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.

Shopping online has undoubtedly become one of the most popular ways for consumers to purchase goods, without even having to leave their home. Many of the shops found online will require a credit card to make purchases. Certain retailers such as Amazon or the Belk department store will offer a credit card that shoppers can use to make purchases from their website. Many credit cards offered by major retailers will include something like a no-interest financing plan or no annual fee. Before applying for any card like this, be sure that you know everything there is to know about that card.

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:
  • 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! 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.
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:
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! 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.
Apply Online!
Consumer Rating: 5 / 5
Credit One Bank® Platinum Visa® for Building Credit
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 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®
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 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
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
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:
  • INTRO OFFER: Discover will match ALL the cash back 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! 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.
Apply Online!
Consumer Rating: 5 / 5
Best Credit Cards from Credit-Land.com
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% (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.

Rewards

Although credit cards are commonly used to pay for items when you don’t have the available cash, many credit cards have gone a step further than this. A lot of the credit cards that are available in today’s market will offer some type of system that allows the cardholder to collect rewards based on the purchases they make. The thing about rewards cards is that the rewards are not always worth what you have to do to get them.

If you were to apply for a store card with a rewards program, such as the Belk credit card, you would be able to collect reward points every time you use the card to make purchases from that store. Once you collect enough points, you will usually earn a reward certificate that can be used on a qualifying purchase from that store.

If you were to apply for a more general credit card that offers a rewards system or cash back, you would have a bit more flexibility when it comes to spending. General cards will usually allow you to make purchases and collect rewards from anywhere major credit cards are accepted.


Special Financing

Aside from the cards that focus on providing a rewards system, there are also many other cards that offer special financing plans to people who need to make large purchases. When using a store card to finance a large purchase, you need to be careful because store cards can be a little disingenuous when stating their offer. Many store cards will claim to offer a “no-interest” financing plan.

When taking part in one of these "no-interest financing plans" it is important to realize that the offer will only include no-interest, if all payments are made in full and on time. Missing a single payment could make you responsible for all interest payments, leading back to the original date of purchase.


Deciding

When it comes time for you to make the decision about which credit cards you are going to keep, which credit cards you are going to get rid of and which cards you will apply for in the future, you should always make sure that you know everything there is to know about that card before making a final decision. One thing to keep in mind about store cards is that they tend to come with high APRs. The Belk rewards card has an APR of 25.49%, which is low when it comes to store cards. In addition, they tend to have low spending limits and limited spending capabilities.
READ ALSO RECENT FAQs:
June 20, 2017
By shopping with the Belk rewards card, you can collect 1 reward point for every $1 spent on qualifying purchases at Belk stores or the Belk website. Cardholders will receive a $10 reward certificate every time they earn 400 points. As a cardholder, you also have access to receipt free returns. If ...
Continue»
May 26, 2017
The Belk card can could have some benefit to someone who frequently shops at Belk. With the base level card, you can collect a $10 reward certificate for every 400 points you earn. Although this card allows you to earn rewards for your shopping at Belk, the rewards are limited compared to other ...
Continue»
May 07, 2017
Before becoming a Belk Elite cardholder, you must first become a Belk Premier cardholder. To become a Belk Premier Cardholder, you must spend $600 as a Belk Rewards cardholders. To become a Belk Elite cardholder, you must spend a total of $1,500 on your Belk credit cards within a calendar year. ...
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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