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ADVERTISING DISCLOSURE:
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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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As you surf the site, pick the credit cards or loans you like best and add them to this handy list that shows them to you side-by-side. Find your selected offers in the table below and review the features of each one. Weigh the pros and cons, choose your favorite, and apply - it's that simple!
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Comparing 13 Offers
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CREDIT CARD BASICS
CREDIT HISTORY
CARD TYPE
CARD CATEGORY
BANK
ISSUING COUNTRY
RATES
INTRO APR ON PURCH
INTRO APR ON BT
REGULAR APR
PENALTY APR
MINIMUM GRACE PERIOD
MINIMUM INTEREST CHARGE
FEES
APPLICATION PROCESSING FEE
ANNUAL FEE
BALANCE TRANSFER FEE
CASH ADVANCE FEE
LATE PAYMENT FEE
FOREIGN TRANSACTION FEE
REWARDS
SPEND BONUS
EARNING REWARDS
REDEMPTION OPTIONS
ADDITIONAL BONUSES
REDEMPTION BONUS
TRAVEL FEATURES
GLOBAL ENTRY / TSA PRE-CHECK
IN-FLIGHT SAVINGS
FREE CHECKED BAGS
PRIORITY BOARDING
WI-FI CREDIT
LOUNGE ACCESS
OTHER FEATURES
GUARANTEED APPROVAL
RESPONSE IN 60 SECONDS
CREDIT BUREAU REPORTING
CASH WITHDRAWAL LIMIT
DEPOSIT LIMIT
MINIMUM LOAN AMOUNT
MAXIMUM LOAN AMOUNT
MINIMUM AGE OF A BORROWER
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viewing
0-0 of 0
on Capital One's secure website
Rating
5.0
on Capital One's secure website
Rating
4.4
on Capital One's secure website
Rating
4.4
CREDIT CARD BASICS
CREDIT HISTORY
Excellent/Good
Excellent, Good
Excellent/Good
Excellent/Good
Excellent, Good
Excellent, Good
Excellent, Good, Fair
Excellent/Good
Average, Fair, Limited
Average, Fair, Limited
New/Rebuilding
Damaged/Fair
Bad, Fair, Good
CARD TYPE
DISCOVER
Mastercard®
DISCOVER
Visa®
Mastercard®
Mastercard®
Mastercard®
DISCOVER
Mastercard®
Mastercard®
DISCOVER
Horizon Card Services
Mastercard®
CARD CATEGORY
Consumer
Consumer
Consumer
Consumer
ConsumerCard
ConsumerCard
Consumer
Consumer
ConsumerCard
ConsumerCard
Consumer
Consumer
Consumer
BANK
Discover Card
Citibank®
Discover Card
Wells Fargo Bank
Capital One
Capital One
Citibank®
Discover Card
Capital One
Capital One
Discover Card
Horizon Card Services
Celtic Bank
ISSUING COUNTRY
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
United States
RATES
INTRO APR ON PURCH
0% Intro APR (15 months)
0% (15 months)
0% Intro APR (15 months)
0% intro APR for 21 months from account opening
0% intro on purchases (for 15 months)
N/A
N/A
0% Intro APR (6 months)
N/A
N/A
N/A
n/a
See website for Details*
INTRO APR ON BT
0% Intro APR (15 months)
0% (15 months)
0% Intro APR (15 months)
0% intro APR for 21 months from account opening on qualifying balance transfers
0% intro on balance transfers (for 15 months)
N/A
0% (18 months)
0% Intro APR (18 months)
N/A
N/A
10.99% Intro APR (6 months)
n/a
See website for Details*
REGULAR APR
18.49% - 27.49% Variable APR
17.99% - 27.99% (Variable)
18.49% - 27.49% Variable APR
17.49%, 23.99% or 29.24% Variable APR
19.74% - 29.74% (Variable)
19.99% - 29.74% (Variable)
18.49% - 28.49% (Variable)
18.49% - 27.49% Variable APR
29.99% (Variable)
29.99% (Variable)
27.49% Variable APR
0%
35.90% Fixed
PENALTY APR
See terms
Up to 29.99% (Variable)
See terms
None
None
None
Up to 29.99% (Variable)
See terms
None
None
See terms
n/a
See Terms*
MINIMUM GRACE PERIOD
See terms
See terms
See terms
N/A
25 days
25 days
See terms
See terms
25 days
25 days
See terms
n/a
See website for Details*
MINIMUM INTEREST CHARGE
See terms
See terms
See terms
N/A
See terms
See terms
See terms
See terms
See terms
See terms
See terms
n/a
See Terms*
FEES
APPLICATION PROCESSING FEE
See terms
See terms
See terms
Review terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See website for Details*
See Terms*
ANNUAL FEE
$0
$0
$0
$0
$0
$95
$0
$0
$39
$0
$0
See website for Details*
$75 - $125
BALANCE TRANSFER FEE
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
5%, min: $5
Balance transfer fee applies
Balance Transfer Fee applies to balances transferred at a promotional rate
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Balance Transfer Fee applies to balances transferred at a promotional rate
Balance Transfer Fee applies to balances transferred at a promotional rate
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
See website for Details*
See website for Details*
CASH ADVANCE FEE
Either $10 or 5% of the amount of each cash advance, whichever is greater.
5% of each cash advance; $10 minimum
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Refer to Important Credit Terms
5% of the amount of the cash advance, but not less than $5
5% of the amount of the cash advance, but not less than $5
5% of each cash advance; $10 minimum
Either $10 or 5% of the amount of each cash advance, whichever is greater.
5% of the amount of the cash advance, but not less than $5
5% of the amount of the cash advance, but not less than $5
Either $10 or 5% of the amount of each cash advance, whichever is greater.
See website for Details*
Either $10 or 3% of the amount of each cash advance, whichever is greater.
LATE PAYMENT FEE
None the first time you pay late. After that, up to $41.
See Terms
None the first time you pay late. After that, up to $41.
Review terms
Up to $40
Up to $40
See Terms
None the first time you pay late. After that, up to $41.
Up to $40
Up to $40
None the first time you pay late. After that, up to $41.
See website for Details*
Up to $41.00
FOREIGN TRANSACTION FEE
None
3%
None
3%
None
None
3%
None
None
None
None
See website for Details*
3% of each transaction in U.S. dollars.
REWARDS
SPEND BONUS
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
N/A
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
N/A
N/A
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.µ
N/A
N/A
EARNING REWARDS
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
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- Earn unlimited 1.25X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn unlimited 2X miles on every purchase, every day
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
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REDEMPTION OPTIONS
Redeem your rewards for cash at any time.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
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Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ
Redeem your rewards for cash at any time.
Redeem your cash back for any amount.µ
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Redeem your rewards for cash in any amount.µ
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ADDITIONAL BONUSES
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Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwideµ
Extended Warranty: you’ll get additional warranty protection at no charge on eligible items that are purchased with your credit cardµ
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Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwideµ
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwideµ
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REDEMPTION BONUS
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Get 10% Points Back on all of your redemptions for the first 100,000 ThankYou Points you redeem per year!µ
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TRAVEL FEATURES
GLOBAL ENTRY / TSA PRE-CHECK
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Receive up to a $120 credit for Global Entry or TSA PreCheck®
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IN-FLIGHT SAVINGS
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—
—
—
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FREE CHECKED BAGS
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PRIORITY BOARDING
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—
—
—
—
—
—
—
—
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WI-FI CREDIT
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NO
NO
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—
—
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LOUNGE ACCESS
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—
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OTHER FEATURES
GUARANTEED APPROVAL
No
No
No
No
No
No
No
No
No
No
No
No
No
RESPONSE IN 60 SECONDS
Yes
No
No
No
No
No
No
No
No
No
No
Yes
Yes
CREDIT BUREAU REPORTING
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
CASH WITHDRAWAL LIMIT
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