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.

Quick Tip

Check your credit report regularly for inaccuracies instead of letting the loan provider find the errors. Inaccurate credit information can raise your borrowing costs significantly.

Miles by Discover® Card

Earning miles is a great incentive to apply for a credit card, but this feature usually means having to pay an annual fee. The Miles by Discover® Card comes with no annual fee, and also includes a lot of other benefits. Knowledge of all the details of this card could make your next vacation cheaper and more relaxing.

You start out by getting a sign up bonus of 12,000 miles, however it is credited to your account once per month in 1,000 mile increments and only in the month that shows card activity. These bonus miles will only be applied during the first 12 month, so a month of inactivity in this period means you will be missing out on part of the bonus.

There are also ways to accrue miles faster by using your card for certain transactions. When you make any restaurant or travel purchases you will earn 2 miles per dollar spent (up to $3,000 annually) and all other purchases will earn you 1 mile.

ShopDiscover can also get you that first award ticket a little faster. By accessing partner merchants through a link in your Discover account, you can earn double miles through any of the merchants. The list includes stores like Best Buy, New Egg, Target, Home Depot and Staples.

How to Redeem Miles

There is no rush to use the miles as they will never expire as long as you are a cardmember. On the other hand you always have the opportunity to redeem the miles as gift cards and cash, in case you do not have any travel plans in the near future. Redemption for travel is very straightforward compared to some other reward programs, where you must certain travel agents or sites. All you have to do is buy a ticket with the Miles by Discover® Card from any website or airline, then contact Discover afterwards and request a reimbursement for your travel purchase. You do not even have to use the miles for airfare, because car rentals, hotels, and cruises also get you the full value out of your rewards.

You can even decide to use the miles for items completely unrelated to travel. Choose from a variety of merchandise or gift cards from over 100 brand name partners. There is even an option to get cash deposited into your bank account. You are definitely better off using the miles for travel, but it is a nice feature to have an almost unlimited choice of rewards.

Conclusion

You do not have to worry about any fine print associated with the Discover Miles rewards program. In this case unlimited means unlimited, both with the amount of miles you can earn and when it comes to your travel plans. Currently there is also an additional incentive to apply for the Discover Miles Card. You can request a balance transfer on the application and for the first 6 months pay no interest. After 6 months regular interest rates apply.

* Please see the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the terms and conditions on the credit card issuer´s official website.

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. Earn 5% cash back on gas with gas credit cards. Receive a free flight when you have earned enough miles by using an airline credit card for your purchases. Select the type of reward that you prefer and compare credit cards to find the best offer.	Prepaid Credit Cards A prepaid credit 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 credit cards are also good as gift cards, which can be discarded when funds are used. Compare the best prepaid credit 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. You should try to search in the limited or no credit history or if you are willing to make a deposit equal to your credit line take a look at secured credit cards to build credit history.

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.
	You are provided an excellent opportunity to establish or rebuild your credit with HSBC credit cards. You can choose between a MasterCard and Visa, which gives you the same type of offers. There is an option for a secured credit card that reports to all major credit bureaus and is the best way to build credit if you do not qualify for an unsecured card. There are three types of unsecured credit cards and the difference is the APR and annual fees. Your offer depends on your credit report. The better your report is the more likely it is that you will get a low APR and lower annual fee.
	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.