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Leading Credit Cards

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

Editor’s choice

  • BankAmericard Cash Rewards™ credit card

    INTRO APR
    0%-12 Billing Cycles

    APR
    12.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • 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

    0%-12 Billing Cycles*

    Into 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*

  • First PREMIER® Bank Classic Credit Card

    ANNUAL FEE
    See Website*

    APR
    See Website*

    Credit Needed: Bad Credit

    • 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

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    See Website*

    Annual Fee

    See Website*

    Credit Needed

    Bad Credit*

  • Capital One® Classic Platinum Credit Card

    ANNUAL FEE
    $39

    APR
    20.9%* Variable

    Credit Needed: Fair Credit

    • 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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    20.9%* Variable

    Annual Fee

    $39*

    Credit Needed

    Fair Credit*

  • First PREMIER® Bank MasterCard® Credit Card

    ANNUAL FEE
    See Website

    APR
    See Website*

    Credit Needed: Bad / Fair Credit

    • 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

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    See Website*

    Annual Fee

    See Website*

    Credit Needed

    Bad / Fair Credit*

  • Capital One® VentureOne® Rewards Credit Card

    INTRO APR
    0%-until February 2016

    APR
    11.9% - 19.9%* Variable

    Credit Needed: Excellent Credit

    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases until February 2016; 11.9%-19.9% variable APR after that
    • Travel when you want-no blackout dates
    • No foreign transaction fees
    • Miles don’t expire and there’s no limit to how many you can earn

    Intro APR Purchases

    0%-until February 2016*

    Into APR Balance Transfer

    N/A

    Regular APR

    11.9%-19.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • First PREMIER® Bank Gold Credit Card

    ANNUAL FEE
    See Website*

    APR
    See Website*

    Credit Needed: Bad Credit

    • Now featuring My TransUnion Monitoring. Receive a free one-year subscription to receive unlimited access to your TransUnion credit report and VantageScore Credit Score (conditions apply; see website for details)
    • 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

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    See Website*

    Annual Fee

    See Website*

    Credit Needed

    Bad Credit*

  • Capital One® Platinum Prestige Credit Card

    INTRO APR
    0%-until May 2016

    APR
    10.9% - 18.9%* Variable

    Credit Needed: Excellent Credit

    • Get 0% intro APR on all purchases until May 2016; 10.9%-18.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you

    Intro APR Purchases

    0%-until May 2016*

    Into APR Balance Transfer

    0%-until May 2016*

    Regular APR

    10.9%-18.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Discover it®

    INTRO APR
    0%-6 mths

    APR
    10.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • 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 6,000 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 Discover card purchases.
    • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."

    Intro APR Purchases

    0%-6 mths*

    Into APR Balance Transfer

    0%-18 mths*

    Regular APR

    10.99%-22.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® Venture® Rewards Credit Card

    ANNUAL FEE
    $0 intro for first year; $59 after that

    APR
    13.9% - 20.9%* Variable

    Credit Needed: Excellent Credit

    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want-no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • No foreign transaction fees
    • No annual fee for the first year; $59 after that

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    13.9%-20.9%* Variable

    Annual Fee

    $0 intro for first year; $59 after that*

    Credit Needed

    Excellent Credit*

  • Citi Simplicity® Card

    INTRO APR
    0%*-18 mths*

    APR
    12.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER
    • No penalty rate - EVER
    • No annual fee - EVER
    • Save time when you call with fast, personal help, 24 hours a day.

    Intro APR Purchases

    0%*-18 mths*

    Into APR Balance Transfer

    0%*-18 mths*

    Regular APR

    12.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

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    • TurboTax Federal Free Edition
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    • Easily get your biggest tax refund possible, guaranteed* (*If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 12/15/15. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee.)
  • H_r_block_200px

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  • Clicknloan_logo
    Personal loan

    $100-$10,000

    Click-n-Loan - Loans $100 - $10,000+

    • Loans from $100 – $10,000+
    • Repayment Terms up to 60 months!
    • Get your cash as fast as tomorrow
    • * APR between 4.999% & 35.80%
  • Usc_logo_2
    Personal loan

    $100- $35,000

    UnitedStatesCredit.com - Personal Loans $100 - $35,000

    • Unsecured Personal Loans from $100-$35,000
    • Good, Bad and No Credit Welcome!
    • Get cash in as little as 24 hours.
    • Lower Interest rates.
    • Loans for any purpose.
    • No collateral, no problem.
    • Bankruptcy is NO problem!

Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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