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 you’re making a major purchase for your home, such as a new appliance, television, furniture, or mattress, chances are you’re looking for the best deal you can possibly get. In addition, you’ll want the best financing possible. Many retailers offer special financing credit cards, such as the BrandsMart card, that allow you to pay very little, or even no money down, and pay no interest for a set amount of time. But watch out, because there are even better deals to be had…

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
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
The BrandsMart U.S.A. Credit Card
The BrandsMart U.S.A. Credit 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 29.99%9 See terms
Card Details:
  • No interest financing.9
  • No annual fee.9
  • Apply online or in-store.9
  • Preferred customer specials.9
  • Earn 1% on purchases made at BrandsMart USA.9
  • Make convenient in-store payments at any of our retail stores.9
See Details
Consumer Rating: 3 / 5
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
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
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
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
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
Credit One Bank® Unsecured Visa® 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 16.15% - 24.65% Variable $0 - $99
Card Details:
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Apply Online!
Consumer Rating: 5 / 5
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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.

How to afford a big purchase

Buying something that costs a big chunk of your monthly income can take a big bite out of your budget; the only way most of us afford such purchases is to use financing of some kind. Many retailers offer special financing, often in the form of a store credit card, to help you cover this cost and pay it off over time. For example, the BrandsMart credit card lets people pay off a purchase over a period of months, rather than having to pay the entire amount up front. However, the problem with this type of financing is that if you’re not able to pay off the entire balance in time, you’ll end up paying a high interest rate that’s backdated to your original purchase date. So, you could pay far more in the end than you would have if you’d paid for the whole amount in the first place. The best way to afford a large purchase like this is to find a great zero-interest credit card to use. This gives you much greater flexibility in the end, and still lets you bring home that new furniture, appliance, or electronic device that you need.


In-store financing vs a 0% APR credit card

Your BrandsMart credit card payment may seem like a great way to afford your purchase, but what happens if you can’t pay off your balance within the allotted time frame? You’ll end up with a hefty bill, courtesy of the high interest rate that was charged from the date of purchase. The difference between in-store financing and a credit card with a no-interest promotional period offer is that the credit card won’t charge you interest from the original purchase date, even if you still have a balance when the offer expires. It will simply begin charging you whatever the ongoing interest rate is. But an even bigger difference is that with a zero-percent interest credit card, you aren’t limited to paying for just one thing. You can use your credit card to make purchases anywhere that accepts that particular credit network as a form of payment; MasterCard, Visa, American Express and Discover are a good bet if you’d like to use a card that is widely accepted.

Hidden perks of credit cards

Other great reasons to use a card include purchase protection in case of loss, theft, or a defective product, zero liability for fraudulent charges, price guarantees that ensure you get the best deal or have your money refunded, and the possibility of a sign-up bonus that can pay off in gift cards, statement credits, miles, or other rewards. When you get a credit card that give you cash back, points, or miles for every dollar you spend, it makes that big purchase even more rewarding.
READ ALSO RECENT FAQs:
June 17, 2017
Yes, you can absolutely use your regular credit card to make this ...
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April 27, 2017
This is an in-store financing option that allows you to pay off your ...
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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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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.