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Best 20 cards
updated on 1/3/2009
(Best offers are at the top)
Abbreviations: BT - balance transfer; APR - annual percentage rate; N/A - not applicable See all 32 cards here
Max. promo BT feePromo BT feePromo BT APRPromo period for BTs (months)Annual feePromo purchase APRPromo period for purchases (months)Regular purchase APR4Bank nameCard name
 NEW
Cashback annual estimate
or
rate5
Bonus6
Green links only
ReviewCard type
$0 0% 0% 6 $0 No promo No promo As low as 8.00% IberiaBank IberiaBank Visa® Gold Cash Back Rewards Card $276   Regular
$0 0% 1.99% 6 $0 0% 3 13.99% American Express TrueEarnings® Card from Costco and American Express $369 $25 Regular
$0 0% 9.99% 6 $452 2.90% 6 13.99% American Express Starwood Preferred Guest® Credit Card from American Express $400 $100 Regular
$99 3% 2.99% up-to 12 $0 0% up-to 12 As low as 10.99% American Express Blue from American Express® $275 $100 Regular
$99 3% 2.99% up-to 12 $0 0% up-to 12 As low as 11.99% American Express Blue Cash® from American Express $339   Regular
N/A 3% 0% 12 $0 0% 6 10.99% Discover Discover® More(SM) Card $443 $100 Regular
N/A 3% 0% 12 $0 0% 6 10.99% Discover Discover® Open Road(SM) Card $305   Regular
N/A 3% 0% until January 2010 $0 0% until January 2010 As low as 14.99% Capital One Capital One® Business Platinum with Preferred No Hassle Miles(SM) $330   Business
N/A 3% 0% 6 $0 0% 6 10.99% Discover Miles by Discover® Card $300 $100 Regular
N/A 3% 0% 6 $0 0% 6 12.24% Citibank Citi® mtvU™ Platinum Select® Visa® Card for College Students $225   Student
N/A 3% 3.99% 12 $0 3.99% 6 10.99% Discover Discover® Motiva(SM) Card   $100 Regular
No promo No promo No promo No promo $0 0% until January 2010 9.90% Capital One Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards $330   Regular
No promo No promo No promo No promo $0 0% until January 2010 9.90% Capital One Capital One® No Hassle Points(SM) Rewards - Excellent Credit $280   Regular
No promo No promo No promo No promo $0 0% until January 2010 9.90% Capital One Capital One® No Hassle Miles(SM) Rewards For Travel & Gas $310   Regular
No promo No promo No promo No promo $0 0% until January 2010 13.90% Capital One Capital One® No Hassle Cash(SM) Rewards - Good Credit $329   Regular
No promo No promo No promo No promo $0 0% until January 2010 13.90% Capital One Capital One® No Hassle Miles(SM) Rewards - Good Credit $330   Regular
No promo No promo No promo No promo $39 0% until January 2010 9.90% Capital One Capital One® No Hassle Miles(SM) Ultra-For Professionals $511   Regular
No promo No promo No promo No promo $0 0% 6 14.99% Discover Discover® Student Card - Tropical Beach $233   Student
No promo No promo No promo No promo $0 0% 6 14.99% Discover Discover® Student Card - Monogram Collection $233   Student
No promo No promo No promo No promo $0 0% 6 14.99% Discover Discover® Open Road(SM) Card for Students $233   Student
Max. promo BT feePromo BT feePromo BT APRPromo period for BTs (months)Annual feePromo purchase APRPromo period for purchases (months)Regular purchase APR4Bank nameCard name
 NEW
Cashback annual estimate
or
rate5
Bonus6
Green links only
ReviewCard type
1 - Balance transfer APR is valid only if the balance transfer is requested in credit card application
2 - First annual fee is waived
3 - We are not allowed to show you the maximal fee for balance transfers. However, we did take the fee into account when we sorted credit cards.
4 - Only the minimally possible APR is shown. Your rate will be determined by the bank based on your credit history, household income and other factors.
5 - Cashback annual estimate is a predicted value of cashback or gift cards that are available via credit card reward programs or reward exchange sites like Points.com and that, for regular credit cards, an average US family with typical annual expenses of ~$50,000 may receive by paying for a half of them with a credit card during the first year of card ownership. For business and student credit cards, we used typical spending patterns of an US retail trade business with credit card payable annual expenses of ~$35,000 and an US student budget with typical credit card payable annual expenses of ~$25,000 , respectively. While we tried make cashback calculations as accurate as possible, we provide absolutely no guarantees of prediction accuracy. We do not offer any rebates and can not guarantee that credit cards will pay you any rebates. Please be aware that credit card companies may change terms of their reward programs or even cancel them any time. Also, please note that we do not use rewards other than cashback or gift cards in our predictions even when other reward options are available. When reward earning options or/and reward redeeming options are not general enough or when information about a credit card reward program is not available to us, we display publicly available reward rate instead of annual cashback value. Please click on the orange links to learn how we did predictions for a particular card.
6 - You MUST click on the bonus value (green font) to access a bonus-specific application page. Please note that credit card terms (APR, balance transfer fee, etc.) for a bonus offer may or may not be the same as those shown on this site. You can verify card terms on the "Terms and conditions" web page linked to the credit card application.




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