Best Credit Cards

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If you often shop at one particular store, having that store credit card can be logical. Indeed, store credit cards like Sears credit card, Walmart card or Best Buy credit card may give you access to discounts or special financing options but don’t apply for them without comparing with regular credit cards. A store credit card can seem a best option until you compare it with other rewards credit cards. Lower interest rate, flexible rewards and worldwide credit card acceptance is what store credit cards cannot offer.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Capital One® VentureOne® Rewards Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
0% intro on purchases for 12 months N/A 12.74% - 22.74% (Variable) $0
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.74%-22.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Online!
Consumer Rating: 5 / 5
Sears Card®
Sears Card®
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a8 n/a8 25.49%8 $08
Card Details:
  • $0 Liability on unauthorized purchases.8
  • Temporary shopping pass at Sears and Kmart if you forget your card.8
  • Use at Sears, Kmart, Sears.com, Kmart.com, Lands′ End, and more.8
See Details
Consumer Rating: 3 / 5
Credit One Bank® Unsecured Visa® Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 16.74% - 24.74% Variable $0 - $99
Card Details:
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Apply Online!
Consumer Rating: 4 / 5
Fingerhut Credit Account
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a n/a 25.65% $0
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Online!
Consumer Rating: 4 / 5
Capital One® Platinum Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 24.99% (Variable) $0
Card Details:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Apply Online!
Consumer Rating: 5 / 5
Credit One Bank® Platinum Visa® for Building Credit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 16.74% - 24.74% Variable $0 - $99
Card Details:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Apply Online!
Consumer Rating: 4 / 5
Capital One® QuicksilverOne® Cash Rewards Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 24.99% (Variable) $39
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Apply Online!
Consumer Rating: 5 / 5
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

What are store credit cards about?

All store credit cards are more or less alike nowadays. They offer access to additional discounts, allow you to earn rewards or use no interest financing on select merchandise. They can be used only at particular stores (for example Sears credit card can only be used at Sears and Walmart card is only for Walmart purchases), unless they are Visa or MasterCard cards. They usually come with no annual fee but their interest rates are one of the highest. While you think your store credit card is a good way to shop at your favourite store, you can make unnecessary purchases and end up paying a fortune in interest. The store credit cards are for people with established credit who can plan their spendings ahead and responsible enough to pay off the card balance during no interest period or every month.

Regular credit card or a store credit card?

When your credit is not perfect or when you start building your credit, a store credit card is not the best option. Firstly, because most credit cards won’t be issued to people with poor credit and secondly, high interest rates won’t forgive a single missed payment racking up the fees.

Regular credit cards are not that demanding. They won’t charge you high interest fees and may forgive you your first late payment. They will reward you for any purchase you make at any store. And they won’t tie you to a particular store, you can even take it with you when travel abroad. If your credit is fair or lower, such additional benefits like free credit score tracker will help you manage your finances and improve your credit history.

8 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

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* The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.