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Best Credit Card Offers

The majority of the offers listed in the best credit card category come from credit card companies that have a reputation for treating their customers fairly. This quality is as important today as it was before the CARD Act. Other offers don't necessarily come from the best credit card companies, but do offer very good rewards programs or lengthy 0% rates, both of which can benefit you if utilized correctly.

Ultimately, however, the best credit card offer for you will be the one which either saves you the most money on interest or offers you the most opportunities to cash in with rewards. Below you can learn more about the best credit card offers and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.

Capital One® No Hassle Cash(SM) Rewards - Excellent Credit

2% cash back on gas and groceries
1% cash back on all other purchases
No limit on the cash you can earn and cash won't expire
Redeem cash rewards for statement credit, check or gift card
Get your cash back whenever you want, even set up automatic redemption
0% intro APR on purchases until August 2011
No foreign transaction fees
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% on purchases until August 2011	N/A	14.90% (V)	None	Excellent

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0%* for 6 months*	0%* for 12 months*	11.99% - 20.99% (Variable)*	None	Excellent

Capital One® VentureOne(SM) Rewards Credit Card

1.25 miles per dollar on every purchase, every day
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
Use rewards for travel, merchandise, gift cards and more
0% intro APR on purchases until August 2011
No foreign transaction fees
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% on purchases until August 2011	N/A	13.9% (V)	None	Excellent

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months on Purchases*	0% for 18 months on Balance Transfers*	11.99% - 19.99%* (Variable)	None	Good

Capital One® Platinum Prestige Credit Card

0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
0% intro APR until August 2011 on purchases
Transfer your higher-rate balances
$0 Fraud Liability if your card is lost or stolen
24-hour travel & emergency assistance gives you a replacement card and cash advance
24-hour roadside assistance
Travel accident insurance
No annual fee

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until August 2011	0% until August 2011	11.9% (V)	None	Excellent

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Choosing The Best Credit Card Offer

As noted above, there really is no single best credit card offer. However, some credit card companies are significantly better than others. Discover®, for example, consistently ranks second on J. D. Power's annual Credit Card Satisfaction survey. During the credit crunch, Discover® generated significantly less complaints than any other credit card company. Why? Because unlike the major banks, Discover® can't afford to damage its brand name. Consequently, I consider Discover® to be the best overall credit card company and, while you may run into a few situations where you cannot use a Discover® credit card, they are generally accepted at many more places than people believe.

If you're looking for the best MasterCard or Visa credit card offer the key factors to consider are interest rates and rewards. Many of the best Visa and MasterCard offers provide 0% rates for 12 months, long term rates in the low teens, and generous airline or cash back rewards. For people who carry a balance from month to month or currently have credit card balances, the key factor to look for is a 0% APR on balance transfers, followed by a low introductory rate.

If you pay your credit card in full every month, you can ignore introductory and long term interest rates and focus on rewards. While airline miles are extremely popular, cash back credit cards are often the best deal.

More on Choosing the Best Credit Card Offers

Finding the Best Credit Card Application: In my opinion, the best credit card offer is more about how you use your credit cards than anything else. Yes, choosing a good credit card company is important, but selecting a card that offers the right mix of benefits is the key to choosing a credit card wisely.

*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.