Best Credit Cards

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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
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
Amazon.com Rewards Visa card
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
See terms See terms 14.49% - 22.49% (V)2 None2
Card Details:
  • Earn 3% Back at Amazon.com.2
  • Earn 2% Back at restaurants, gas stations and drugstores.2
  • Earn 1% Back on all other purchases.2
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 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
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
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 15.65% - 24.15% Variable $0 - $99
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Consumer Rating: 5 / 5
Get Your CARD MATCH
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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.

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 recurring payments. You will need to know your bank account ...
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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 keep in mind that your monthly payment will be significantly ...
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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 card does not offer the special financing option, but that ...
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2 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 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.