Credit Card Approval Center


Finding the Best Student Credit Card
There are several great credit cards for college students, which include cash back credit cards and credit cards with zero introductory interest.

If you are a student in college take the time now and find the best credit card for your needs.

Compare Student Credit Card offers and apply online today.

February Featured Credit Card

Citi® Platinum Select® MasterCard®


Citi® Platinum Select® MasterCard®


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All Major Bank Credit Cards with Online Applications

Compare the Best Credit Card Offers and Apply Today


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Using the menu on the left,
select the type of credit card
you are interested in.
Compare
Compare bank credit cards
to determine which card
best suits your needs.
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Apply for the credit card of
your choice by completing
a secure online application.
 


Best Credit Card Offers - Editor's Choice

BEST CREDIT CARD - BALANCE TRANSFER

Citi® Platinum Select® MasterCard®


Apply Online for This Credit Card

  • 0% Intro APR on balance transfers and purchases for 21 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%*
for 21 months on balance transfers and purchases* 		0.00*
for 21* 		11.99%-21.99% (Variable)%* $0* Excellent Credit**

BEST CREDIT CARD - CASH BACK

Chase Freedom® Visa - $100 Bonus Cash Back


Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations from 10/1/11 - 12/31/11
  • You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%
for 6 months on purchases* 		0%
for 12 months on balance transfers* 		11.99%-22.99%(Variable)%* $0* Excellent*

BEST CREDIT CARD - REWARDS

American Express(R) Premier Rewards Gold Card


Apply Online for This Credit Card

  • Membership Rewards(R) bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
  • No annual fee for your first year - a $175 savings
  • Get approved in 60-seconds.
Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
N/A N/A N/A* See Terms* Excellent*

BEST CREDIT CARD - LOW INTEREST

Discover® More Card


Apply Online for This Credit Card

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 11.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 11.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%*
for 6 months* 		0%*
for 18 months* 		11.99%-20.99% (Variable)%* None* Excellent*


FINDING THE BEST CREDIT CARD FOR YOUR NEEDS

Are you in the elusive hunt to find the best credit card? There are literally hundreds of different credit cards available. There is no one best credit card for everyone. Each credit card offers different advantages, and each individual has different needs. You have to be willing to spend some time and sort through the numerous offers and compare several of the cards to be sure you find the best credit card for you and your particular needs.

When trying to choose the right credit card, you need to be sure to factor in other information in addition to the rewards available. Many cards charge extremely high interest rates in order to compensate for the rewards they offer. When comparing the various bank credit cards, you need to consider the interest rate and fees charged and not focus entirely on the rewards you may be able to earn.

Finding a Well Balanced Mix:
The best credit card offers should have a well balanced mix of attractive interest rates, fees and rewards that make sense for each individual cardholder. When you find the right credit card for your needs it should allow you to utilize the rewards program to your full advantage, earning airline miles, cash back, gift cards or any number of alternative rewards.

In order to choose the best credit card, one also needs to be aware of the requirements for accumulating and redeeming any rewards being offered. Some cards may require minimum spending limits to enjoy the maximum rewards. If you will normally not be spending enough to take advantage of the maximum rewards the card has to offer - this card may not be the one best suited to your needs. Always read terms and conditions before applying.

Zero Percent Interest Credit Cards:
Many customers are lured by an offer of zero percent interest for 12 months or more, or other special offers that make the cards appealing to the masses. When sitting down to do a comparison of the various bank credit cards, there are things you need to consider.

Zero percent interest offers on purchases and/or balance transfers are excellent deals. However, the introductory zero percent interest rate will eventually come to an end. Before applying for an account, consumers should always be aware of what the interest rate will be on the credit card once the promotional period ends.

Credit Card Applications  SELECT CREDIT CARD BY ISSUING BANK . .
  American Express American Express offers a variety of credit cards and charge cards. Cards offer American Express membership rewards, balance transfers, airline mileage rewards, hotel guest rewards and much more.
* Excellent Credit required for American Express Cards
 
  Chase Bank Chase Bank offers several credit cards for consumers. Cards offer cash back, reward points, airline miles, balance transfers and more.
* Good to Excellent Credit required for Chase Bank Cards
 
  CitiBank CitiBank offers credit cards for consumers, as well as credit cards for students. Cards offer cash back, reward points, airline miles, balance transfers and more.
* Good to Excellent Credit required for Citi Cards
 
  Discover Card Discover Card offers a variety of credit cards for consumers, as well as student credit cards. Cards offer reward points, cashback bonus, airline rewards, 0% Introductory APR, balance transfers and more.
* Good to Excellent Credit required for Discover Cards
 
  HSBC HSBC offers credit cards for good credit, as well as credit cards to build or re-build your credit.
* Credit Cards available for Good Credit or Poor Credit
 

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* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information.
However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card
terms and conditions on the issuer's website.

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