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.

Everyone loves to shop. And even more than shopping, everyone loves to save. One of the best ways to save is to use a credit card that gives you cash back for every dollar you spend, and offers promotional deals that give you a percentage off your purchase. There are many such cards out there. Some of them are general credit cards that you can use anywhere, and some are specific to a store, like Big Lots. No matter what your favorite store is, chances are there’s a credit card to help you save there.

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 0% (15 months (on balance transfers made within 45 days of account opening)) 15.24%, 20.24% or 25.24%* 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, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Consumer Rating: 5 / 5
Big Lots Credit Card
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Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
See terms See terms 29.99%12 $012
Card Details:
  • Special financing options12
  • No annual fee12
  • Convenient, 24/7 online Account management12
Consumer Rating: 2 / 5
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 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
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 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
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
Consumer Rating: 4 / 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.

Choosing a credit card

When you get a store credit card, you’ll usually be offered the biggest discount the first time you use it to make a purchase. But a discount isn’t the only thing you’ll get with a store card. A Big Lots credit card, for example, offers many ongoing deals and bargains to cardholders, as well as special financing and no annual fee. Many fans of the store enjoy using their cards to earn Big Lots rewards. But before you apply, find out if it’s a good card for you, or if another one might be a better fit.


There are a few things you can use to evaluate whether a particular card is the right one for you. Consider things like whether they charge an annual fee, what type of rewards they offer, and how high your credit limit will be. You’ll also want to look at the annual percentage rate, or APR. This is the interest rate you’ll be charged if you don’t pay off your balance in full each month. A low APR is always preferable to a higher one.


If you do have a high APR and are carrying a balance on that high-interest card, consider transferring your balance to a zero APR balance transfer card. There are many credit card offers that will allow customers to transfer a high-rate balance and pay it off with zero interest. This allows you to pay down your balance faster, while also saving money that you would otherwise have paid in interest. Doing a balance transfer is one of the smartest financial moves you can make, if you’re trying to pay down debt. There may be a small fee for the transfer, generally 3-5% of the total amount transferred. But be assured, it’s worth it to pay this fee, in exchange for paying off your debt faster.

READ ALSO RECENT FAQs:
October 18, 2016
This is an interesting dilemma. The thing about credit cards is, you will only get into debt using one if you use it to buy things that are beyond your means. You are in control of the way you use your card – remember that. There are many great things about credit cards, ...
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August 12, 2016
If you've never applied for a credit card, it's understandable that you might be nervous about the process. But don't worry. It's really very straightforward. You'll want to gather up your personal information in order to fill out the application – things like your home address and mailing address, your social security number, your annual income, your phone ...
Continue»
July 05, 2016
Unfortunately, paying with cash doesn't allow you to reap many rewards. In order to earn cash back, points, miles, or other incentives offered by stores and banks with rewards credit card products, you have to actually use the credit card to make the purchases. But I have a ...
Continue»

12 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.