How to Apply for a Credit Card

1. Search by Type of Credit Card using the menu on the left...or 2. Compare Credit Cards by APR, Rating, and more... 3. Pay attention to our Star Ranking System and Detailed Reviews 4. Apply for the Card of your choice by filling out an easy Online Application

For People with Good Credit Citi® Platinum Select® MasterCard® Compare Cards Intro APR APR (Purchases) Annual Fee 0% APR for up to 12 Months As low as 11.99% V $0.00

For 0% Balance Transfers Citi® Platinum Select® MasterCard® Compare Cards Intro APR APR (Purchases) Annual Fee 0% APR for up to 12 Months As low as 11.99% V $0.00

Pre-paid Credit Card AccountNow® Prepaid Visa® Compare Cards Intro APR APR (Purchases) Annual Fee No Introductory Rate Available NA $ 0.00

Cash Rewards Card Discover® More(SM) Card Compare Cards Intro APR APR (Purchases) Annual Fee 0% Intro APR* As low as 11.99% $0.00

Airline Rewards Credit Card Platinum Delta SkyMiles® Credit Card from American Express Compare Cards Intro APR APR (Purchases) Annual Fee 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. 14.50% $150.00

Types of Credit Cards & Definitions

• Regular Credit Cards: These are the traditional credit cards. They give you a specific credit limit based on your financial history and then charge you an annual percentage rate on your outstanding balance.
  
  
• Charge Cards: These credit cards require you to pay your balance in full each month, as opposed to paying off the debt over a period of time.
  
  
• Rewards Cards: A Regular Credit Card with "bells and whistles". As an incentive to use the card, you are provided certain rewards depending on how much you charge. These rewards can range from a cash rebate to air travel rewards or benefits at particular retailers. There are many variations and combinations available.
  
  
• Business Credit Cards: For business owners and sometimes employees. These are good if you need to separate business from personal expenses. They are basically a Regular credit card but may also have Rewards features.
  
  
• Poor Credit: A regular credit card designed for people with a poor credit history. May have a lower credit limit and assorted special fees. Look for cards that report regularly to the major U.S. credit bureaus so you can develop an improved history profile.
  
  
• Pre-Paid: Mainly designed for young adults, these credit cards differ from a Regular credit card in that you deposit money up front and this becomes your credit limit. As you deposit or "reload" the card, you can continue to charge. These credit cards are actually more like a debit card and may have various assorted fees associated with them.
  
  
• Secured: Somewhat similar to Pre-Paid credit cards, Secured credit cards are designed for building credit. They require a security deposit that ranges from 50-100% of the credit limit and are often provided to cardholders by a bank prior to providing an unsecured, "Regular" credit card.
  
  
• Catalog: Designed for those with bad credit who are looking to rebuild their credit, Catalog credit cards can only be used for purchases from specific catalogs and/or websites. They have easier approval requirements, often times not requiring credit checks or employment verifications.
  
  
• Student Cards: For college students who have no credit history. Works like a Regular credit card but usually have lower limits. They may also have rewards credit card characteristics with unique rewards such as discount shopping at "trendy" stores, music and movie discounts, and even theme park admissions.