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Best 20 cards
updated on 12/1/2008
(Best offers are at the top)
Abbreviations: BT - balance transfer; APR - annual percentage rate; N/A - not applicable See all 58 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% 3.99% up-to 6 $0 0% up-to 12 As low as 13.49% American Express Clear from American Express® $276   Regular
$0 0% 0% 6 $0 0% 6 APR varies. See card site for details Bank of America PetRewards® Platinum Plus® Visa® Credit Card Points
1 per $1
  Regular
$0 0% 1.99% 6 $0 0% 3 14.49% American Express TrueEarnings® Card from Costco and American Express $369 $25 Regular
$0 0% 2.9% 6 $0 2.90% 6 14.49% American Express Hilton HHonors® Platinum Credit Card from American Express $200 1 free hotel night Regular
$0 0% 9.99% 6 $452 2.90% 6 14.49% American Express Starwood Preferred Guest® Credit Card from American Express $400 $100 Regular
$99 3% 2.99% 12 $0 0% 12 As low as 11.49% American Express Blue from American Express® $275 $100 Regular
$99 3% 2.99% 12 $0 0% 12 As low as 12.49% American Express Blue Sky from American Express® Points
1 per $1
10% discount (5000 SkyPoints) on a Regular
$99 3% 2.99% 12 $0 0% 12 As low as 12.49% American Express Blue Cash® from American Express $339   Regular
N/A 3% 0% until January 2010 $0 0% until January 2010 As low as 9.99% Capital One Capital One® Business Platinum with No Hassle Miles(SM) $330   Business
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% until January 2010 $0 0% until January 2010 As low as 14.99% Capital One Capital One® Business Platinum with No Hassle Cash(SM) $431   Business
N/A 3% 0% up-to 12 $0 0% up-to 12 As low as 7.49% Citibank Citi® Platinum Select® MasterCard®     Regular
N/A 3% 0% up-to 12 $0 0% up-to 12 As low as 7.74% Citibank Citi® Diamond Preferred® Card     Regular
N/A 3% 0% 12 $0 0% 12 8.90% - 19.80% HSBC HSBC Platinum MasterCard® with Cash Back Rewards $276   Regular
N/A 3% 0% 12 $0 0% 12 8.99% - 17.99% HSBC HSBC Weekend Card® $356   Regular
N/A 3% 3.99% 6 $0 0% 12 13.99% Discover Discover® Business Card $408   Business
N/A 3% 3.99% 6 $0 0% 12 13.99% Discover Discover® Business Miles Card $300   Business
N/A 3% 0% until October 2009 $0 0% until October 2009 8.90% Capital One Capital One® Platinum Prestige     Regular
N/A 3% 0% until October 2009 $0 0% until October 2009 8.90% Capital One Capital One® Platinum Prestige - Visa®     Regular
N/A 3% 0% until October 2009 $0 0% until October 2009 12.90% Capital One Capital One® Platinum - Good Credit     Regular
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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