ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
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 fromour 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.

compare and apply

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!

Comparing 15 Offers

viewing

0-0 of 0

Discover it® Cash Back

apply now

on Discover's secure website

Rating 5.0

*See Terms

Citi Rewards+^® Card

apply now

on Citi's secure website

Rating 5.0

Rates & Fees

Discover it® Miles

apply now

on Discover's secure website

Rating 5.0

*See Terms

Wells Fargo Reflect^® Card

apply now

Rating 4.3

Rates & Fees

Capital One VentureOne Rewards Credit Card

apply now

on Capital One's secure website

Rating 5.0

Rates & Fees

Capital One Venture Rewards Credit Card

apply now

on Capital One's secure website

Rating 4.4

Rates & Fees

Citi Premier^® Card

apply now

on Citi's secure website

Rating 4.4

Rates & Fees

Discover it® Chrome

apply now

on Discover's secure website

Rating 5.0

*See Terms

Citi Double Cash^® Card

apply now

on Citi's secure website

Rating 4.5

Rates & Fees

Capital One QuicksilverOne Cash Rewards Credit Card

apply now

on Capital One's secure website

Rating 4.4

Rates & Fees

Capital One Platinum Credit Card

apply now

on Capital One's secure website

Rating 4.0

Rates & Fees

Discover it® Secured Credit Card

apply now

on Discover's secure website

Rating 4.5

*See Terms

Surge® Platinum Mastercard®

apply now

Rating 3.7

Group One Platinum Card

apply now

Rating 3.5

Applied Bank® Secured Visa® Gold Preferred® Credit Card

apply now

Rating 3.5

CREDIT CARD BASICS

CREDIT HISTORY

Excellent/Good

Excellent, Good

Excellent/Good

Excellent, Good

Excellent/Good

Excellent, Good, Fair

Average, Fair, Limited

New/Rebuilding

Bad, Fair, Good

Damaged/Fair

Poor/Fair/Limited/Damaged

DISCOVER

Mastercard®

DISCOVER

Visa®

Mastercard®

DISCOVER

Mastercard®

DISCOVER

Mastercard®

Horizon Card Services

Visa®

CARD CATEGORY

Consumer

ConsumerCard

Consumer

ConsumerCard

Consumer

BANK

Discover Card

Citibank^®

Discover Card

Wells Fargo Bank

Capital One

Citibank^®

Discover Card

Citibank^®

Capital One

Discover Card

Celtic Bank

Horizon Card Services

Applied Bank®

ISSUING COUNTRY

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

0% Intro APR (15 months)

N/A

See website for Details*

n/a

N/A

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% Intro APR (15 months)

0% (18 months)

N/A

10.99% Intro APR (6 months)

See website for Details*

n/a

N/A

REGULAR APR

17.24% - 28.24% Variable APR

18.74% - 28.74% (Variable)

17.24% - 28.24% Variable APR

18.24%, 24.74%, or 29.99% Variable APR

19.99% - 29.99% (Variable)

21.24% - 29.24% (Variable)

17.24% - 28.24% Variable APR

19.24% - 29.24% (Variable)

29.99% (Variable)

28.24% Variable APR

29.99% (Variable)

9.99% Fixed

See terms

Up to 29.99% (Variable)

See terms

None

Up to 29.99% (Variable)

See terms

Up to 29.99% (Variable)

None

See terms

See Terms*

n/a

N/A

See terms

N/A

25 days

See terms

25 days

See terms

See website for Details*

n/a

N/A

See terms

N/A

See terms

See Terms*

n/a

$0.50

FEES

APPLICATION PROCESSING FEE

See terms

Review terms

See terms

See Terms*

See website for Details*

None

ANNUAL FEE

$95

$39

$75 - $125

See website for Details*

$48

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

5% of each balance transfer; $5 minimum.

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).

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*

N/A

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 each cash advance; $10 minimum

Either $10 or 5% of the amount of each cash advance, whichever is greater.

5% of each cash advance; $10 minimum

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.

Either $10 or 3% of the amount of each cash advance, whichever is greater.

See website for Details*

Either $5 or 5% 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.

Up to $41

None the first time you pay late. After that, up to $41.

Review terms

Up to $40

Up to $41

None the first time you pay late. After that, up to $41.

Up to $41

Up to $40

None the first time you pay late. After that, up to $41.

Up to $41.00

See website for Details*

Up to $38

FOREIGN TRANSACTION FEE

None

3% of each transaction in U.S. dollars.

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. For example, if you earn 35,000 Miles, you get 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 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening.

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.

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

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—automatically.

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

—

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 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 $100 credit for Global Entry or TSA PreCheck®

Plus, for a limited time, earn a total of 10 ThankYou^® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases

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 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

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.

—

REDEMPTION OPTIONS

Redeem your rewards for cash at any time.

Redeem ThankYou^® Points for gift cards, travel rewards, shop with points and more^µ

Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.

—

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 ThankYou^® Points for gift cards, travel rewards, shop with points and more^µ

Redeem your rewards for cash at any time.

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.com^µ

Redeem your cash back for any amount.^µ

—

Redeem your rewards for cash in any amount.^µ

—

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 nationwide^µ

Extended Warranty: you’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card^µ

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year^µ

—

Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide^µ

—

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

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Receive up to a $100 credit for Global Entry or TSA PreCheck®^µ

—

OTHER FEATURES

GUARANTEED APPROVAL

RESPONSE IN 60 SECONDS

Yes

CREDIT BUREAU REPORTING

Yes

—

best credit cards for Every Customer
from Our Partners

The easiest and the fastest way to find a new credit card is to use credit card comparison websites, like Credit-Land.com, where different sorts of credit cards are gathered together in one place. The cards on such websites can be conveniently grouped based on different credit card features like 0% APR, no annual fee or rewards. But if you do not know where to start, here are three basic things to look at first:

Credit Score. It is the first thing that is considered by most of the issuers and banks when you submit your application for a credit card. If your credit score is below a certain threshold, you may be instantly denied. Therefore, it is important to pay your closest attention to recommended credit scores indicated for each card.
Goal. Since you are looking for a new card, you may need it for a particular purpose like credit building or balance transfer, everyday purchases or travel. If you haven't set your goals just yet, you can do it now. When you know what you need a credit card for, it will be easier to sift out unsuitable credit cards.
Benefits. When cards for your credit score are found and goals are set, you can now look at benefits. The set of available benefits will be different depending on your credit score. That's why perks and benefits should be considered at the end of your search. If you start hunting benefits in the first place, you may end up being turned down again and again and as a result can lower your credit score.