Apply for a Credit Card
There is a large variety of credit cards to choose from and it is important to simplify the process. Our tools give you the power to discover and compare the best credit card deals. There is a card for everyone and all you have to do is to select the category, feature or reward that best fits your need. Each category has cards listed for easy comparison and you can find introductory rates, interest rates and annual fees highlighted below each card. Reward features are listed in an easy to read format with all the details about cash back percentages, limitations and the redemption process. We have also completed a thorough review of each credit card listed on our website. Reading these reviews will ensure you know practically everything there is to know about the cards you are comparing, which ends up getting you the maximum benefit on all your purchases and balance transfers.
The online credit card application process is straightforward and uses secure socket layer (SSL) technology to encrypt and protect your data. When you apply online it often means you will receive an instant decision, but in some cases more time may be needed to determine if you will be approved.
Prepaid credit cards are a convenient payment method, but they will not be reported to major credit bureaus or help your credit history.
Barclaycard Arrival World MasterCard — No Annual Fee Card
The Barclaycard Arrival World MasterCard – No Annual Fee is a good option for anyone that does not want to be restricted in their travels or if you can't justify paying an annual fee to carry a credit card. This card allows you to earn unlimited miles and when used for travel and dining purchases, the miles your earn per dollar spent is doubled. You can redeem the rewards for anything that you like, but when redeemed for travel you get back 10% of the miles that you redeemed. This makes the card better than your average cash back credit card and if you are a frequent traveler, you are going to get a lot of extra miles out of the 2x miles on travel and dining.
Redemption is easy and there are no black out dates or restrictions. All you have to do is go online and request a statement credit within 90 days of purchase. Your travel can be booked with any website such as Travelocity, Expedia, or hotels.com.
Sign Up Bonus
You get rewarded nicely if you get approved for this credit card and spend $1,000 within the first 90 days. On top of the 1,000 miles that you will receive for the purchases there is also a sign up bonus of 20,000 miles credited to your account. This is worth $220 if you decide to redeem for travel. Every mile is worth one cent, but the 10% you get back in miles adds another $20 in value.
World MasterCard Benefits
As the name implies, it is classified as a World MasterCard, which gives the traveler some attractive benefits. You would be able to decline the expensive car insurance offered by car rental companies, as long as you do not drive premium vehicles. This card comes with Master Rental Insurance on vehicles with an MSRP of less than $50,000. There is no coverage if the vehicle you are renting costs more than $50,000. You get travel assistance and replacement of luggage, documents, and lost tickets. When bags are delayed for more than 4 hours, you may get reimbursement for amenities up to $300. The Travel Accident Insurance has you covered during the trip for up to $1,000,000.
How to Find the Best Credit Card Deals
A credit card is considered to be one of the easiest payment methods available, but finding the best credit card to apply for is a little more complicated. Not only do you receive promotional offers in the mail almost every week, but there are hundreds of cards to apply for online. It can be a daunting task to compare credit cards as they all have different features. Making the right decision involves figuring out what type of card is going to be appropriate for your needs and lifestyle.
Here is a list of the most essential features that you should compare before you apply for a credit card.Intro APR
Offering a low introductory APR for a period of time is a promotional tool utilized by many credit card issuers to gain new customers. Introductory rates can be used to your advantage for either purchases or balance transfers. If you carry a balance you can save a lot of money with 0% APR offers, however it is important that the regular interest rate on your new card is equal or lower than the rate on the old card. You will be amazed of how quickly the initial savings can evaporate once the intro APR offer has expired.Reward Credit Cards
Many credit cards offer rewards to the cardholder for every dollar that is spend on purchases. This can be in the form of cash back, points, or airline miles. You can earn many of these rewards at no additional expense, but airline miles credit cards are usually associated with an annual fee. The frequent traveler would still earn enough miles to make up for this fee, while others may benefit from a different type of credit card rewards.Interest Rates
Comparing the regular interest rate after the introductory rate is expired may be one of the most important factors when deciding to apply for credit cards. The savings from a credit card that just offer a low ongoing rate can be significant if you carry a balance. The best reward credit cards with introductory offers may look enticing, but are often associated with higher interest rates after the promotional period.Finance Charges
There are a variety of finance charges that can be applied to a credit card. Some of these finance charges can be avoided if the right card is chosen during your quest to compare credit card offers. There is no need to pay an annual fee when there are so many options out there with no annual fee. Balance transfer fees can also be eliminated with the right card. If you forget to make the payment or exceed the credit line, you have no other choice than to accept the fee that is applied to your account.
Business Credit Cards
Small business owners can separate their personal and business expenses with a business credit card.
The best offers include 0% APR on purchases and balance transfers, so whether your business is new or established, these offers can help your business grow.
There are also numerous cash back credit cards, where you can earn the rewards for every dollar spent on both you and your employees purchases.
You can apply for a business credit card today and be on your way to take advantage of the benefits.
Student Credit Cards
Getting approved for an unsecured credit card after college and with no credit history can be a difficult task.
Apply for a credit card as a student and avoid the trouble of trying to build credit history with secured credit cards or end up with very high interest rates.
These deals include no annual fee, 0% APR balance transfers, and cash back rewards.
Compare the best student credit cards and submit the online application for the card of your choice.
Rewards Credit Cards
Finding the best reward credit cards are dependent on your spending habits. The choices are many.
Select the type of reward that you prefer and compare credit cards to find the best offer.
Prepaid Debit Cards
A prepaid debit card is a useful tool to control your spending. At the same time you have an additional payment method available, when cash is not the best option.
Prepaid debit cards are also good as gift cards, which can be discarded when funds are used.
Compare the best prepaid debit cards, submit your application and receive a guaranteed approval.
Secured Credit Cards
Apply for secured credit cards and begin to build or reestablish your credit history.
Card issuers will report your activity on the secured credit card to the 3 major credit bureaus each month. There is guaranteed approval even with no credit or bad credit.
Compare secured credit cards and apply online.
Limited or No Credit History
Check your credit report to find information about your credit history and score.
You can still apply for a credit card with an unsecured line of credit, even if your credit report indicates no credit history. The selection of cards in this category can be very limited.
Compare Credit Cards by Issuer or Bank
|Earn Starpoints on every purchase with the Starwood Preferred Guest® Credit Card from American Express that can be redeemed for free nights or transferred to over 30 major airlines. Business owners can apply for the Starwood Business Credit Card and receive additional savings of 3-25% on business expenses from FedEx, Hertz® and more. There are lots of other consumer and business credit cards with great rewards to choose from including the Membership Rewards® program. American Express makes an effort to always provide you with an instant online decision on your credit card applications. American Express usually offers a credit limit that will not be exceeded by normal use, but you also have the option to apply for a charge card if you prefer a card with no pre-set spending limit.|
|Chase has many great reward credit card offers. Chase Freedom(SM) Credit Card offers up to 3% cash back. The Chase Sapphire(SM) Card offers double points on airfare and includes premium travel protection benefits. You can also choose Slate(SM) from Chase that lets you manage your finances on your terms. Every credit card from Chase comes with either a reward program or valuable features without paying an annual fee. Compare the best credit cards from Chase and apply today.|
|A Discover credit card is popular choice because of great customer service and a variety of member benefits. Apply for the Discover® Open Road Card and get 5% cash back on gas purchases and 0% APR for up to 12 months. The Discover® Open Road Card is also available for students. There are many other Discover consumer and student credit cards to choose from and they all come with unlimited rewards. Choose the Discover credit card that will give you the most benefits.|
|IberiaBank is located in Louisiana, but you can apply for a credit card online and take advantage of their enticing features. If you carry a balance and not willing to give up credit cards that offer cash back rewards, then you can benefit from an IberiaBank Credit card. They offer some of the best rates available and at the same time you can earn cash back on all your purchases. There are no limits or expiration dates on any of the rewards earned with an IberiaBank credit card. Every card from IberiaBank also features a 0% APR balance transfer with no transaction fee.|
|Pentagon Federal Credit Union is a solid financial institution serving close to one million members. Find out more on how to become a member and apply for a PenFed credit card today from the current list of offers. Cash advances can be obtained with no fees and the APR is the same as for purchases. Get up to 5% cash back on certain purchases and 1% on other purchases or choose a credit card with bonus points for travel related purchases.|
All Visa Signature cardholders are in luck if they want to see a movie on a Friday. It is Fandango that is offering this promotion, and they sell movie tickets for amc theaters, Regal, Carmike Cinemas, Cinemark Theaters, and many more. This promotion is valid until August 2nd, 2013 and can be used any Friday until then with no blackout dates, however you must purchase the tickets on a Friday as well.May 12 $200 Checking Account Bonus Offer from Chase
Open a Chase Total Checking account before May 15, 2013 and set up a direct deposit to receive a $200 bonus from Chase.
Chase regularly offer bonuses to open a checking account, but a bonus higher than $125 is usually difficult to achieve. However this $200 sign up bonus is accessible to everyone. You need a bonus code, but these codes are generated on the Chase website through this link. You can either print out the code or bring it to your branch and open the account in person. You can refresh the website and print as many unique codes as you desire, but any one person can only take advantage of this type of bonus offer once per calendar year.May 4 Starwoods Double Take Promotion
Starwood just launched their Double Take promotion on May 1st and it runs until July 31st. That means for every eligible stay during this period, you can earn double Starwood points. This does not apply Elite-level extra star points earnings, but everyone including Elite Level does get the opportunity to earn up to 2 extra starpoints on their stay. There are no limits to this promotions and your starpoints will post to your account in 2-4 weeks.
There are over 1,100 Starwood properties, however not all properties participate. You can find the list of non-participating properties here. There is still around a 90% participation rate, so in all likelihood you will probably be able to accumulate starpoints in your favorite property.Apr 27 35% Bonus from American Express Membership Rewards to British Airways
Now is a good time to use some American Express Membership Rewards, if you have any. British Airways miles are called Avios, and at the moment you will get 35% more Avios for transferring points. American Express does run this type of promotion a couple of times a year, but last time in December it was only a 30% transfer bonus.Apr 18 New Bonus on The Business Gold Rewards Card® from American Express Open
For the time being you can get 50,000 Memberhip Rewards points if you apply for The Business Gold Rewards Card® from American Express Open and get approved. To have these points credited, you must spend $5,000 in the first 3 months of card membership. You are eligible for this offer if you have not had this product, or any other Business Gold, Green or Platinum card within the last 12 months.
You are protected under the Fair Credit Billing Act for every credit card that you have. Follow the guidelines to take advantage of your rights as a cardholder.How to Find the Best Rewards Credit Card
You should never settle for a 1% cash back credit card. Earn more on your spending in certain categories to optimize your rewards.Credit or Debit
Make the right decision by knowing the differences between a credit card and a debit card.Types of Credit Cards
Take the time to explore differerent types of credit cards to ensure you apply for the best card in your situation.Pre-Approved Credit Card Offers
Compare credit cards before you apply for pre-approved credit cards.