The offers we feature are categorized in a number of ways throughout this site: Primarily by Type and by Issuer to allow you to specifically apply credit card information of a particular niche or brand of card to your unique needs.
We feature both prime and subprime cards and have a wealth of information on a number of other areas at ths site to help you inform yourself about matters of personal credit and making the right choices.
Apply For a Credit Card by Type:
0% Credit Cards:
The best cards with 0% introductory apr rates. Generally such teaser rates are for 6 or 12 months. These cards are for consumers with good to excellent credit. Different credit scoring systems define this in differing ways, but in general, it is agreed that a score of 700 or above is in this range[1]. It's important to distinguish between accounts offering these teaser rates for purchases and those offering them for balance transfers....or a combination of both. We have more on Balance Transfer Credit Cards here.
Apply for a Credit Card for Free:
These are no fee cards and are geared towards consumers with good to excellent credit. No fee cards are in particular demand in these times because of the weak economy.
Credit Cards for Students:
These are geared to consumers with limited or no histories. They are not subprime cards. Indeed, a number of them feature excellent rates and rewards combinations intended to build a relationship between the issuing company and the young person learning the ropes of managing personal credit. We have commented more fully on Student Cards here.
Business Credit Cards:
Many rewards selections for small businesses and also for corporations. A number of these are quite versatile and you can apply credit card rewards across a number of professional and business services and products. Such flexible rewards are now increasingly common. It is however very difficult to find subprime products such as secured cards in this category.
Apply for Credit Card Rewards:
We have a rich selection of rewards cards for various product and professional niches. These days, a number of issuers are offering versatile rewards programs that give benefits across a range of categories rather than merely focusing on one. These flexible rewards offers also target prime consumers.
Gas Rebate Cards:
One of the most popular categories. The benefits of these are clear and very much in demand in these times. Gas rebate cards can offer substantial savings in personal expenses. We have a number of offers which have excellentl reviews by consumers. We discuss Gas Cars here and can reccommend Pump and Save's extensive informational site for more research into these.
Bad Credit Credit Cards:
This is a controversial category. As a rule we only reccommend subprime consumers apply for credit card accounts of secured type. Unsecured plastic for consumers with pooor credit is a minefield of high interest rates, hidden fees and fly by night issuers who dissappear as companies making contacting them and solving problems very difficult. We have discussed this in more detail on our Credit Cards for Bad Credit Page.
Secured Credit Cards:
As just noted, these we can reccommend for consumers needing to rebuild their credit. The offers here are from major banks and issuers and the rates and fee structers on offer are competitive. We have delved into the characteristics and advantages of this category of plastic in other articles here. In particular, note that these are distinct from Prepaid Cards, although both require prior deposits before use. More in our article on Secured Credit Cards vs Prepaid Cards.
Apply For a Credit Card Card by Issuer:
HSBC Bank Cards:
HSBC Bank USA, N.A., the US subsidiary of the HSBC Holdings plc. issues cards under the Orchard Bank, Household and HSBC brands. You can click directly to a specific account application or else use their customizing feature which walks you through the process of applying and selects a choice best suited to your needs.
DiscoverCard:
Although it is not quite as ubiquitous as Visa and masterCard, DiscoverCard scores very highly in user reviews, with its main cards accross personal and business platforms. One of the best rewards plans available.
Amex Rewards Cards:
Another selective company offering products only to prime consumers. aste selection with a rich diversity of accounts across personal and business niches.
We have several articles onsite to help those who are new to the use of plastic apply for a credit card in an informed manner. To begin with, our introductory article Choosing the Right Credit Card breaks down key attributes and terminology one must be familiar with.
