash Preferred® from American Express

    blue cash preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 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: 6% US supermarkets up to $6,000 per year in purchases, 3% 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 November 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    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
    • 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)
    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 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 February 2016
    • 0% TRANSFERS until February 2016 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    REWARDS None

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • 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 August 2015
    • 0% TRANSFERS until August 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    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.
    • 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 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    REWARDS None

    Blue Cash Everyday® Card from American Express

    blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get $100 back after you spend $1,000 on 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% 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.


    Barclaycard Arrival™ World MasterCard®

    barclaycard arrival world mastercard credit card with no annual fee
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 14.99% - 18.99% (V)
    REWARDS Miles
    BASE EARN 1 mile/$1
    MAX EARN 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.
    • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase.
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.

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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

    Do I need a credit card and if yes what type?

    By: Odysseas PapadimitriouWe 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 KiernanYour 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 PapadimitriouWhile 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 PapadimitriouIn 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 KiernanThe 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 KiernanIf 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.

    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.)

    October 21, 2014
    Photo of Dahlia L.
    By: Dahlia Lei
    The most serious issue I’ve had with a credit card was when I lost my FirstBank Visa card. Luckily my bank acted pretty quickly when I called them. They were able to cancel that card and send me a new one with a new number right away. It’s scary to think what could have happened but thank God I noticed my card missing pretty quickly and was able to report it immediately.
    October 21, 2014
    Photo of Courtney I.
    By: Courtney Isabelle
    The credit card search tool is excellent and easy to use. I searched for my Chase Freedom card and had no problems locating it. It immediately showed up as the first card listed on the site, and I could then look at the details of the card, i.e. bonuses, intro rates on purchases, transfers, APR rates, and earn and redeem limits. I could also see the required credit score as well as the user review rating. I like that right off the bat, users are able to easily see what APR rates and balance transfer fees are. These are the most important things to me in choosing a card.
    October 11, 2014
    Photo of Veronica M.
    By: Veronica Meyers
    I prefer a credit card with low interest rates. I used my credit card a lot and I don’t always have the cash to pay it off in full every month so the lower the interest rate the less I would pay.
    October 8, 2014
    Photo of Adam A.
    By: Adam Adam
    I was on vacation in New Jersey a few years ago and lost my wallet on the boardwalk. I luckily had my Chase Sapphire card tucked away in my sock. I had enough rewards on my card to eat at a nice restaurant and stay in a nice room. I wouldn't of known what to do if I didn't have my card with me. I would have been in bad shape.
    October 1, 2014
    Photo of Jill M.
    By: Jill McCurley
    When looking at different options for my credit card my focus was on the interest rates and card limits. I decided to get a credit card through my bank because my goal in getting a credit card was to rebuild my credit. I have found that it is convenient to have my card with my bank because I keep up with my bank account online on a daily basis anyway. I have been able to pay off my credit card on time every month and I am very pleased with my decision.
    September 27, 2014
    Photo of Marino J.
    By: Marino Johns
    I prefer a cash back credit card because I try to pay off my card every month so the other features won’t really apply too much to me. I don’t travel that much so miles wouldn't appeal to me either. I love getting something back and cash back I think is the best type of reward.
    September 19, 2014
    Photo of Myrone G.
    By: Myrone Gaines
    I'd much rather have a rewards card with annual fees over a non-rewards card without annual fees. I've done some calculations and I usually make my money's worth with the rewards. Just make sure to pay your monthly payments and the rewards is an easy choice. Better yet, get a rewards card that has no annual fees. My Discover It card offers both rewards and no annual fees. It has been a pleasure to use so far.
    September 18, 2014
    Photo of Mathew H.
    By: Mathew Harny
    I received a card from First Niagara Bank. It was a Standard Mastercard. The customer services were very helpful with my transfer and I loved the 0% on purchases for 12 months that was included. This card is my main card and I have no idea what I would do without it.
    September 18, 2014
    Photo of Cain M.
    By: Cain Marko
    I had a really good experience signing up for my Amazon Visa rewards card. I signed up online, and before I confirmed everything they offered me 0% APR for six months. This was great because I was going to buy a new television set, and I didn't need to lay down a large chunk of money all at once. I did end up using the card to buy a television, and everything worked out great. I paid the minimum up until the last month. I then paid off the rest, and paid no interest on the television. I also received a good amount of credit for further purchases on Amazon. more
    September 14, 2014
    Photo of Latoya B.
    By: Latoya Blackson
    I really like my Discover IT card. They gave a $75 Amazon Gift Certificate sign up bonus when I applied. Right now up until the end of September, they are giving 5% cash back on all purchases. I love this feature because normally they only give 1%.
    September 7, 2014
    Photo of Sarah M.
    By: Sarah Malpass
    I personally think that credit cards should be even more secure than they are now. Identity theft and stolen cards are still a huge problem in today's society. To help prevent these attacks, credit cards should have the card holder's photo as well as some sort of tracking chip. Another thing that would help would be to increase the durability of cards. I always seem to have cracks or chips in my cards just from normal use. The CVC code on the back always starts to fade for me as well. It can be quite annoying at times, fix this please,
    August 30, 2014
    Photo of Ruth H.
    By: Ruth Henne
    I have the Capital One Quicksilver card and have had it for 1 1/2 years, I love the fact that I get 1.5% back on all my spends. I have it set up where once I get $50 in it, it then goes as a credit to my account. That is the best way for me to have my rewards on this card as it gives me a deduction on my account.
    August 26, 2014
    Photo of Sarah H.
    By: Sarah Haig
    While on vacation last summer with my ex and his family we encountered car problems. We had scrimped and saved to go on this trip and we were tapped out financially. The car repair was going to be several hundred dollars. Thankfully I had always kept a Discover card on hand for emergency use. That card saved our vacation and reduced the stress of unpredictable expenditures. I was so thankful I had it. Making low monthly payments was ideal compared to handing over a full paycheck to the mechanic!
    August 14, 2014
    Photo of Jennifer L.
    By: Jennifer Landers
    I really like the option to look through several cards without having to hunt down the individual sites. Comparing benefits quickly saves a lot of time and frustration as well as weeding out cards I have no interest or chance in getting.
    August 10, 2014
    Photo of Tim L.
    By: Tim Lawrence
    My main goal was to rebuild my credit and needed a card with a company that helps maintain and rebuild credit. Using the tools here I was able to get approved for a card from Capital One and they have tool to help keep current and improve credit over time.
    August 6, 2014
    Photo of David W.
    By: David Walters
    If you need a new credit card, whether for special offers, discounts, money back or a need to roll over debt from another card, this made sense for me to get an overall big picture view of what is available. I am shouldering a bit of debt on several cards at the moment and I was able to cut my monthly minimum and thus increase my payback rate to eliminate the debt faster. The “narrow your search function” was the bomb.
    July 31, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I called to speak with someone with my Capital One Card to do a dispute on some fraudulent charges to my account and the agent that I spoke with was very nice and explained to me in great detail the steps that would be taken to rectify the situation and also told me that they would put the funds back on my account immediately while they go thru the process. By the time I got off the phone with the rep and checked my account, the charges had already been reversed.
    July 30, 2014
    Photo of Lenny D.
    By: Lenny Deadski
    I have a Capital One VentureOne Rewards Credit Card. Ironically despite having rewards in the title, their rewards program is pretty mediocre. I would prefer they had more varied and worthwhile rewards. Their rates and fees are pretty average but not a big concern. I usually use rewards cards for their rewards so if they aren't on point I am very concerned. The online bill pay is pretty solid though. Their customer service and corporate policies also leave something to be desired. Yet its still not the biggest concern. Although its a perfectly adequate credit card, it still has a lot to improve on especially their rewards. If you are more
    July 29, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    Credit One is the best card out there for those with bad credit. I got one and after 3 on time payments they increased my credit limit by 150!! Plus I love the gas rewards I get.
    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 more
    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 more
    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. more
    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 more
    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 more
    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 more
    May 13, 2014
    Photo of Tanu R.
    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 M.
    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 more
    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 more
    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!
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