Best Credit Cards by Category

Each section below lists the two best credit cards in that category. These credit cards are ranked according to several factors, such as the credit card's overall approval rate for signing new accounts. Compare each category to find the best credit card for your spending habits.

Best low interest credit cards

These low interest credit cards are best used if you have a habit of making large purchases and plan to pay them off over a period of time. Examples are large appliances, home furnishings, entertainment centers...even expensive emergencies, like home or auto repairs. More low interest credit card info

Discover® More® Card - No Balance Transfer Fee*

Click "APPLY NOW" to apply online or call 800-220-8317
Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months on Balance Transfers and Purchases*	10.99% - 19.99% (Variable)*	$0*	Yes*	Excellent Credit*

Discover® More® Card - No Balance Transfer Fee* Application

Discover® More® Card - No Balance Transfer Fee* Offer

Discover® More® Card - No Balance Transfer Fee*
Intro APR	0%*
Reg. APR	10.99% - 19.99% (Variable)*

More Info...

Capital One® VentureOne^SM Rewards Credit Card

Click "APPLY NOW" to apply online or call 866-781-9766
1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, 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 won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013
No foreign transaction fees
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% intro APR on purchases*	until February 2013*	11.9% - 19.9% (V)*	None*	Yes*	Excellent Credit*

Capital One® VentureOne<sup>SM</sup> Rewards Credit Card Application

Capital One® VentureOne<sup>SM</sup> Rewards Credit Card Offer

Capital One® VentureOne^SM Rewards Credit Card
Intro APR	0% intro APR on purchases*
Reg. APR	11.9% - 19.9% (V)*

More Info...

Best balance transfer cards

Balance transfer credit cards allow you to consolidate debt that is spread across several credit cards onto one card. The best credit cards in this category feature 0% APR for an intro period from 6 to 12 months. If credit card debt is becoming a burden, a balance transfer card is best. More about balance transfer credit cards

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	18 months on balance transfers and purchases*	11.99%-21.99%* (Variable)	$0*	Yes*	Excellent Credit*

Citi® Platinum Select® MasterCard® Application

Citi® Platinum Select® MasterCard® Offer

Citi® Platinum Select® MasterCard®
Intro APR	0%*
Reg. APR	11.99%-21.99%* (Variable)

More Info...

Capital One® Platinum Prestige Credit Card

Click "APPLY NOW" to apply online or call 866-781-9766
0% intro APR until May 2013 on balance transfers
0% intro APR until May 2013 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% intro APR on purchases and balance transfers*	until May 2013*	10.9% - 18.9% (V)*	None*	Yes*	Excellent Credit*

Capital One® Platinum Prestige Credit Card Application

Capital One® Platinum Prestige Credit Card Offer

Capital One® Platinum Prestige Credit Card
Intro APR	0% intro APR on purchases and balance transfers*
Reg. APR	10.9% - 18.9% (V)*

More Info...

Best rewards credit cards

If you pay your bill in full, and like receiving coupons or discounts, a rewards credit card is best. What you spend is converted into points, and when enough are accumulated, certain benefits become available. The better of these cards offer bonus points--often in the thousands--when the application is approved. Info on other rewards credit cards

Capital One® VentureOne^SM Rewards Credit Card

Click "APPLY NOW" to apply online or call 866-781-9766
1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, 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 won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013
No foreign transaction fees
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% intro APR on purchases*	until February 2013*	11.9% - 19.9% (V)*	None*	Yes*	Excellent Credit*

Capital One® VentureOne^SM Rewards Credit Card
Intro APR	0% intro APR on purchases*
Reg. APR	11.9% - 19.9% (V)*

More Info...

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back

$200 cash back after $500 in purchases within the first 3 months of account opening
5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
Each quarter, you can enroll to earn additional cash back in popular categories.
5% average cash back at select merchants through Citi Bonus Cash Center®
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	15.99%-22.99%* (Variable)	$0*	N/A*	Excellent Credit*

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back Application

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back Offer

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
Intro APR	N/A
Reg. APR	15.99%-22.99%* (Variable)

More Info...

Best cash back credit cards

Cash back cards turn 1-5% of what you spend into cash. The method and percentage varies: some programs are tiered, where the cash back increases proportional to the amount charged; others are specific, limiting the larger percentage to "everyday" items. These cards are best used if you always pay your balance in full. More info on cash back credit cards

Chase Freedom^® Visa - $200 Bonus Cash Back

Click "APPLY NOW" to apply online or call 800-679-8405
This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.99%-22.99%*(Variable)	$0*	Yes*	Excellent Credit*

Chase Freedom<sup>®</sup> Visa - $200 Bonus Cash Back Application

Chase Freedom<sup>®</sup> Visa - $200 Bonus Cash Back Offer

Chase Freedom^® Visa - $200 Bonus Cash Back
Intro APR	N/A*
Reg. APR	15.99%-22.99%*(Variable)

More Info...

Capital One® Cash

Click "APPLY NOW" to apply online or call 866-781-9766
$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash rewards that don't expire
Redeem cash rewards anytime for any amount, even set up automatic redemption
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until February 2013.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% intro on purchases and balance transfers*	until February 2013*	12.9% - 20.9% (V)*	$0	Yes*	Excellent Credit*

Capital One® Cash
Intro APR	0% intro on purchases and balance transfers*
Reg. APR	12.9% - 20.9% (V)*

More Info...

Best airline credit cards

Airline or travel credit cards offer benefits targeted to travelers and frequent flyers. These credit cards use points--often called miles--to reward cardholders. What you spend, and sometimes the miles you fly, is converted to points/miles. The best airline credit cards will redeem points/miles for travel-oriented benefits: tickets, discounts, etc. See more about airline credit cards

Capital One® VentureOne^SM Rewards Credit Card

1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, 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 won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013
No foreign transaction fees
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% intro APR on purchases*	until February 2013*	11.9% - 19.9% (V)*	None*	Yes*	Excellent Credit*

Capital One® VentureOne^SM Rewards Credit Card
Intro APR	0% intro APR on purchases*
Reg. APR	11.9% - 19.9% (V)*

More Info...

Capital One® Venture^SM Rewards Credit Card

Money® Magazine's "Most Rewarding Card if you crave free airline flights"
2 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem your miles for any travel expense
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
No foreign transaction fees
$0 intro annual fee for the first year; $59 after that

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	11.9% - 19.9% (V)*	$0 intro for first year; $59 after that	Yes*	Excellent Credit*

Capital One® Venture<sup>SM</sup> Rewards Credit Card Application

Capital One® Venture<sup>SM</sup> Rewards Credit Card Offer

Capital One® Venture^SM Rewards Credit Card
Intro APR	N/A*
Reg. APR	11.9% - 19.9% (V)*

More Info...

Help finding the best credit cards

6 things to consider before choosing a credit card
When picking a card, the No. 1 tip is to know yourself and how you will use the card.

7 ways to get the most from rewards credit cards
With virtually all credit card issuers offering rewards, the issue is not whether you should get a rewards card, but what type of rewards card is best for you.

9 things to know about balance transfers
Transferring the balance to a card with a lower interest may sound like an enticing way to save cash�but it�s not quite as simple as it sounds.

10 worst credit card mistakes
Making these 10 mistakes will turn good credit into bad and bad credit into lenders-won't-go-near-you credit.

See our credit card help section

Other ways to search:
Credit Score Estimator Answer a few simple questions and get a FREE estimated credit score. Find cards based on your estimated credit score.	Shop by Profile Try our fun Credit Profile Picker. Find recommendations and advice on what card is right for your credit card profile.	Credit Card Finder Select the card attributes that you are interested in. Compare different cards that meet your criteria, and apply online.

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		Tuesday, February 7th 2012