Apply for a Credit Card

Cardadvantages is the right place to discover and compare the best credit card deals. There is a card for everyone and all you have to do is select the category or profile that best fits your needs. Each category has credit cards listed for easy comparison. Introductory rates, interest rates and annual fees are highlighted below each card. Other important factors including credit card reward features and balance transfers can also be found in great detail.

Once you find the best credit card, simply complete the online credit card application and wait for less than 60 seconds. Online applications typically means you will receive an instant decision, but in some cases more time may be needed to process the application.

Quick Tip

Introductory 0% APR are used to save money on interest charges, but remember to check what the interest rate will be after the intro period expires.

* 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 credit card offers in the mail almost every week, but there are hundreds of credit 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 credit card 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 and other reward credit cards, where you can earn rewards for 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 credit cards with high interest rates. These student credit card offers 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. Credit card companies 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 for people with limited or no credit history or look for 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 as a student credit card. 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 credit card 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.