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 choosing a credit card you need to consider your options. Just like when you are shopping for a particular item you don’t just walk into any store and pay any price. You do research. You figure out what you want in a certain product and you look for something that fits your criteria and is within a certain price range. If you don’t shop for products like that, then why would you choose a credit card that way. Just because you shop at a particular store, like Dillard’s for instance, does not mean you should be using their card.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Capital One® Platinum 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) $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
Dillard´s American Express® Card
Dillard´s American Express® Card
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Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
n/a9 n/a9 13.24%-21.99%9 n/a9
Card Details:
  • Exclusive events and savings, free gift wrapping at Dillard´s and free standard shipping at Dillards.com.9
  • Open a Dillard´s Card today, spend $100 and receive a 10% Off Welcome Shopping Pass in your first statement.9
  • For every 1,500 Reward Points you earn, receive your choice of a 10% Off Shopping Pass or a $10 Reward Certificate.9
See Details
Consumer Rating: 3 / 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
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
Barclaycard Ring™ 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
0% (15 months) 0% (15 months (on balance transfers made within 45 days of account opening)) 13.74% Variable $0
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Apply Online!
Consumer Rating: 4 / 5
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 25.65% $0
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Online!
Consumer Rating: 4 / 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 16.15% - 24.65% 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: 5 / 5
Milestone® MasterCard® with Free Choice of Card Image
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/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
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 16.15% - 24.65% 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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Check off your current active bank accounts. Don't check anything if you haven't active accounts.
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.

Shop Around

When doing a research on a particular store card you should be aware of several things. You should always know what the APR is and if there is a grace period on new purchases. You should also find out if that particular store has a customer loyalty program that can allow you to earn rewards without using their particular credit card.


Loyalty Programs Double Rewards

When you have a particular store card in mind and explore their reward program don’t just take it for face value. Dig a little deeper. For example, take a look at the reward rate of the Dillard’s credit card. It offers two reward points for every dollar spent on purchases charged on the credit card at the store. When you reach 1,500 points you can receive a $10 reward certificate. Not bad as far as store cards go. However, that breaks down to a reward rate of 1.3%. There are reward cards that give 1.5% to 2% on all purchases no matter where you shop. Not to mention, rewards from traditional credit cards have many more options for redemption.

Co-Branded Cards

Another thing to take into consideration when considering a store branded card is that many of them offer two options: a basic store card and a co-branded card. One of the problems with this is you usually can’t choose which one you are applying for. So you may think you are applying for a card that is co-branded with a major payment network like Visa or MasterCard and you may end up with a basic store card that can only be used at that particular store.

Special Financing

Also, always be aware of anything labeled “special financing,” as many store cards use this term. This method of financing a purchase usually has deferred interest, which means that if you do not pay the full amount by the end of the agreed upon timeframe you will actually be charged interest back to the original date of purchase. This is more of a penalty than a reward.

9 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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* The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

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.