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Finder.com’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.
Barclaycard Arrival Plus® World Elite Mastercard®

Our pick: Barclaycard Arrival Plus™ World Elite MasterCard®

Earn 40,000 bonus miles and enjoy the current 0% APR for 12 months

  • Recommended Credit Score: 720 or higher
  • Bonus sign-up points: 40000 if you spend 3000 in the first 90 days
  • Annual fee: $89, waived the first year
  • Purchase APR: 16.99%, 20.99% or 23.99% variable
  • Intro balance transfer 0% for 12 months

    Compare credit cards

    Rates last updated October 20th, 2017
    Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
    Barclaycard Arrival Plus® World Elite Mastercard®
    16.99%, 20.99% or 23.99% 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 $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
    Luxury Card Mastercard® Titanium Card™
    15.99% variable
    0% Intro APR for for the first 15 billing cycles (with 3% (minimum $5) of the amount of each transfer% balance transfer fee)
    $195 ($95 for each Authorized User added to the account)
    Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
    Indigo® Platinum MasterCard®
    23.9% variable
    $75 annual fee for the first year ($0 to $99 thereafter)
    With this card you get a 23.9% variable APR.
    Credit One Bank® Platinum Visa®
    16.99% to 24.99% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Good credit not necessary. Rebuild and grow your score with this card.
    Credit One Bank® Unsecured Visa® for Rebuilding Credit
    16.99% to 24.99% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    A tool for rebuilding your credit.
    First Access Visa Card
    29.99% variable
    $75.00 for first year. After that, $48.00 annually.
    The First Access Card is a true VISA® credit card that does not require perfect credit for approval. Complete our easy online application now and get a response in as little as 60 seconds!
    Simmons Bank Visa® Platinum
    9.25% variable
    $0
    The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.
    Credit One Bank® Cash Back Credit Card
    16.99% to 24.99% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Reward spending while boosting your credit score and earn 1% cash back on all eligible purchases.
    Simmons Bank Visa® Platinum Rewards
    11.25% variable
    $0
    Excellent Credit Required - Applicants that do not have excellent credit will not be approved

    Compare up to 4 providers

    Rates last updated October 20th, 2017
    Name Product Product Description APR for Purchases ( Purchase Rate ) Annual fee Interest Free Period
    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
    $29
    Up to 25 days
    OpenSky® Secured Visa® Credit Card
    A secured Visa® credit card that helps you build your credit quickly.
    18.39% variable
    $35
    Up to 25 days
    UNITY Visa Secured Credit Card
    Borrow up to $10000 and get your credit score back on track.
    17.99% fixed
    $39
    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
    $48
    0 interest free days
    First Platinum Prestige MasterCard® Secured Credit Card
    You can increase your credit limit once adding funds to the initial deposit.
    9.99% variable
    $49
    Up to 25 days
    primor® Secured Mastercard® Gold Card
    Low fixed interest rates with no penalty rate.
    9.99% variable
    $49
    Up to 25 days
    primor® Secured Mastercard® Classic Card
    Have little or poor credit? The primor® Secured Mastercard® Classic has no minimum credit score requirements and no processing or application fees to worry about.
    13.99% variable
    $39
    Up to 25 days
    TCF Bank Secured Visa® Card
    Get the credit card that helps you to start fresh by helping build or rebuild credit.
    20.99% variable
    $25
    Up to 21 days
    primor® Secured Visa Classic Card
    Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.
    13.99% variable
    $39
    Up to 25 days

    Compare up to 4 providers

    Rates last updated October 20th, 2017
    Name Product APR for Purchases ( Purchase Rate ) Annual fee Product Description
    Target REDcard Credit Card
    23.90% variable
    $0
    A no annual fee credit card and discounts when you shop at Target.
    Fingerhut Credit Account
    25.90% variable
    $0
    The Fingerhut Credit Account is store-specific, and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart’s catalogue.
    Fingerhut Advantage Revolving credit account
    25.90% variable
    $0
    Helps you keep building your credit as you buy great name brand products.
    Fingerhut FreshStart® credit account
    25.90% variable
    $0
    Get instant access to purchase items in the Fingerhut store with no overlimit fees.
    Horizon Gold Card
    0%
    Get a 500 credit limit to make purchases on the Horizon Outlet website.
    NetFirst Platinum
    0%
    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
    0%
    $0
    For purchases on HuttonChase.com with a maximum credit limit of $1500.00.
    Next Millennium Card
    0%
    Shop the items you need at myuniqueoutlet.com with up to a $1000 credit.
    Emporium Card
    Varies by balance. See website for details*
    $0
    Get a $300 to $5000 instantly to shop 100,000+ items at Emporium.
    WALMART® credit card
    23.90% variable
    $0
    Overstock Store Credit Card
    27.99% variable
    $0
    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 charge. 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-Logocitibank-laogo
    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.
    • What is the balance transfer offer? There are a few ways to compare how competitive an offer is. The introductory APR you’ll be charged on a balance transfer card is usually low or 0%, 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 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 consider a card with a higher credit limit.
    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.
    • What are the associated costs?Typically the higher the rewards the higher the card costs, so be careful. While some rewards cards charge no ongoing annual fees, others charge higher annual fees up to $450 and beyond. The more features the card has, the higher the fee is likely to be.
    • Are there limitations?Your card provider might not let you earn more than a given number of points in a calendar year, and your points can also expire after a set time frame.
    • What are the other perks? Most rewards cards are affiliated with Visa or MasterCard, and you can use these cards in over 200 countries and territories worldwide. Many rewards cards also offer extra perks, such as complimentary rental car insurance. Compare your options to see which features work best with your lifestyle and spending habits.
    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.
    • How long is the 0% APR? Carefully confirm how long the 0% offer lasts. 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 the annual fee.
    • What are the other perks? Is there a rewards program, or can you earn bonus interest-free days if you pay your balance in full each month? Extra features like these can help you determine the true value of the card.
    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 long is the low APR period? Sometimes the low APR will only be in place for an introductory period (say, six to 12 months), whereas other cards 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 ends.
    • What are the other fees involved? Depending on the card, the low APR 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

    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.
    • 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 the promotional period lasts 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 or a lower rewards rate, you may find that these overshadow 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.

    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 pensioner loans, you can access this page.

        Here are the loan options that you can consider. You may also view this page for you to see some of the brands that consider pensioners for a loan.

        I hope this helps.

        Regards,
        Judith