Leading Credit Cards

Advertiser Disclosure

The Leading Credit Cards 2015 are based on CreditCards.org independent ratings.  We invite you to research each credit card offer and choose the best one for you. We continually update our credit card offers as issuers change rates, features, rewards, and even approval standards. Below you will find some of the leading credit cards provided by our partners:

Leading Credit Cards For: Excellent Credit | Good Credit | Fair Credit | Bad Credit |Cash Back | FREE Credit Score
Advertiser Disclosure
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time 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, 12.99% - 22.99% variable APR
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 Billing Cycles* 0% for 12 billing cycles for qualifying balance transfers* 12.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 Billing Cycles*
Intro APR Balance Transfer 0% for 12 billing cycles for qualifying balance transfers*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • MasterCard's new chip technology makes an already secure card, even safer.
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process! 
  • Application response in 30 seconds.
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See Website* See Website* Bad / Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad / Fair Credit*
Capital One® Classic Platinum Credit Card Apply Now
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account - even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
597
average
524
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 20.9%* Variable $39* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 20.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
  • Checking Account Required
  • Apply today, and if approved, pay a Processing Fee to access your available credit (additional fees and charges apply).
  • Featuring new peace-of-mind chip technology.
  • Application response in as little as 30 seconds.
  • Reports your credit history to the major Consumer Reporting Agencies
  • Optional Payment Protection Available
  • This is a credit card - not a debit or prepaid card
  • Secure online application keeps your information confidential
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See Website* See Website* Bad Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit*
  • Checking Account Required 
  • Application response in 30 seconds.
  • Now featuring chip card technology that's more secure
  • This is a credit card - not a debit or prepaid card
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See Website* See Website* Bad Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit*
Discover it® Apply Now
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."

 

731
average
687
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-18 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
711
average
676
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0% for 14 mths* 0% for 14 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0% for 14 mths*
Intro APR Balance Transfer 0% for 14 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Chase Freedom® Apply Now
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
669
average
612
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0% 15 mths* 0% 15 mths* 13.99%-22.99%* Variable $0* Excellent Credit*
Intro APR Purchases 0% 15 mths*
Intro APR Balance Transfer 0% 15 mths*
Regular APR 13.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
  • Loans from $100 – $10,000+
  • Repayment Terms up to 60 months!
  • Get your cash as fast as tomorrow
  • * APR between 4.999% & 35.80%
  • Borrow loan amounts from $3,001-$35,000
  • No hidden fees or prepayment penalties
  • Quick and easy online application, apply within minutes
  • Next business day funding available
  • Checking your rate will not affect your credit score
Credit Cards › Best Credit Cards

† This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.