Compare credit card options to find the right deal for you

What credit card features don’t bankers want you to compare?

Using finder.com’s free service, it’s simple to compare credit cards offered by banks and credit unions. To help you make the right credit card decision for you, we’ve organized our comparison by card type and provider. Whether you’re after a card with a low Annual Percentage Rate (APR), a balance transfer option or a rewards card, we make comparing easy.

Rates last updated January 21st, 2017
APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee
Barclaycard Arrival Plus World Elite MasterCard
Earn 50,000 bonus miles and enjoy the current 0% p.a. for 12 months
16.49%, 20.49% or 23.49% Variable 0% Intro APR for 12 months (with minimum of $5 or 3% balance transfer fee) $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Barclaycard Ring Platinum MasterCard
Low interest rate on purchases, balance transfer and cash advances.
8.5% * Variable $0 p.a. Go to site More info
Credit One Bank Platinum Visa Credit Card
Good credit not necessary. Rebuild and grow your score with this card.
15.65% to 24.15% $75 p.a. annual fee for the first year ($0 to $99 p.a. thereafter) Go to site More info
Credit One Bank® Unsecured Visa® Credit Card
A Tool for Rebuilding Your Credit.
15.65% to 24.15% $0 to $75 (first year) $0-$99 (thereafter) Go to site More info
Credit One Bank® NASCAR® Credit Card
The Official Credit Card of NASCAR®. Earn double cash back bonuses on purchases made at NASCAR.com.
16.65% to 23.90% $0 to $99 p.a. Go to site More info
29.99 $75.00 for first year. After that, $48.00 annually. Go to site More info
Indigo Platinum MasterCard
With this card you get a 23.9 APR and up to 25 interest free days.
23.9 $0 / $59 / $75 first year, $99 thereafter Go to site More info
First Progress Platinum Elite MasterCard
With just a security deposit and 19.99% APR, start building credit histories.
19.99% $29 p.a. Go to site More info
Credit One Bank® Cash Back Rewards Visa®
Reward spending while boosting your credit score and earn 1% cash back on all eligible purchases.
16.65% to 23.90% $0 to $75 p.a. annual fee for the first year ($0 to $99 p.a. thereafter) Go to site More info
Simmons Bank Visa® Platinum Rewards
Excellent Credit Required - Applicants that do not have excellent credit will not be approved
9.75% None p.a. Go to site More info
Milestone Gold MasterCard
A good 23.9% APR card for individuals with all credit scores.
23.9% $35 / $59 / $75 first year, $99 thereafter Go to site More info
Simmons Bank Visa® Platinum
Excellent Credit Required - Applicants that do not have excellent credit will not be approved
7.75% None p.a. Go to site More info
First Progress Platinum Secured MasterCard
You can increase your credit limit once adding funds to the initial deposit.
11.99% $44 p.a. Go to site More info
Primor Secured Visa Classic Card
Get access to a $200 - $5000 credit line instantly. Fast, easy application.
13.99% $39 p.a. Go to site More info
Credit One Bank® Unsecured Platinum Visa® Credit Card
If you need a credit card but don’t have the best credit score, the Credit One Bank Unsecured Platinum Visa Credit Card could be a helpful solution.
15.65% to 24.15% $0 to $75 First year. $0 to $99 thereafter. Go to site More info
Rates last updated January 21st, 2017
APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee
Target REDcard Credit Card
A no annual fee credit card and discounts when you shop at Target.
23.15% $0 p.a. Go to site More info
Fingerhut FreshStart Credit Account
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
25.15% $0 p.a. Go to site More info
Horizon Gold Card
Get a 500credit limit to make purchases on the Horizon Outlet website.
0 $24.95 (monthly) Go to site More info
Fingerhut Advantage Revolving Credit Account
Helps you keep building your credit as you buy great name brand products.
25.15% $0 p.a. Go to site More info
Luxe Signature Card
For purchases in HuttonChase.com with a maximum credit limit of $1500.
0% $20 monthly fee Go to site More info
Gettington Credit Account
Pay for purchases over an extended period of time while you shop at Gettington.
25.15% $0 p.a. Go to site More info
Vast Platinum Card
Use the $1000 credit to shop at the Unique Card Services Shopping Club.
0% $19.95 (monthly) More info
Next Millennium Card
Shop the items you need at myuniqueoutlet.com with up to a $1000 credit.
0 $19.95 (monthly) Go to site More info
Fingerhut Credit Account
Shop at fingerhut.com and pay over time. Don´t let money stop your shopping impulse.
25.15% $0 p.a. Go to site More info
Rates last updated January 21st, 2017
APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee
USAA Cash Rewards American Express
You can receive up to 2.25% cash back on groceries and gas, as well as up to 1.25% cash back on most purchases.
10.40% to 26.40% $0 p.a. Go to site More info
USAA Rate Advantage Visa Platinum
Get price protection and extended warranties on products you purchase, which allows you to refund payment for products.
7.40% to 24.40% 3% Intro APR for 12 (with 3% of the transaction amount (maximum fee is $200)% balance transfer fee) $0 p.a. Go to site More info
USAA Rewards American Express Card
You can get cash back (unlimited) on groceries and gas and on most purchases and get car rental insurance as well.
10.40% to 26.40% $0 p.a. Go to site More info
USAA Classic American Express®
Get access to collision damage waiver coverage (don't worry about phisical damage to your card) and travel benefits.
18.40% to 24.40% $35 p.a. Go to site More info
USAA Cash Rewards Visa Signature®
You can get price protection and extended warranties for your purchases and rewards for your day-to-day purchases.
10.40% to 26.40% $0 p.a. Go to site More info
USAA Secured Card American Express®
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage.
10.40% to 20.40% $35 p.a. Go to site More info
USAA Classic Visa Platinum®
Besides the classic travel and car insurance benefits, you also get identity theft protection, in case you become a victim.
18.40% to 24.40% $35 p.a. Go to site More info
USAA Cashback Rewards Plus American Express®
Get high cash backs on gasoline and military base purchases as well as groceries purchases, but also in most purchases.
12.40% to 26.40% $0 p.a. Go to site More info
USAA Military Affiliate Card
Earn 2,500 bonus points credited to your account with your first purchase and then 1 point per $ spent. No expiration date.
11.40% to 26.40% 0% Intro APR for 12 (with After 12 months, your APR will be 11.15% to 26.15% based on your% balance transfer fee) $0 p.a. Go to site More info
Rates last updated January 21st, 2017
Purchase rate (p.a.) Annual fee Interest Free Period
First Progress Platinum Elite MasterCard
With just a security deposit and 19.99% APR, start building credit histories.
19.99% p.a. $29 p.a. Up to 25 days Go to site More info
OpenSky® Secured Visa® Credit Card
A secured Visa® credit card that helps you build your credit quickly.
17.64% p.a. $35 p.a. Up to 25 days Go to site More info
USAA Secured Card Visa Platinum
Get a card that can help you build credit. Determine your own credit limit. When you apply, you'll open a two-year certificate of deposit (CD) (Opens pop-up layer) with $250 to $5,000. The balance of your CD is your credit limit.
10.4020.40% p.a. $35 p.a. Up to 25 days Go to site More info
First Progress Platinum Secured MasterCard
You can increase your credit limit once adding funds to the initial deposit.
11.99% p.a. $44 p.a. Up to 25 days Go to site More info
Primor Secured Visa Classic Card
Get access to a $200 - $5000 credit line instantly. Fast, easy application.
13.99% p.a. $39 p.a. Up to 25 days Go to site More info
USAA Secured Card American Express®
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage.
10.4020.40% p.a. $35 p.a. Up to 25 days Go to site More info
Excent Secured Credit Card
Secured Credit Card from $200-$5,000.
13.99% p.a. $39 p.a. Up to 25 days More info

Balance transfer credit cards

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

  • Manage your debt. The longer the 0% balance transfer APR lasts, the more you’ll save.
  • Beware of the revert rate. When the introductory low or no APR finishes, you could find yourself confronted with a much higher revert rate.

What should I consider when transferring a balance to a new credit card?

  • What is the balance transfer offer?There are a few ways to compare how competitive an offer is. The introductory APR rate you’ll be charged on a balance transfer card is usually low or 0% p.a., so this is something you’ll want to consider. The length of the balance transfer period also differs, though it generally falls between six and 24 months. You’ll want to choose a balance transfer offer that will allow you to pay off your debt before the offer ends.
  • What’s the revert rate? If you don’t think you can repay your existing debt within the promotional period, consider whether the revert APR rate will attract more interest and how this will impact the savings you’ve made.
  • How much can I transfer? Many providers set limits on the percentage of the credit limit you can transfer. If your existing balance exceeds the limit, you may want to reconsider a card with a higher credit limit.

Making the most of balance transfers

0% APR credit card

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 debts.
  • 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.

What should I keep in mind when considering a 0% APR credit card?

  • How long is the 0% APR in place? Carefully confirm how long the 0% offer will extend and when it’s due to end. If you do not repay your balance by the end of the promotional period, you may find that your existing debt attracts a much higher APR.
  • Are there other fees? If there’s an annual fee, make sure that the savings you’ll make in interest and other benefits of the card will offset these costs.
  • What are the other perks? Is there a rewards program or can you earn bonus interest-free days if you repay your balance each cycle? Extra features such as these can help you determine the value of the card.

All about 0% APR credit cards

Low interest credit card

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

  • If you struggle to repay your balance each cycle, 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, complementary insurance or other extra perks.

What else should I consider when comparing low interest credit cards?

  • How long is the low interest APR in place? Sometimes the low APR will only be in place for an introductory period (say, six to 12 months), whereas others may offer the low APR for the lifetime of the card. If it is the former, make sure to check the revert rate to avoid any nasty surprises when the promotional period finishes.
  • What are the other fees involved? Depending on the card, the low interest APR of the card may be balanced out by higher fees. Read the terms and conditions of the card to ensure that the overall costs, such as the annual fee, don’t outweigh the low interest.

How to choose a low-interest credit card

Travel credit cards

If you’re a frequent traveller, a travel card can be a good way to gain worldwide access to your cash without the drawback of currency conversion or foreign transaction fees. Big spenders can also often take advantage of rewards programs when using a travel credit card.

  • If you’re constantly traveling – whether for work or pleasure – a travel card can give you the convenience of accessing your cash around the world. Plus, you can also save on currency conversion and foreign transaction fees while earning points to redeem for rewards as you spend.
  • If you’re not a frequent traveller, then the higher cost of a travel card may not be worth it.

What should I look out for when considering a travel credit card?

  • Who are the partners? Most travel cards have affiliated partners, such as an airline, that provide cardholders with easy ways to earn points or bonus points on eligible purchases. Choosing a rewards program that complements your existing spending habits is the wisest strategy. If you have to deviate from your usual purchasing patterns to accrue points, then the card won’t be of maximum value.
  • What rewards are on offer? As well as partners, you’ll want to make sure that the rewards offered are of interest to you. There’s no point spending on the card and earning points if you can’t redeem them for the rewards you want.
  • Are there restrictions? Some travel cards may pose restrictions on the supported currencies you can use or may prohibit you from using your card in some regions. Similarly, there may be restrictions on where and how you can earn and redeem points, so it’s good to confirm these details before you apply to ensure that the card accommodates your needs.

How airline credit cards work

No annual fee credit cards

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 significant 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.

What should I consider when comparing cards with no annual fees?

  • How long is the no annual fee offer in place? You’ll need to confirm whether the no annual fee is in place for the lifetime of the card or only for a promotional period. If it’s the latter, you’ll want to check how long it is in place for and what the annual fee will revert to at the end of the introductory period.
  • What other fees and rates are involved? Just because there’s no annual fee doesn’t mean there won’t be other fees associated with the card. For example, if the card comes with a higher APR rate or a lower rewards rate, you may find that these outbalance the savings you’ve made on the annual fee. Calculate these figures before applying to make sure the card works for you.
  • What perks are on offer? Cards with no annual fee often lack additional perks such as high-earning rewards programs or concierge services. If these extra benefits are of value to you, you may want to reconsider what’s on offer.

No foreign transaction fee card

If you’re a frequent traveller or global online shopper, a card that offers no foreign transaction fees could be of benefit to you. If you use your credit card to make overseas purchases, you’ll know that foreign transaction fees can add up quickly.

  • A no foreign transaction fee card can help reduce these costs.
  • No foreign transaction fee cards often come with a higher APR or annual fee, so you’ll want to make sure that these costs don’t outweigh the value of reduced foreign transaction fees before you apply.

What should I consider when using a no foreign transaction fee card?

  • What are the other fees involved? While you will save on foreign transaction fees, you could find yourself forking out more in annual fees or interest rates. As always, compare your options and make sure these fees don’t offset the value of the card.
  • Are there other perks? Confirm whether the card comes with other features, such as a rewards program or balance transfer option, and decide if these add value to your credit card experience. For example, if the rewards program partners with an airline that you never use, you may want to consider another option.

Business credit cards

Business credit cards work in a similar way to personal cards, but with extra features to make dealing with business costs easier.

  • Business credit cards can be a good way to separate personal and business expenses to keep track of business expenditure. Using a business credit card can also help enhance your organization’s credit rating while offering additional perks such as rewards benefits, complimentary insurances and interest-free days.
  • Business credit cards often feature higher annual fees and APR rates. As a result, you’ll need to use the card to its full potential while also making timely repayments to get the most out of the card.

What questions will I need to ask when comparing business credit cards?

  • Choose a card that complements your spending habits. There are a wide variety of business credit cards available, so you’ll need to compare your options to find the right card for your organization. If you have a smaller business or plan to finance it with revolving credit, a card that gives you some flexibility and lower interest rates might be attractive. On the other hand, if you frequently use your credit card to pay for your expenses and you plan to repay your balance on time, a card with a solid rewards program could be of more benefit.
  • What are the fees involved? Business credit cards often come with higher fees, so you’ll need to calculate whether the value of the card will offset these additional costs. If not, then the card may not be the right choice for you.
  • What are the eligibility requirements? Business credit card applicants usually need to meet certain eligibility requirements, such as a minimum income and credit score, to receive approval for their credit card. To avoid having your application declined (and subsequently putting a dent in your credit history), thoroughly read the eligibility requirements before applying.

Compare business credit cards

Student Credit Cards

Using a student credit card can be a great way for first-time credit cardholders to start building their credit score and finance your expenses while you’re still studying.

  • Student credit cards often feature no annual fee and a low APR, so this can be a good way to finance your expenses while building your credit history at a minimum cost as you’re studying.
  • Student credit cards are usually quite basic and don’t offer the same perks as a platinum or premium card. Student credit cardholders also often require a cosigner, who will handle paying your debts if you’re unable to.

What questions will I need to ask when comparing student credit cards?

  • What is the annual fee and interest APR? Student credit cards typically offer low or no annual fee and lower interest rates, with some even offering interest-free days. However, this can vary from card to card so you’ll need to compare your options to ensure that the costs are affordable.
  • What else does the card offer? Although student cards don’t usually offer too many bonus features, you may want to look out for opportunities for a balance transfer or interest-free days if that’s of value to you.
  • Do I need a cosigner? You’ll often need a cosigner to apply for a student credit card. The cosigner is usually your parent or guardian, but depend on the card, they may also need a sound credit score to ensure your application is accepted.

Secured credit cards

If you don’t already have a credit score, a secured credit card can be a good starting point. The credit limit allowed on the card is usually secured by an equivalent amount of cash deposited into the account, which you are then expected to repay within a certain period.

  • If you’re using a secured credit card, you’ll be required to deposit a minimum amount of cash which will become the credit line for the account. This is a good way for cardholders to build or rebuild their credit score.
  • The money you deposit restricts your line of credit, and if you fail to make your repayments, you may lose your deposit.

What should I consider when comparing secured credit cards?

  • How much money do I need to deposit? The amount you’ll be required to deposit will vary from card to card though the minimum usually floats between the $300-$500 mark.
  • What kind of fees and charges can I expect? Again, this will vary according to which card you use. Some secured cards come with low or no annual fee and low interest APR, which could work to your advantage if you’re looking to save on costs. As always, read the fine print and make sure that the associated costs won’t eat away at your credit limit.
  • How can I use the card to improve my credit score? Rather than using the card to carry a large balance or make exorbitant purchases, you should use it to make smaller everyday purchases that you can pay off each month. Secured cards often have higher interest rates than regular cards, so carrying a balance longer than you need to could backfire.
How secured cards work

As with any financial product, service or provider, the right choice will always depend on your individual financial circumstances and needs. To make an informed decision, you should always compare your options and make a choice based on what is suited to your unique financial situation and preferences.

Recently applied and not sure about your application status?

Call the customer service line and find out if you’ve been approved or rejected, and why.

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US Credit Card Offers

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Barclaycard CashForward World MasterCard
Barclaycard CashForward World MasterCard

APR

14.99
TO
24.99

Annual fee

0 For the first year
More info
Credit One Bank Platinum Visa Credit Card
Credit One Bank Platinum Visa Credit Card

APR

15.65
TO
24.15

Annual fee

75 For the first year
More info
Target REDcard Credit Card
Target REDcard Credit Card

APR

23.15

Annual fee

0 For the first year
More info
Barclaycard Arrival Plus World Elite MasterCard
Barclaycard Arrival Plus World Elite MasterCard

APR

16.49
TO
23.49

Annual fee

0 For the first year
More info
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