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.

With the popularity of online retail shopping growing and becoming the norm for many shoppers, it is no surprise that almost every retailer has their own credit card. Cash is no longer king, but plastic is definitely in the running for the throne. The question is which cards to apply for and which to avoid. Sometimes the decision is not as simple as you think and there may be more things to consider than you originally thought. Especially when it comes to store cards like the Kmart store card for example. Is it worth getting?

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
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
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
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
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)) 16.99%, 20.99% or 23.99% Variable $89 - waived first year
Card Details:
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • 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 purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. There is a fee for balance transfers.
Apply Online!
Consumer Rating: 5 / 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.

Not Such Interesting Rates

Store cards are generally plagued with things to watch out for. Although they advertise beckoning sign-up incentives, you could take the bait and get hooked on the line for a lot more than you bargained for. For instance, the Kmart credit card advertises 50% of your next purchase in big bold letters. However, in the fine print you can see that the reward is only up to $50 in the form of a statement credit. With the kinds of interest rates that store cards are known to carry, if you do not immediately pay this entire bill you would easily forgo any discount, rewards, or savings you may have thought you would get. Most store cards have interest rates upwards of 19.99%, with some cards going as high as a 29.99% interest rate.


Not So Special Financing

At any given time store cards like the Kmart one, usually have several options for financing purchases that claim no interest. These offers usually revolve around large purchases such as jewelry, appliances, furniture, mattresses and any other kinds of purchases that require committing to a large lump sum of money. The kinds of things that cost a lot of money. The fact is you could actually pay a huge amount of interest when you see the phrases, no interest, interest free or special financing.

Double Your Rewards

Many store cards also advertise points. However, in many cases you do not need the store credit card to get them. For example, at the Kmart store you do not need their credit card to earn points. Points are available to all members of their loyalty program called Shop Your Way. If you use their loyalty program in conjunction with a traditional rewards-reaping credit card, you can probably see better rewards and more of a benefit than if you were to use their store branded card. If you use a traditional rewards card with a store loyalty program it could be like doubling your rewards.
READ ALSO RECENT FAQs:
July 01, 2016
In this case you can have your cake and eat it too. Kmart has a customer loyalty program called Shop Your Way. Being a member of this program will allow you to earn points without using their high interest rate credit card. Using a reward credit card together with the Shop Your Way membership will ...
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June 12, 2016
I would use caution whenever you see a no-interest option on a credit card. This is very different from a 0% APR promotional period on a traditional credit card. When the promotional period ends on a traditional credit card you will begin being charged interest on whatever your balance is at that ...
Continue»
May 08, 2016
No, if you have bad credit it is unlikely that you would be approved for any store card. However, there are many cards that cater to your type of credit. If you have bad credit it is important to only apply for a card that you will definitely get. Applying for a card you do not meet the criteria ...
Continue»

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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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