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Find the best credit card
for you’s free service makes comparing credit cards simple. To help you find the best credit card for you, we’ve organized our comparison by card type, card features, and card provider. Whether you’re after a card with a low interest rate, a balance transfer option or a rewards card, we make comparing easy.

Compare credit cards

Rates last updated March 19th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Luxury Card Mastercard® Titanium Card™
16.24% variable
0% Intro APR for for the first 15 billing cycles (with whichever is greater: $5 or 3% balance transfer fee)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Barclaycard Ring™ Mastercard®
10.24% variable
A low, variable APR on purchases, balance transfers and cash advances.
Barclaycard Arrival Plus® World Elite Mastercard®
17.24%, 21.24% or 24.24% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Enjoy 40000
bonus miles after you spend on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
Credit One Bank® Visa® with Free Credit Score Tracking
19.15% - 25.24% Variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Credit One Bank® Unsecured Platinum Visa®
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Give your credit a boost with credit line increase opportunities, a fee may apply.
The First Access VISA® Credit Card
29.99% variable
$75.00 for first year. After that, $48.00 annually.
Access credit even if you have poor or limited credit history.
Simmons Bank Visa® Platinum
9.50% variable
The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchase, terms apply.
Simmons Bank Visa® Platinum Rewards
11.50% variable
Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Compare up to 4 providers

Rates last updated March 19th, 2018
Name Product Product Description APR for Purchases ( Purchase Rate ) Annual fee Interest Free Period
primor® Secured Mastercard® Gold Card
Low fixed interest rates with no penalty rate.
9.99% variable
Up to 25 days
First Progress Platinum Prestige Mastercard® Secured Credit Card
You can increase your credit limit by adding funds to the initial deposit.
9.99% variable
Up to 25 days
OpenSky® Secured Visa® Credit Card
A secured Visa® credit card that helps you build your credit quickly.
18.39% variable
Up to 25 days
First Progress Platinum Elite Mastercard® Secured
With just a security deposit and 19.99% variable APR, start building or rebuilding your credit history.
19.99% variable
Up to 25 days
UNITY Visa Secured Credit Card
Borrow up to $10000 and get your credit score back on track.
17.99% fixed
Up to 25 days
Applied Bank Secured Visa Gold Preferred Credit Card
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
9.99% fixed
0 interest free days
State Department Federal Credit Union (SDFCU) Savings Secured Visa Platinum Card
Created to help you establish or rebuild credit.
13.24% variable
Up to 21 days
SKYPASS Visa® Secured Card
Earn SKYPASS miles while building your credit history in the United States.
17.49% variable
Up to 24 days

Compare up to 4 providers

Rates last updated March 19th, 2018
Name Product APR for Purchases ( Purchase Rate ) Annual fee Product Description
Target REDcard Credit Card
24.15% variable
A no annual fee credit card and discounts when you shop at Target.
Fingerhut Credit Account
26.15% variable
The Fingerhut Credit Account is store-specific, and used to finance purchases made from or Fingerhut FreshStart’s catalogue.
Fingerhut Advantage Revolving credit account
26.15% variable
Helps you keep building your credit as you buy great name brand products.
Fingerhut FreshStart® credit account
26.15% variable
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Horizon Gold Card
Get a 500 credit limit to make purchases on the Horizon Outlet website.
NetFirst Platinum (
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
Luxe Signature Card
For purchases on with a maximum credit limit of $1500.00.
Next Millennium Card
Shop the items you need at with up to a $1000 credit.
Emporium Card
Varies by balance. See website for details*
Get a $300 to $5000 instantly to shop 100,000+ items at Emporium.
WALMART® credit card
23.90% variable
Overstock Store Credit Card
27.99% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

How credit cards work

A credit card is an unsecured revolving line of credit, which basically means you can borrow money to make purchases without having to put up collateral (upfront cash). Based on your perceived ability to make repayments, credit card companies assign a credit limit, which is the maximum amount of money you can borrow.

Unlike a debit card that uses your own money to make purchases, when you use a credit card, it is the lender who pays the retailer. At the end of your billing cycle, you receive a statement and that tells you the total amount you owe the lender for that period. Credit card companies make money on fees and the interest that accrues on your revolving credit.

There are many types of credit cards depending on the type of user. They range from general-purpose cards issued by big banks, to secured cards for people with poor credit, to co-branded store credit cards incentivizing you to keep shopping at Walmart or Amazon.

Credit card companies have been offering increasingly shiny rewards, sign-up bonuses, and travel perks to lure new users to spend with them. This is great if you pay your bills on time and in full. If you don’t, you offset any rewards gained by paying fees and interest. For those using credit cards because money is tight, If you don’t, you will end up paying

Beginner’s guide to credit cards

What cards are you looking for?

How credit card interest works

Understanding APR

As you spend on your credit card, your debts will also begin to collect interest if you’re unable to pay the whole balance back by the end of the statement or interest-free period. If you’ve used your card for purchases, it will start collecting interest. This is called an APR, or annual percentage rate, and it usually hovers between 11.99% and 20%. If you’ve used your card for an ATM withdrawal or any other transaction that’s considered a cash advance, you’ll accrue the cash advance rate of up to around 22%.

If you decide to transfer your debt from one card to another — maybe another card offers a better APR — you’ll also accrue a balance transfer interest rate, which is usually the same as either the interest rate or cash advance rate. Some cards do offer 0% promotional periods on purchases and balance transfers, so this is something to keep in mind during your comparison.

Each month, you’ll receive a statement that will detail the transactions you’ve made, the total outstanding balance you have and any interest you’re accruing. While you’re only required to pay a minimum repayment each month (2-3% of your total balance), it’s best to pay as much as you can. If you pay your entire balance in full, you can usually take advantage of up to 55 interest-free days in the next statement period. If you don’t pay your entire balance in full, the remainder will start to collect interest. If you miss the minimum repayment, you could be charged late payment fees.

Just some of the brands we compare

AMEX logoBank-of-America-LogoBarclaycard-Logo
Capital-One-LogoChase-LogoCiti credit cards logo
Discover provider logoLuxury Card provider logoUSAA provider logo

Comparing credit card features

Most popular credit card features

Balance transfers

Consolidate an existing debt at a lower APR with a balance transfer card.

  • Manage your debt. The longer the low or 0% balance transfer APR lasts, the more you’ll save.
  • Beware of the revert rate. When the introductory low or 0% APR ends, you could find yourself confronted with a much higher interest rate.
Making the most of balance transfers

Rewards cards

A rewards card can be a worthwhile way to get something back from your spending. Whether you’re a frequent flyer, loyal customer or big grocery spender, you can find a rewards credit card to suit almost any lifestyle.

  • The major draw of this type of card is earning points that can be redeemed for rewards. Depending on the card you use and the promotions in place, you may be able to earn bonus points when making certain types of purchases or shopping with a particular retailer.
  • What you can redeem your points for will vary from card to card. Some allow you to redeem points for flight rewards as well as shopping or travel vouchers. Others can be used for cash back, to redeem merchandise or even to donate to charity.
All about 0% APR credit cards

Cards with 0% APR

If you’re looking for a card that can lead to significant savings on interest, a 0% APR credit card could be the right choice for you.

  • 0% APR credit cards allow cardholders to take their time when paying off larger purchases or consolidating existing debt.
  • If the 0% APR is only in place for an introductory period, the revert rate could be significantly higher. These cards often require applicants to have a good credit history as well.
All about 0% APR credit cards

Cards with low interest

A low interest credit card allows cardholders to repay their debts at a lower APR than your standard card. Depending on the card, the length of the low interest period may vary from an introductory period to the life of the card.

  • If you struggle to repay your balance each month, low interest cards can help you reduce the costs of your card.
  • The advantage of low interest usually comes at the cost of forfeiting the extra features that a premium or platinum card may offer, such as a rewards program, complimentary rental car insurance or other extra perks.
How to choose a low-interest credit card

Cards with no annual fee

A no annual fee card doesn’t charge a yearly fee. Some cards have this as an ongoing deal; others will waive the standard fee for the first year of using the card.

  • Not having to pay an annual fee can result in savings each year.
  • If the annual fee is only in place for a promotional period, there may be a high annual fee when it reverts to the standard rate.

A guide to the no annual fee credit cards

What are the costs of a credit card?

  • Repayments. You’re free to repay as much as you like as often as you like. You’re required to make the minimum repayment when your statement is issued. The minimum repayment is usually 2% of your outstanding balance. You will pay a late payment fee if you don’t make the minimum repayment by the statement due date.
  • Annual fee. This is the cost to own a credit card. The annual fee ranges from $0 to hundreds of dollars depending on the credit card type. The credit card annual fee is deducted from your available credit and accrues interest at the purchase rate if it isn’t paid in the first statement period.
  • Interest rates. Interest is the price you pay to borrow money. Credit card interest rates are much higher than other types of finance because credit cards are an unsecured product; financial institutions have no recourse to take your assets if you default on your repayments.
  • Other fees. Other fees you may run into include late payment fees, overlimit fees (a fee for spending past your credit limit), rewards program membership fees and cash advance fees.

Credit card application tips

While applying for a credit card doesn’t have to be complicated, it can come with certain risks.

  1. Assess your needs. Before you begin your search, spend some time considering what you want, need and can afford with your next credit card.
  2. Compare your options. Once you’ve decided what type of card you want, it’s time to begin comparing your options.
  3. Are you eligible? Know the requirements for the card application – do you need a minimum income, and do you meet the age limit?
  4. Know your credit score. You should request a free copy of your credit history before applying, so you can correct any possible errors on it and see exactly what the bank will be seeing when they assess your application.
  5. Lower your credit utilization ratio. If you already have a credit card balance, it’s wise to pay off your existing balances before submitting a new credit card application.
  6. Don’t apply for multiple cards at once or within a short period. You may be tempted to apply for a second card just in case your first one doesn’t get approved, but don’t. Each credit enquiry that a lender makes about your credit history leaves a new mark on your credit file for five years.

Complete list of credit card application tips

Understanding your credit score

It may sound counterintuitive, but sometimes taking on debt can actually strengthen your financial future. If you’ve ever taken out a student loan, applied for or owned a credit card, or opened up a bank account in your name, you have a credit score. Your credit score is calculated by a credit bureau, and they are observing how responsibly you have handled your loans and your debt.

The three major credit bureaus — Equifax, Experian and TransUnion — use a set of factors and complex equations to determine your score. This is important, because your score is often used by lenders to help decide whether to approve you for new credit cards, personal loans and home loans. For example, your Equifax Score is a number between 300 and 850. The higher your number is, the better your credit position is.

Guide to understanding your credit score

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2 Responses

  1. Default Gravatar
    LenaOctober 2, 2017

    As a pensioner can i apply for a loan?

    • Staff
      JudithOctober 3, 2017Staff

      Hi Lena,

      Thanks for contacting finder, a comparison website and general information service.

      Yes, you may apply for a loan. To find out more about about loans for people on pension, you can access this page.

      Here are the loan options that you can consider. On the table, you can also click a provider’s name to read reviews of some of the brands that may consider your application.

      I hope this helps.


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