Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
Generous. 5% cash back on up to $1,500 in purchases for Online Shopping through December 2013 with free and easy sign-up. And 1% cash back on all other purchases.*
Human. 100% U.S.-based customer service available any time.
Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
*Click “Apply" to see rates, rewards free FICO® Credit Score terms and other information.
Since the economic downturn hit in 2008, banks and other lenders have restricted the amount of lending that they do overall, and they have also increased the requirements for credit card approval. The credit card market, like mortgages and other lending products, used to be more lax in the guidelines and requirements needed to get a card. In America, there is over 856 billion dollars in credit card debt owed, with an average debt per consumer of 15,325 dollars.
Thereâ€™s no such thing as a one-size-fits-all credit card. The value of the card pretty much depends on the one whoâ€™s using it. That said, some cards pack more value than others. Within, weâ€™ve listed the 10 best credit cards in 10 different categories.
Capital One has several credit card options depending on your needs.
Citibank offers consumer and student credit cards with great features such as cash back and savings...
With a Visa Card, you automatically get several benefits in addition to the benefits that may be available from the card issuer.
IBERIABANK credit cards are great balance transfer cards because they offer a low introductory APR for the first 6 billing periods.
Chase has several types of credit cards to choose from such as rewards, travel, cash back, 0% intro and business.
Discover offers several credit cards to both consumers and students that feature the Cashback Bonus rewards program.
MasterCard offers services that include easy bill pay, emergency assistance and safer online shopping.
First PREMIER® Bank
First PREMIER® Bank offers secured and unsecured, fee-based credit cards.