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Best Credit Cards of 2014

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Which credit card will give you the biggest bang for your buck in 2014? Whether you want a card with the biggest rewards, the lowest interest rate, the best balance-transfer offer, or the newest security features, be sure there is a perfect card for you, no matter what you're looking for - the important thing is to look in the right place.

People with poor credit history and people with excellent credit scores are going to need different types of cards. Whatever your priority, life style or needs, it pays to choose the best credit card for your personal financial situation and Credit-Land.com shows you the best card for you.

Select Your Credit History:
limited/no credit
bad credit
fair credit
excellent/good credit
Don't know
Check this if you don't know your credit history. You'll see the best card offers independently of the credit history.
Please, enter Your Score between 0 and 850.
Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee

Best credit cards for Excellent/Good credit

Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Purchases and Balance Transfers for 14 months
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$03%±$0
Card Details:
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won´t raise your APR.±
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014. And 1% cash back on all other purchases.±
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you´re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.±
  • 0% Intro APR± on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • ±Click "Apply" to see rates, rewards, and free free FICO® Credit Score terms and other information.
Our Expert Opinion
  • Longest 0% intro period on purchases from Discover.
  • Does not charge overlimit fee.
  • The safety is guaranteed.

  • Charges a balance transfer fee.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 18 months
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$0263%$0
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Our Expert Opinion
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Transfer a Balance for 0% intro APR until July 2015
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(until
July
2015)
0%
(until
July
2015)
10.9% -
18.9% (V)
$03%See terms
Card Details:
  • Transfer a balance for 0% intro APR until July 2015.
  • Get 0% intro APR on all purchases until July 2015.
  • Enjoy no annual fee.
  • Get peace of mind with fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Fast and easy access, 24/7.
  • Rent a car using your card and get collision, damage, and loss insurance.
  • Feel secure with 24-hour roadside assistance.
Our Expert Opinion
  • No Foreign Transaction Fee.
  • Covers against online fraud.
  • Low balance transfer fee.

  • High penalty APR.
  • Must have good or excellent credit history.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases for 18 months
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$0263%$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 5% Earnings on your first $5,000 in purchases every year
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(12 months)
n/a11.9% -
19.9% (V)
$0noneSee terms
Card Details:
  • 5% Earnings on your first $5,000 in purchases every year.
  • 2% unlimited Earnings on purchases after that.
  • Redeem Earnings toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • Your Earnings don´t expire and there´s no limit on how much you can redeem.
  • For an even better value, stack your Earnings on top of your best agreed-upon price and most current GM offers.
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases.
  • No foreign transaction fees.
  • No annual fee.
Our Expert Opinion
  • Earn 5% annually on your first $5,000 in purchases.
  • Redeem earnings whenever you want - they never expire.
  • Redeem earnings toward your new General Motors vehicle.

  • No promotional period on balance transfer.
See card details
Excellent Credit

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Start with a $50 Cash Back Bonus after first Use
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(12 billing
cycles)
0%
(12 billing
cycles)
12.99% or
20.99% (Variable)
$04%$0
Card Details:
  • You can earn 10% or more cash back on eligible online purchases through Upromise.
  • Start with a $50 cash back bonus after first use.
  • Earn 4% back at thousands of participating Upromise dining restaurants.
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations.
  • Earn 2% cash back at eligible movie theaters.
  • Earn 1% cash back everywhere else.
  • No annual fee.
Our Expert Opinion
  • A Cash back credit card for everyone.
  • No annual fee credit card.
  • 0% introductory rates to maximize savings.

  • Balance transfer and cash advance are not free.
See card details

Best credit cards for Fair credit

Fair / Average Credit

Fair / Average Credit
This credit offer is for people with Fair / Average credit history.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a24.99% (Variable)$04%$0
Card Details:
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Expert Opinion
  • Extended rewards program.
  • No annual fee.
  • Use points like cash to make purchases.

See card details
Capital One® Card Finder Tool
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Find card offers you may be eligible for without affecting your credit score
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
See termsSee termsVarious RatesSee termsSee termsSee terms
Card Details:
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are - to help you prepare for what´s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
More details
Our Expert Opinion
  • Choose rewards program you prefer.
  • No risk to your credit score.
  • Get result in 60 seconds.

See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases until January 2015
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(until
January
2015)
n/a22.9% (V)$39$0See terms
Card Details:
  • 0% intro APR on purchases until January 2015.
  • 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.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
Our Expert Opinion
  • Customize card with your favorite pictures.
  • No foreign transaction fees.

  • Annual fee.
See card details

Best credit cards for Bad credit

Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Guaranteed $500 Unsecured Credit Limit
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a0.00%See termsSee terms$29.95
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Our Expert Opinion
  • Reports to a major credit bureau.
  • Fast online approval.
  • Unsecured credit limit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Any Credit (No Credit Check)

Any Credit (No Credit Check)
Required FICO score for this card: Any Credit (No Credit Check)
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Apply Now and Get a $500 Credit Line or More Today
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a0.0%$49See website$0 ($99 waived)
Card Details:
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • Offers 90 Day Cash Discount.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • $100 off $1200 or more (for a limited time) - Use Coupon Code: DEAL100. This will expire on 04/30/14.
Our Expert Opinion
  • Approval regardless your credit rating.
  • Get reward points for every dollar you spend.
  • No interest charge, ever.

  • For shopping at Tronix Country only.
See card details
Bad Credit

Bad Credit
Required FICO score for this card: 350 to 639
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a24.90%$0See website$0
Card Details:
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • We often say "YES!" when others say "No".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Our Expert Opinion
  • No Annual Fees.
  • No Application Fees.
  • No Over Limit Fees.
  • Quick approval.
  • Credit is available as soon as you´re approved.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details

Best credit cards for Limited/No credit

Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Start with no annual fee for the first year; $19 after that
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a24.9% (V)$0 intro for first year;
$19 after that
$0See terms
Card Details:
  • Start with no annual fee for the first year; $19 after that.
  • 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.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
Our Expert Opinion
  • Annual fee is waived for the first year.
  • People with average credit can be approved.
  • Chat online with customer service during application process.

  • No 0% promotional periods.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases until January 2015
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(until
January
2015)
n/a22.9% (V)$39$0See terms
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • No limit to the cash back you can earn.
  • Your cash back doesn´t expire.
  • 0% intro APR on purchases until January 2015.
  • 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.
Our Expert Opinion
  • Unlimited cash back for people with average credit.
  • Easy to redeem cash back at any time.
  • MasterCard benefits are included.

  • Annual fee.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a19.8% (V)$0$0See terms
Card Details:
  • Earn 1% cash back on every purchase, every month - and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus - that´s a total of 1.25% cash back.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Brighten your financial future with responsible credit use - and get rewarded along the way.
  • Fraud coverage if your card is lost or stolen.
  • There´s no limit to the amount of cash back you can earn, and rewards don´t expire.
  • Pick the monthly payment due date that works best for you.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
Our Expert Opinion
  • Tools that allow you to monitor your credit score for FREE.
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.

Best Credit Cards for Every Customer

When Credit-Land.com talks about the best credit cards available right now, we aren't just talking about the cards with the hottest offers, the lowest interest rates, or the sweetest rewards. Here at Credit-Land.com, we're selecting the best credit card for each of our customers - and that's not going to be the same card in every case. Our priority is to get you approved for the right card for you.

You have your own unique credit history and your own individual demands of a credit card. If we show you the most popular new card, but you can't get approved for it, we haven't helped you. Thats why Credit-Land.com will always tell you what level of credit is required for each card on our site - so know your credit history and think about whether a card is really right for you before you apply.

There's a card for every need - bad credit, good credit, business or personal. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place. Credit-Land.com is your guide to the best of the best, and the best card for you.

Every time you apply for a new credit card, an inquiry is made to your credit report and your credit can be affected. Use our tools to make sure you're applying for the right card and increase your chances of getting approved.

Our Experts about Best Credit Cards

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Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

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Questions & Answers about
Best Credit Cards

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Leo Zhu
Credit-Land Expert on Credit Cards

See also the Best Credit Cards for:

750-850
Credit Score
700-749
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640-699
Credit Score
350-639
Credit Score