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

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
Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%*	15 billing cycles*	0%*	15 billing cycles for qualifying balance transfers*	10.99%-20.99% Variable* on purchases & balance transfers	None*	Excellent Credit

BankAmericard® Visa® Card
Intro APR	0%*
Reg. APR	10.99%-20.99% Variable* on purchases & balance transfers

More Info...

1-2-3 REWARDS® Visa® Card

Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
Earn free groceries faster at Kroger, King Soopers, Dillons Smith's, Fry's and QFC
3 points per $1 spent on Kroger family of brand products
2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
1 point per $1 spent anywhere Visa Cards are accepted
Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
0% intro APR* for 9 billing cycles on purchases and balance transfers
$0 annual fee*

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	9 billing cycles	0%	9 billing cycles	13.99%-23.99% (Variable)	$0	Excellent Credit

1-2-3 REWARDS® Visa® Card
Intro APR	0%
Reg. APR	13.99%-23.99% (Variable)

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

BankAmericard Cash Rewards™ Credit Card

Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
1% cash back on purchases everywhere, every time
2% on groceries and 3% on gas for the first $1500 in combined gas and grocery 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, the regular APR
No Annual fee
No rotating categories and your rewards do not expire

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%*	12 billing cycles*	0%*	12 billing cycles for qualifying balance transfers*	12.99% - 22.99% Variable* on purchases & balance transfers	None*	Excellent Credit

BankAmericard Cash Rewards™ Credit Card Application

BankAmericard Cash Rewards™ Credit Card Offer

BankAmericard Cash Rewards™ Credit Card
Intro APR	0%*
Reg. APR	12.99% - 22.99% Variable* on purchases & balance transfers

More Info...

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
Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%*	15 billing cycles*	0%*	15 billing cycles for qualifying balance transfers*	10.99%-20.99% Variable* on purchases & balance transfers	None*	Excellent Credit

BankAmericard® Visa® Card
Intro APR	0%*
Reg. APR	10.99%-20.99% Variable* on purchases & balance transfers

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

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 May 2014
No foreign transaction fees

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until May 2014	N/A	N/A	11.9% - 19.9% (V)	$0	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%
Reg. APR	11.9% - 19.9% (V)

More Info...

Capital One® Cash Rewards

$100 bonus after you spend $500 on purchases within 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 back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until May 2014

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until May 2014	N/A	Until 05/2014	12.9% - 20.9% (V)	$0	Excellent Credit

Capital One® Cash Rewards
Intro APR	0%
Reg. APR	12.9% - 20.9% (V)

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

BankAmericard Cash Rewards™ Credit Card

Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
1% cash back on purchases everywhere, every time
2% on groceries and 3% on gas for the first $1500 in combined gas and grocery 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, the regular APR
No Annual fee
No rotating categories and your rewards do not expire

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%*	12 billing cycles*	0%*	12 billing cycles for qualifying balance transfers*	12.99% - 22.99% Variable* on purchases & balance transfers	None*	Excellent Credit

BankAmericard Cash Rewards™ Credit Card
Intro APR	0%*
Reg. APR	12.99% - 22.99% Variable* on purchases & balance transfers

More Info...

BankAmericard® Better Balance Rewards™ Credit Card

No annual fee
Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. Thats up to $100 in cash rewards per year with the card
Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account
Low Introductory APR offer

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%*	12 billing cycles*	0%*	12 billing cycles for qualifying balance transfers*	11.99% - 21.99% Variable* on purchases & balance transfers	None*	Excellent Credit

BankAmericard® Better Balance Rewards™ Credit Card Application

BankAmericard® Better Balance Rewards™ Credit Card Offer

BankAmericard® Better Balance Rewards™ Credit Card
Intro APR	0%*
Reg. APR	11.99% - 21.99% Variable* on purchases & balance transfers

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 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 May 2014
No foreign transaction fees

Purchases		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until May 2014	N/A	N/A	11.9% - 19.9% (V)	$0	Excellent Credit

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

More Info...

Capital One® Venture^SM Rewards Credit Card

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		Balance Transfers		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	13.9% - 20.9% (V)	$0 intro for first year; $59 after that	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	13.9% - 20.9% (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

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		Saturday, May 18th 2013