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.

One of today's best marketplace's is online. They have everything you need, and great deals as well (just take a look at Amazon or Best Buy). Sometimes you may wonder if a store card is worth having. They may seem to come with great benefits but you should become familiar with the caveats that store cards come with. Taking all things into consideration, you should be asking yourself whether or not certain credit cards should be in your digital wallet.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Discover it® - Cashback Match™
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
0% (14 months) 0% (14 months) 11.99% – 23.99% Variable $0
Card Details:
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Apply Online!
Consumer Rating: 5 / 5
Discover it® Miles
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% (14 months) 10.99% (14 months) 11.99% – 23.99% Variable $0
Card Details:
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
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 16.99% - 24.99% 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
Milestone® MasterCard® with Free Choice of Card Image
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 23.9% $35 - $99*
Card Details:
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Apply Online!
Consumer Rating: 4 / 5
Surge Mastercard®
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 See Terms* See Terms*
Card Details:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Apply Online!
Consumer Rating: 4 / 5
Discover it® chrome
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
0% (14 months) 0% (14 months) 11.99% – 23.99% Variable $0
Card Details:
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Apply Online!
Consumer Rating: 5 / 5
Best Credit Cards from Credit-Land.com
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
0% (up to 21 months) 0% (up to 21 months) See Site $0
Card Details:
  • 0% Intro APR.
  • No Annual Fee.
  • Great Rewards Programs.
Apply Online!
Consumer Rating: 5 / 5
WebBank/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 See Terms $0
Card Details:
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Apply Online!
Consumer Rating: 4 / 5
Credit One Bank® Platinum Credit Card with Rewards
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 16.99% - 24.99% Variable $0 - $99
Card Details:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Apply Online!
Consumer Rating: 5 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • 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.

Rewards

Store cards usually boast rewards of some kind. But are those rewards always worth it? Always read the fine print as some store cards don't even give a grace period on purchases and many have a high interest rate or annual fee.

The Amazon credit card for instance has a reward rate of 5% on purchases from them for Prime members. So if you are a Prime member and plan on paying the balance in full right away, the savings may be worth it. Although there is no annual fee for the card, but having a Prime membership will run $99 for the year. One cannot reap the 5% statement credit without being a Prime member.

However, a card you already have may have similar rewards, as many rewards cards have rotating categories that reward 5% cash back in certain categories of shopping. In addition, from time to time other cards run cross promotions with online retailers.


Special Financing

If you are thinking about using the special financing option, there are some things you should know. For example, the Amazon store card provides six months of financing on any purchase of $149 or more, and 12 months of financing if you spend $599 or more. This special financing is interest-free for the stated period of time. However, be aware of the pitfalls that come with special financing and weigh your options.

What you may not know is that if you do not pay off the balance in full within the allotted period of time you will be charged interest for the entire promotional period back to the date of the original purchase. With an APR upwards of 26% this could result in a hefty sum. Instead of the special financing option consider a card with a promotional 0% APR on purchases, this way if you do not pay the balance in full you will not be hit with a huge interest payment.

Deciding

Another thing to consider is that many store cards usually do not have as a high a limit as you may be used to. A card with a low limit can cause your credit utilization to be higher than 30% which can have a negative impact on your credit score. So whether you are buying a big screen television or something else, always think about the bigger picture.
READ ALSO RECENT FAQs:
May 20, 2016
Synchrony Bank is the issuer of the Amazon.com store card as well as the upgraded Prime store card for Prime members that apply for the store card. To make an Amazon credit card payment online you can go through the Synchrony bank website. There you can either make a one-time payment or set up ...
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May 11, 2016
The equal pay option offered by the Amazon card could be a better option than special financing but I also wouldn't consider it a good option. The equal pay option takes your promotional eligible purchases and splits them into 12 equal monthly interest-free payments. When thinking of this option ...
Continue»
April 22, 2016
Aside from the Amazon.com store card there is also a version issued by Chase and branded by Amazon and Visa. This card does not offer the same 5% cashback at Amazon, but it does offer 3%. It also offers 2% back at gas stations, restaurants, and drug stores. And 1% back on all other purchases. This ...
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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.

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