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.

When applying for a store credit card there are many things that should be taken into consideration. There are usually some incentives when it comes to store credit cards that may be in the form of a discount, rewards, or financing options. However, before you consider a store credit card like Costco you should be sure to compare cards that are not co-branded by a particular store. Many of these alternative cards offer comparable rewards.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Best Credit Cards from our Partners
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 14 months) 0% (up to 14 months) See terms $0
Card Details:
  • 0% Intro APR.
  • No Annual Fee.
  • Up to 5% Cash Back.
Apply Online!
Consumer Rating: 3 / 5
TrueEarnings® Card from Costco and American Express
TrueEarnings® Card from Costco and American Express
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Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
0% (6 months)7 30 days7 15.24%7 $07
Card Details:
  • 3% Cash Back at U.S. GAS STATIONS and on GASOLINE at COSTCO.7
  • 2% Cash Back at U.S.RESTAURANTS.7
  • 2% Cash Back on TRAVEL purchases, including at COSTCO.7
  • 1% Cash Back on OTHER PURCHASES, including at COSTCO.7
See Details
Consumer Rating: 3 / 5
Capital One® Platinum Credit Card
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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
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
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
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 16.74% - 24.74% 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
Barclaycard Arrival Plus™ World Elite 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 0% (12 months (on balance transfers made within 45 days of account opening)) 16.74%, 20.74% or 23.74% Variable $89 - waived first year
Card Details:
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
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.

Store Card versus Traditional

When comparing store cards to traditional cards you have to consider that most store cards can only be used at that particular store. Another consideration is that they usually have a high APR so they are not the sort of card you want to carry a balance on. Always read the fine print as some store cards do not even allow cardholders a grace period, which is the time you have to carry a certain balance before it begins accruing interest. When there is a grace period it is usually about three weeks or so after the end of the billing cycle. Traditional credit cards almost always have a grace period.

The Costco Credit card is a unique example of a store credit card because they only have a Visa card. There is no basic store card for this brand. They only accept Visa cards there as part of their store policy. But there may be better options if you do your research. Many traditional Visa cards have rotating categories that can offer up to 5% back in rewards.


Risks of Store Cards

A traditional credit card can have many benefits over a store card. They usually offer better interest rates and rewards and they can be used anywhere, which is good for debt consolidation. Having many outstanding payments can cause you to run the risk of missing a payment. This in turn can wreak havoc on your credit score and cause the interest rates on all your cards to skyrocket.

Also, many store cards come with low limits. This can negatively affect your credit score because it can cause your credit utilization to go above 30%. If you get a store card and it only has a limit of $500 and you spend $250 this is already 50% of the credit utilization on this card. Never mind if you spend more or carry a balance what this could do to your credit score.

It is better to use a card with a higher limit to consolidate your debt and to keep your credit utilization in check. Ultimately store credit cards can cause your credit score trouble in a number of ways.

7 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.