Top 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 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
Merit Platinum Card
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Intro - Purchases
Intro - Balance Transfer
N/A
Regular APR
0% APR
Annual Fee
See website for Details*
Credit Needed

Top Credit Cards for Average Credit

Loans Under 36%
  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes

Top Credit Cards for Bad Credit

Surge Mastercard® Credit Card
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad/Poor

Related Offers

Loans Under 36%
  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes

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.