Best Credit Card Offers of 2018

Getting the best credit card is not an easy task because not all best credit cards will be best for you. You should know what you need a credit card for to be able to find an ideal credit card for you. There are tens of thousands of credit cards out there. Some of them are tailored to those who want to build their credit, other cards offer low or 0% APRs on purchases and balance transfers. Credit cards with cash back, point rewards, miles rewards - there are all possible rewards credit cards to choose from if you are after rewards. Below you will find some of the best credit card offers out there.

August 2018: BEST CREDIT CARD OFFER

5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.74% - 24.74% Variable
Annual Fee
$0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

More Best Offers for Your Credit

5
Card Overall Rating
Excellent, Good Credit
  • 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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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
Intro APR on Purchases
0% intro on purchases for 12 months
Intro APR on Balance Transfers
N/A
Ongoing APR
13.74% - 23.74% (Variable)
Annual Fee
$0
4
Card Overall Rating
Fair / Bad Credit
  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies.
  • We provide a response in 60 seconds or less.
  • Bad Credit? Good Option!
  • Know the score! Quarterly FICO score on your monthly billing statements
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Our application is easy and confidential.
  • Looking for a new credit card? Apply today!
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
4
Card Overall Rating
Fair / Bad Credit
  • Must have checking account to qualify
  • A 60 second response could mean a new credit card for you!
  • A Gold credit card offer for those with less than perfect credit.
  • Manage your account online 24/7 free of charge
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Easy Online Application!
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
4
Card Overall Rating
Bad/Fair Credit
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
First Access Visa Application
Compare now (38) »
4
Card Overall Rating
Fair/Bad Credit
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
5
Card Overall Rating
Excellent, Good Credit
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • No foreign transaction fees
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
16.24% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
4
Card Overall Rating
Fair / Bad Credit
  • Checking Account Required
  • All credit types welcome to apply!
  • A manageable credit limit can help you stay in control.
  • No fees for making payments.
  • Got 60 seconds? Get a response!
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
  • Completing the application is easy.
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
13.74% - 24.74% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.74% - 24.74% Variable
Annual Fee
$0
5
Card Overall Rating
Good, Excellent Credit
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 15 months
Ongoing APR
Variable APR of 14.74%, 18.74% or 24.74%
Annual Fee
None
5
Card Overall Rating
Average, Fair, Limited Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.99% (Variable)
Annual Fee
$39
5
Card Overall Rating
Average, Fair, Limited Credit
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.99% (Variable)
Annual Fee
$0
4
Card Overall Rating
Bad Credit
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms

Planning Your Financial Path with a Credit Card

You put a lot of time and effort into applying for the best credit card offer that suits your financial needs and lifestyle. Now that you have it you can enjoy the convenience and advantages of having a credit card, including making online purchases, not having to carry cash, and benefiting from the perks of rewards programs. But on the flip side, a credit card also comes with a lot of responsibility.

Careless credit card use can quickly lead to serious debt or identity theft. Moreover, most people fail to realize that credit card payments and level of debt have the most negative impact on your credit rating. Maxing out your credit card or ignoring your monthly bills now can have serious consequences in the future. A low credit score can hinder your ability to get a loan for a house or car, cause you to have to pay security deposits on utilities, make getting approved for an apartment or loan difficult, and depending on what industry you are in, even result in your denial for employment.

So before you go out and splurge on a wild weekend or start developing bad bill payment habits, our team of personal finance experts has some tips on the best ways to maintain your credit card after you get it.

  • Think of your credit card as 27 day cycle loan
  • Know what you owe
  • Pay your bill on time
  • Pay your bill in full
  • Use your credit card for emergencies only

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
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