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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card 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.

credit cardcomparison

As you surf the site, pick the credit cards you like best by clicking on a toggle to add them to the comparison. The cards you've picked will appear at the bottom of the screen. Simply click on the Compare button to get to the page with a comparison table where cards are shown side by side.

The table below shows the cards you've selected and allows you easily review main features of each card. If you are interested in specific benefits or terms, click on the 'Choose features to compare' link to select items for the comparison. To navigate between the cards in the table, click on the left or right arrow. As you compare the cards, you can remove the ones you do not like or add new cards to the comparison.
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Compare Top 19 Offers

Choose features to compare
CREDIT CARD BASICS
CREDIT HISTORY
CARD TYPE
CARD CATEGORY
BANK
ISSUING COUNTRY
RATES
INTRO APR ON PURCH
INTRO APR ON BT
ONGOING 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
INSTANT RESPONSE
CREDIT BUREAUS REPORTING
CASH WITHDRAWAL LIMIT
DEPOSIT LIMIT
MINIMUM LOAN AMOUNT
MAXIMUM LOAN AMOUNT
MINIMUM AGE OF A BORROWER
viewing
0-0 of 0
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 5.0
on Discover's secure website
Rating 4.7
on Citi's secure website
Rating 4.4
on Citi's secure website
Rating 4.3
on Discover's secure website
Rating 5.0
on Capital One's secure website
Rating 4.3
on Citi's secure website
Rating 4.7
on Capital One's secure website
Rating 4.7
on Discover's secure website
Rating 4.5
on Citi's secure website
Rating 3.8
CREDIT CARD BASICS
CREDIT HISTORY
Excellent/Good
Excellent
Excellent/Good
Excellent
Excellent
Excellent/Good
Average, Fair, Limited
Excellent
Average, Fair, Limited
Excellent/Good
Bad
Excellent
Bad / No
Bad/No
Fair/Bad
New/Rebuilding
Bad
Limited History/No Credit/ New-to-Credit
Poor/Limited
CARD CATEGORY
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
ConsumerCard
Consumer
ConsumerCard
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
BANK
Discover Card
Citibank®
Discover Card
Citibank®
Citibank®
Discover Card
Capital One®
Citibank®
Capital One®
SYNCHRONY BANK
Horizon Card Services
Citibank®
Capital Bank
Applied Bank®
Celtic Bank
Discover Card
Horizon Card Services
Citibank®
Applied 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
United States
United States
United States
United States
United States
United States
RATES
INTRO APR ON PURCH
0% (14 months on Purchases)
0% (15 months on Purchases)
0% (14 months on Purchases)
N/A
0% (18 months on Purchases)
0% (14 months on Purchases)
N/A
N/A
N/A
N/A
n/a
N/A
N/A
N/A
N/A
N/A
n/a
N/A
N/A
INTRO APR ON BT
0% (14 months on Balance Transfers)
0% (15 months on Balance Transfers)
10.99% (14 months on Balance Transfers)
N/A
0% (18 months on Balance Transfers)
0% (14 months on Balance Transfers)
N/A
0% (18 months on Balance Transfers)
N/A
N/A
n/a
N/A
N/A
N/A
N/A
10.99% (6 months on Balance Transfers)
n/a
N/A
N/A
ONGOING APR
11.99% - 22.99% Variable APR
13.49% - 23.49% (Variable)
11.99% - 22.99% Variable APR
15.99% - 23.99% (Variable)
14.74% - 24.74% (Variable)
11.99% - 22.99% Variable APR
26.99% (Variable)
13.99% – 23.99% (Variable)
26.99% (Variable)
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
0.00%
15.99% - 24.99% (Variable)
17.39% (variable)
9.99% (Fixed)
25.90% - 29.99% (Variable)
22.99% Variable APR
0.00%
22.49% (Variable)
See terms
FEES
APPLICATION PROCESSING FEE
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
N/A
See terms
See terms
See Terms
None
See Terms*
See terms
See terms
See terms
See terms
ANNUAL FEE
$0
$0
$0
$95
$0
$0
$0
$0
$39
$0
See terms
$99, waived for first 12 months
$35
$48
$75 - $99
$0
See terms
$0
See terms
BALANCE TRANSFER FEE
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3% of each balance transfer; $5 minimum
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
3% of each balance transfer; $5 minimum.
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
$0
3% of each balance transfer; $5 minimum
$0
$5 or 5%
See terms
3% of each balance transfer; $5 minimum
N/A
N/A
N/A
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
See terms
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
N/A
LATE PAYMENT FEE
None the first time you pay late. After that, up to $40.
Up to $40
None the first time you pay late. After that, up to $40.
Up to $40
Up to $40
None the first time you pay late. After that, up to $40.
Up to $40
Up to $40
Up to $40
See terms
$20
Up to $40
Up to $38
Up to $38
Up to $40.00
None the first time you pay late. After that, up to $40.
$20
Up to $40
See terms
FOREIGN TRANSACTION FEE
None
3%
None
0%
3%
None
None
3%
None
None
See terms
0%
3%
3% of each transaction in U.S. dollars.
3% of each transaction in U.S. dollars.
None
See terms
3%
See terms
REWARDS
SPEND BONUS
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.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
UNLIMITED BONUS: Only Discover will automatically match 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.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
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.
New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
N/A
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.
EARNING REWARDS
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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.
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • NEW! Earn 3 Points at Restaurants and Supermarkets
  • Earn 3 Points at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
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% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
  • “You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.“
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
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.
REDEMPTION OPTIONS
Redeem cash back any amount, any time.
You can redeem ThankYou® Points for things like gift cards or for travel rewards
New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more
Redeem your cash back for any amount, any time.
Redeem cash back for a check, statement credit, direct deposit; or convert to points
Redeem your cash back for any amount, anytime.
Use your miles for award travel on American Airlines. Plus, redeem miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages
Redeem your rewards for cash in any amount.
TRAVEL FEATURES
OTHER FEATURES
GUARANTEED APPROVAL
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
INSTANT RESPONSE
No
No
No
No
No
No
No
No
No
No
Yes
No
No
No
Yes
No
Yes
No
Yes
CREDIT BUREAUS REPORTING
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
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:

  1. 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.
  2. 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.
  3. 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.

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