Top 50 Credit Card Offers

Welcome to CreditCard321.com, your quick and easy guide to credit cards. Our website has served as a leading online review of credit card offers since 2004, helping millions of consumers research the ideal card to fit their financial needs. Below you'll find today's Top 50 credit card offers as reviewed and ranked by our staff. Use the menu on your left to sort by feature, issuer, and the credit rating you'll need for approval.
Advertiser Disclosure
Capital One® Platinum Credit Card
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited *
Credit One Bank® Platinum Visa® Rewards Card
  • Get Pre-Qualified without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
  • Pick your payment due date to fit your schedule
  • Automatic reviews for credit line increase opportunities
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
Credit Needed
Fair Credit *
Capital One® QuicksilverOne® Cash Rewards Credit Card
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro - Purchases
0% until November 2016
Intro - Balance Transfer
0% intro on balance transfers until November 2016
Regular APR
23.24% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited *
Capital One® VentureOne® Rewards Credit Card
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until February 2017; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Intro - Purchases
0% until February 2017
Intro - Balance Transfer
N/A
Regular APR
12.24% - 22.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good *
First PREMIER® Bank MasterCard® Credit Card
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • MasterCard's new chip technology makes an already secure card, even safer.
  • A Top 20 Issuer of MasterCard Credit Cards
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process! 
  • Application response in 30 seconds.
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro - Purchases
N/A*
Intro - Balance Transfer
N/A*
Regular APR
See Website*
Annual Fee
See Website*
Credit Needed
Bad / Fair Credit *
Matrix MasterCard® Credit Card
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit) All credit types welcome to apply!
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
*See Terms
Annual Fee
*See Terms
Credit Needed
Bad/Poor *
BankAmericard Cash Rewards™ Credit Card
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
Intro - Purchases
0% for 12 billing cycles
Intro - Balance Transfer
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
13.24% - 23.24% Variable APR on Purchases and Balance Transfers
Annual Fee
$0
Credit Needed
Excellent/Good *

Top Credit Cards for Average Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro - Purchases
0% until November 2016
Intro - Balance Transfer
0% intro on balance transfers until November 2016
Regular APR
23.24% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited *
Credit One Bank® Platinum Visa®
  • Automatic reviews for credit line increase opportunities
  • Get Pre-Qualified without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Pick your payment due date to fit your schedule
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
Credit Needed
Fair Credit *

Top Credit Cards for Bad Credit

First PREMIER® Bank MasterCard® Credit Card
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • MasterCard's new chip technology makes an already secure card, even safer.
  • A Top 20 Issuer of MasterCard Credit Cards
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process! 
  • Application response in 30 seconds.
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro - Purchases
N/A*
Intro - Balance Transfer
N/A*
Regular APR
See Website*
Annual Fee
See Website*
Credit Needed
Bad / Fair Credit *

Related Offers

Experian
  • Get Your FICO Score and Experian Credit Report for $1
  • 90% of Top Lenders Use FICO Scores
  • Access Best In Class Resources
  • Personalized Customer Service
  • Dedicated Fraud Resolution Agents
3ClickLoan - Quick Cash - Up to 10,000 dollars!
  • Loans from $100 - $10,000+
  • Flexible repayment options!
  • 24/7 Application Processing
  • Get your cash as fast as tomorrow
UnitedStatesCredit.com - Personal Loans $100 - $35,000
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Get cash in as little as 24 hours.
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
  • Bankruptcy is NO problem!
OneMain Financial
  • OneMain Financial offers personal loans to fit your needs
  • Fixed rates and clear terms
  • Risk free, 14 day guarantee
  • Money same day, if approved by noon

Share Your Feedback

Since 2004 our site has helped more than 5 million online visitors research credit card offers, but now we're asking for your help. Do you have a comment or suggestion for making our site even better? We want your feedback! Please contact us and let us know what you think. For more information on the best credit card offers (news, advice, and more) we encourage you to visit CreditCards.org. Like our site, its consumer-first focus makes the site a leading voice in the credit card industry.