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Bankrate.com makes finding, comparing, and applying for a credit card an easy process! Below you will find a listing of some of the most popular cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

  • Capital One® VentureOne® Rewards Credit Card
    • Click "APPLY NOW" to apply online or call 866-781-9766
    • 1.25 miles per dollar on every purchase, every day and no annual fee
    • One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
    • Redeem miles for airline tickets, hotel rooms, car rentals, and more
    • No limit on the miles you can earn and miles don't expire
    • Fly on any airline, any time with no blackout dates
    • 0% intro APR on purchases until November 2014
    • No foreign transaction fees
  • Purchases
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:until November 2014
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:11.9% - 19.9% (V)
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Excellent Credit
  • BankAmericard Cash Rewards™ Credit Card
    • Get $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 1% cash back on purchases everywhere, every time
    • 2% at grocery stores and 3% on gas for the first $1500 in combined grocery store and gas purchases each quarter.
    • Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
    • No annual fee
    • No rotating categories and your rewards do not expire
  • Purchases
    • Intro APR
      Purchases Intro APR:0%*
    • Intro APR Period
      Purchases Intro APR Period:12 billing cycles*
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%*
    • Into APR Period
      Balance Transfer Intro APR Period: 12 billing cycles for qualifying balance transfers*
  • Regular APR
    Regular APR:12.99% - 22.99% Variable* on purchases & balance transfers
  • Annual Fee
    Annual Fee:None*
  • Credit Needed
    Credit Needed:Excellent Credit
  • BankAmericard® Visa® Card
    • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
    • No annual fee
    • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Purchases
    • Intro APR
      Purchases Intro APR:0%*
    • Intro APR Period
      Purchases Intro APR Period:15 billing cycles*
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%*
    • Into APR Period
      Balance Transfer Intro APR Period: 15 billing cycles for qualifying balance transfers*
  • Regular APR
    Regular APR:10.99% - 20.99% Variable* on purchases & balance transfers
  • Annual Fee
    Annual Fee:None*
  • Credit Needed
    Credit Needed:Excellent Credit
  • Capital One® Card Finder Tool
    • Find card offers you may be eligible for without affecting your credit score
    • Get matched to features you want like low intro rates, cash back or miles, and more
    • See your card matches in less than 60 seconds
    • All Capital One cards come with fraud coverage if your card is lost or stolen
    • Online Banking including mobile app for fast and easy account management–right from your smartphone
    • Pick the monthly payment due date that works best for you
    • Pay the way you want–by check, online, or at a local branch
    • Get 24/7 access
  • Purchases
    • Intro APR
      Purchases Intro APR:See Terms
    • Intro APR Period
      Purchases Intro APR Period:See Terms
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: See Terms
    • Into APR Period
      Balance Transfer Intro APR Period: See Terms
  • Regular APR
    Regular APR:Various Rates
  • Annual Fee
    Annual Fee:See Terms
  • Credit Needed
    Credit Needed:N/A
  • Discover it®
    • Click "APPLY NOW" to apply online or call 800-628-1537
    • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
    • Generous. 5% cash back on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up. And 1% cash back on all other purchases.*
    • Plus a Cashback ConciergeSM any time for a 1-on-1 online tour to help you get the most rewards based on how you use your card.
    • Human. 100% U.S.-based customer service available any time.
    • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
    • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
    • *Click "Apply" to see rates, rewards and other information.
  • Purchases
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:14 months
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%
    • Into APR Period
      Balance Transfer Intro APR Period: 14 months
  • Regular APR
    Regular APR:10.99% - 22.99% Variable*
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Excellent Credit
  • Discover it®
    • Click "APPLY NOW" to apply online or call 888-333-5886
    • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
    • Generous. 5% cash back on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up. And 1% cash back on all other purchases.*
    • Plus a Cashback ConciergeSM any time for a 1-on-1 online tour to help you get the most rewards based on how you use your card.
    • Human. 100% U.S.-based customer service available any time.
    • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
    • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
    • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click "Apply" to see rates, rewards and other information.
  • Purchases
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:6 months
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%
    • Into APR Period
      Balance Transfer Intro APR Period: 18 months
  • Regular APR
    Regular APR:10.99% - 22.99% Variable*
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Excellent Credit
  • Capital One® Venture® Rewards Credit Card
    • Click "APPLY NOW" to apply online or call 866-781-9766
    • 2 miles per dollar on every purchase, every day
    • As seen in Money® Magazine's "Best" issue three years in a row. - Money® Magazine May 2010, 2011, 2012
    • Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
    • Redeem your miles for any travel expense
    • No limit on the miles you can earn and miles don't expire
    • Fly on any airline, any time with no blackout dates
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:13.9% - 20.9% (V)
  • Annual Fee
    Annual Fee:$0 intro for first year; $59 after that
  • Credit Needed
    Credit Needed:Excellent Credit
  • Citi ThankYou® Preferred Card — earn up to 30,000 Bonus Points
    • Earn up to 30,000 bonus ThankYou Points after qualifying purchases — redeem for up to $300 in gift cards or other great rewards!
    • That's 10,000 bonus points after $1,500 in purchases in the first 3 months of account opening, plus an additional 20,000 points after another $3,000 in purchases in the next 6 months
    • 0% intro APR on Balance Transfers and Purchases for 7 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • New: 2x Points on purchases for dining and entertainment
    • 1 ThankYou Point on other purchases
    • Points do not expire and earn unlimited Thank You Points
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
  • Purchases
    • Intro APR
      Purchases Intro APR:0%*
    • Intro APR Period
      Purchases Intro APR Period:7 months*
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%*
    • Into APR Period
      Balance Transfer Intro APR Period: 7 months*
  • Regular APR
    Regular APR:12.99% - 22.99%* (Variable)
  • Annual Fee
    Annual Fee:$0*
  • Credit Needed
    Credit Needed:Excellent Credit
  • Capital One® Platinum Prestige Credit Card
    • Click "APPLY NOW" to apply online or call 866-781-9766
    • 0% intro APR until February 2015 on balance transfers
    • 0% intro APR until February 2015 on purchases
    • No annual fee
    • $0 Fraud Liability if your card is lost or stolen
    • 24-hour travel assistance gives you a replacement card and cash advance
    • 24-hour roadside assistance
    • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
  • Purchases
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:until February 2015
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%
    • Into APR Period
      Balance Transfer Intro APR Period: until February 2015
  • Regular APR
    Regular APR:10.9% - 18.9% (V)
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Excellent Credit
  • BankAmericard® Better Balance Rewards™ Credit Card
    • No annual fee
    • Save on interest with a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 11.99% - 21.99% variable APR
    • Earn $25 per quarter towards your balance when you pay more than the monthly minimum and on time each month
    • Get an additional $5 bonus per quarter if you have at least one other qualifying account with us
    • Cash back is automatically credited to your card balance
  • Purchases
    • Intro APR
      Purchases Intro APR:0%*
    • Intro APR Period
      Purchases Intro APR Period:12 billing cycles*
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: 0%*
    • Into APR Period
      Balance Transfer Intro APR Period: 12 billing cycles for qualifying balance transfers*
  • Regular APR
    Regular APR:11.99% - 21.99% Variable* on purchases & balance transfers
  • Annual Fee
    Annual Fee:None*
  • Credit Needed
    Credit Needed:Excellent Credit
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Definitions
Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Purchases Intro APR: The initial interest rate that is charged for a specified period of time.

Purchases Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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Credit Card Averages
Product Rate
Balance Transfer Cards 15.84%
Cash Back Cards 16.32%
Low Interest Cards 10.99%
Rewards Cards 15.92%
Compare rates:
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