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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 33 cards here
Annual feePromo BT APRPromo period for BTs (months)Promo purchase APRPromo period for purchases (months)Promo BT feeMax. promo BT feeRegular purchase APR4Bank nameCard name
 NEW
Cashback annual estimate
or
rate5
Bonus6
Green links only
ReviewCard type
$0 2.99% 12 0% 12 3% $99 As low as 12.49% American Express Blue Sky from American Express® Points
1 per $1
10% discount (5000 SkyPoints) on a Regular
$0 2.9% 6 2.90% 6 0% $0 14.49% American Express Hilton HHonors® Platinum Credit Card from American Express $200 1 free hotel night Regular
$0 0% 12 No promo No promo 3% N/A 9.99% / 15.99% Bank of America Ducks Unlimited WorldPoints® Platinum Plus® Visa® Card $262 Free Cobra 2 Way Radios Regular
$0 No promo No promo 2.99% 6 No promo No promo 13.99% / 15.99% Citibank Citi® Hilton HHonors® Visa® Signature Card $100 2 free hotel nights Regular
$0 No promo No promo 0% 6 No promo No promo As low as 13.99% First National Bank of Omaha World of Warcraft Platinum Edition Visa® Card Points
1 per $1
Free month of World of Warcraft Regular
$0 1.99% 6 0% 3 0% $0 14.49% American Express TrueEarnings® Card from Costco and American Express $369 $25 Regular
$0 0% 15 No promo No promo 3% N/A Between 9.99% and 19.99% Bank of America Bank of America Visa Signature® WorldPoints™ Rewards $262 $25 Regular
$0 0% 12 No promo No promo 3% N/A 9.9% / 15.99% Bank of America Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card Cashback
1%
$25 Regular
$0 No promo No promo 0% 12 No promo No promo 7.99% Citibank CitiBusiness® Card   $25 Business
$0 0% 15 No promo No promo 3% N/A Between 9.99% and 19.99% Bank of America Bank of America WorldPoints® Platinum Plus® MasterCard® $262 $50 Regular
$0 0% 15 No promo No promo 3% N/A Between 9.99% and 19.99% Bank of America Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card $326 $50 Regular
$0 0% 12 No promo No promo 3% N/A 9.99% / 15.99% Bank of America NFL Extra Points™ Platinum Plus® Visa® Card Points
1 per $1
$50 Regular
$0 0% 12 No promo No promo 3% N/A Between 9.99% and 19.99% Bank of America Bank of America Accelerated Rewards™ American Express® Card $288 $50 Regular
$0 0% 12 No promo No promo 3% N/A 9.99% / 15.99% Bank of America NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card Points
1 per $1
$50 Regular
$0 0% 12 0% 6 3% N/A 10.99% Discover Discover® More(SM) Card $443 $50 Regular
$0 0% 12 No promo No promo 3% N/A 9.99% / 15.99% Bank of America Major League Baseball® Extra Bases™ Credit Card $185 $80 Regular
$0 2.99% 12 0% 12 3% $99 As low as 11.49% American Express Blue from American Express® $275 $100 Regular
$0 No promo No promo 0% 12 No promo No promo 9.99% Citibank CitiBusiness® Card with ThankYou® Network $425 $100 Business
$0 0% up-to 12 No promo No promo 3% N/A As low as 10.99% Citibank Citi PremierPass® $350 $100 Regular
$0 0% 6 0% 6 3% N/A 10.99% Discover Miles by Discover® Card $300 $100 Regular
Annual feePromo BT APRPromo period for BTs (months)Promo purchase APRPromo period for purchases (months)Promo BT feeMax. promo BT feeRegular 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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