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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 impacts 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 14 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 Citi's secure website
Rating
4.5
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
New/Rebuilding
Excellent, Good, Fair
Average, Fair, Limited
Average, Fair, Limited
Poor/Fair/Limited/Damaged
See website for Details*
Bad
CARD TYPE
DISCOVER
DISCOVER
Visa®
Mastercard®
Mastercard®
Visa®
DISCOVER
DISCOVER
Mastercard®
Mastercard®
Mastercard®
Visa®
Mastercard®
Horizon Card Services
CARD CATEGORY
Consumer
Consumer
Consumer
ConsumerCard
Consumer
ConsumerCard
Consumer
Consumer
Consumer
ConsumerCard
ConsumerCard
Consumer
Consumer
Consumer
BANK
Discover Card
Discover Card
Wells Fargo Bank
Capital One
Citibank®
Capital One
Discover Card
Discover Card
Citibank®
Capital One
Capital One
Applied Bank®
Celtic Bank
Horizon Card Services
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
United States
RATES
INTRO APR ON PURCH
0% Intro APR (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 (15 months)
N/A
N/A
N/A
N/A
N/A
See website for Details*
n/a
INTRO APR ON BT
0% Intro APR (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
N/A
0% Intro APR (15 months)
10.99% Intro APR (6 months)
0% (18 months)
N/A
N/A
N/A
See website for Details*
n/a
REGULAR APR
17.24% - 28.24% Variable APR
17.24% - 28.24% Variable APR
18.24%, 24.74%, 29.99% variable APR
19.99% - 29.99% (Variable)
21.24% - 29.24% (Variable)
21.24% - 29.24% (Variable)
17.24% - 28.24% Variable APR
28.24% Variable APR
19.24% - 29.24% (Variable)
30.74% (Variable)
30.74% (Variable)
9.99% Fixed
29.99% (Variable)
0.00%
PENALTY APR
See terms
See terms
None
None
Up to 29.99% (Variable)
None
See terms
See terms
Up to 29.99% (Variable)
None
None
N/A
See Terms*
n/a
MINIMUM GRACE PERIOD
See terms
See terms
N/A
25 days
See terms
25 days
See terms
See terms
See terms
25 days
25 days
N/A
See website for Details*
n/a
MINIMUM INTEREST CHARGE
See terms
See terms
N/A
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
$0.50
See Terms*
n/a
FEES
APPLICATION PROCESSING FEE
See terms
See terms
Review terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
None
See Terms*
See terms
ANNUAL FEE
$0
$0
$0
$0
$95
$95
$0
$0
$0
$0
$39
$48
See website for Details*
See terms
BALANCE TRANSFER FEE
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
5%; min: $5
3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
5% of each balance transfer; $5 minimum.
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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).
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
N/A
N/A
See terms
CASH ADVANCE FEE
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Refer to Important Credit Terms
3% of the amount of the cash advance, but not less than $3
5% of each cash advance; $10 minimum
3% of the amount of the cash advance, but not less than $3
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Either $10 or 5% of the amount of each cash advance, whichever is greater.
5% of each cash advance; $10 minimum
3% of the amount of the cash advance, but not less than $3
3% of the amount of the cash advance, but not less than $3
Either $5 or 5% of the amount of each cash advance, whichever is greater.
Either $5.00 or 5% of the amount of each cash advance, whichever is greater.
See terms
LATE PAYMENT FEE
None the first time you pay late. After that, up to $41.
None the first time you pay late. After that, up to $41.
Review terms
Up to $40
Up to $41
Up to $40
None the first time you pay late. After that, up to $41.
None the first time you pay late. After that, up to $41.
Up to $41
Up to $40
Up to $40
Up to $38
Up to $41.00
$20
FOREIGN TRANSACTION FEE
None
None
3%
None
0%
None
None
None
3%
None
None
3% of each transaction in U.S. dollars.
3% of each transaction in U.S. dollars.
See terms
REWARDS
SPEND BONUS
UNLIMITED BONUS: Only 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.
INTRO OFFER: Unlimited Cashback Match – 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.
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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
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
INTRO OFFER: Unlimited Cashback Match – 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.
Unlimited Cashback Match - 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
N/A
N/A
N/A
N/A
EARNING REWARDS
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
No rewards
- 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
- 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 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®
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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- 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
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REDEMPTION OPTIONS
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Every $1 you earn in cash back is $1 you can redeem.
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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
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
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
Every $1 you earn in cash back is $1 you can redeem.
Redeem your rewards for cash in any amount.µ
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
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Redeem your cash back for any amount.µ
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ADDITIONAL BONUSES
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Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
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Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar yearµ
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REDEMPTION BONUS
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TRAVEL FEATURES
GLOBAL ENTRY / TSA PRE-CHECK
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—
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Receive up to a $100 credit for Global Entry or TSA PreCheck®µ
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IN-FLIGHT SAVINGS
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—
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—
—
—
—
—
—
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FREE CHECKED BAGS
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—
—
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—
—
—
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PRIORITY BOARDING
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—
—
—
—
—
—
—
—
—
—
—
—
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WI-FI CREDIT
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NO
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NO
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—
—
—
—
—
—
—
LOUNGE ACCESS
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—
—
—
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Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
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OTHER FEATURES
GUARANTEED APPROVAL
No
No
No
No
No
No
No
No
No
No
No
No
No
No
RESPONSE IN 60 SECONDS
No
No
No
No
No
No
No
No
No
No
No
Yes
Yes
Yes
CREDIT BUREAU REPORTING
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
CASH WITHDRAWAL LIMIT
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—
—
—
—
—
—
—
—
—
—
—
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DEPOSIT LIMIT
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—
—
—
—
—
—
—
—
—
—
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MINIMUM LOAN AMOUNT
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—
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—
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—
—
—
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MAXIMUM LOAN AMOUNT
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—
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—
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—
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—
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MINIMUM AGE OF A BORROWER
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