Best Credit Cards

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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.

There are a lot of credit cards out there issued by credit unions, banks, and other credit card issuing companies. The cards may have low interest rates, like those issued by Aspire Federal Credit Union, or may come with rewards, like credit cards issued by major banks. Many people prefer credit cards offered by major banks but they also may have other credit cards offered by shops and gas stations. Whatever credit cards you have, they should work on you and not vice versa.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited 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 0% (15 months (on balance transfers made within 45 days of account opening)) 14.99%, 19.99% or 24.99%* Variable $0
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Consumer Rating: 5 / 5
Aspire Platinum Rewards MasterCard
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a46 0%
(6 months)46
n/a46 $046
Card Details:
  • 0% introductory APR* on all balance transfers during the first 6 months.46
  • Earn points to redeem for travel, merchandise, gift cards and even cash back.46
  • 5,000 bonus reward points after spending $2,000 in the first 3 months.46
  • No annual fee.46
  • Generous credit limits.46
  • MasterCard Benefits: Extended Warranties, Price Protection, Identity Theft Resolution Services.46
Consumer Rating: 3 / 5
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
Consumer Rating: 5 / 5
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 N/A $0
Card Details:
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Consumer Rating: 4 / 5
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 9 months 0% intro on balance transfers for 9 months 23.24% (Variable) $39
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • 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
Consumer Rating: 5 / 5
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 15.65% - 24.15% Variable $0 - $99
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Consumer Rating: 5 / 5
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 25.24%* Variable $0
Card Details:
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Consumer Rating: 5 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
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  • Will Not Affect Your Credit Score
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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.

Choosing a credit card

Today many companies from credit unions like Aspire to stores like Sears offer credit cards to their consumers. There are cards for consumers, businesses and students, secured and unsecured credit cards, co-branded and credit union credit cards. The cards can be used at particular locations or everywhere. Having such diversity, it may be hard to choose a card because next credit card offer looks more lucrative and advantageous than the previous one. Therefore, when you choose a credit card you should first of all know your credit score and your goals. Knowing your credit score, you can sift through credit cards you won’t qualify for sure. And knowing your goals will help you decide between the rest of the cards.


Regular credit card or a store credit card?

Store credit cards gain popularity among consumers with bad credit. However, 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.
READ ALSO RECENT FAQs:
October 01, 2015
Before you start choosing a credit card, we would recommend you to check your credit reports first. Make sure you do not have errors on your credit reports and all personal information is up to date. Then you can apply for a credit card. Since it is your first credit card, you have two options to go with. The first is to apply for a Continue»
December 31, 1969
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December 31, 1969
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46 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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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.