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ADVERTISING DISCLOSURE:
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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

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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
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 4.7
on Citi's secure website
Rating 5.0
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 4.4
on Capital One's secure website
Rating 4.4
on Capital One's secure website
Rating 4.7
on Capital One's secure website
Rating 4.3
on Discover's secure website
Rating 5.0
on Citi's secure website
Rating 4.3
on Capital One's secure website
Rating 4.7
on Citi'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, Good
Excellent/Good
Excellent, Good
Excellent, Good
Excellent, Good
Average, Fair, Limited
Excellent/Good
Excellent, Good
Average, Fair, Limited
Excellent, Good
Excellent, Good
Bad
New/Rebuilding
Limited History/No Credit/New to Credit
Bad/No
See website for Details*
Poor/Limited
Good
CARD CATEGORY
Consumer
Consumer
Consumer
Consumer
ConsumerCard
ConsumerCard
ConsumerCard
Consumer
Consumer
ConsumerCard
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
Consumer
BANK
Discover Card
Citibank®
Discover Card
Citibank®
Capital One
Capital One
Capital One
Discover Card
Citibank®
Capital One
Citibank®
Citibank®
Horizon Card Services
Discover Card
Citibank®
Applied Bank®
Celtic Bank
Applied Bank®
Scotiabank
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
Canada
RATES
INTRO APR ON PURCH
0% Intro APR (14 months)
0% (15 months)
0% (14 months)
N/A
N/A
0% intro on purchases (for 12 months)
N/A
0% (14 months)
0% (12 months)
N/A
N/A
N/A
n/a
N/A
N/A
N/A
See website for Details*
N/A
7.99% (6 months)
INTRO APR ON BT
10.99% Intro APR (14 months)
0% (15 months)
0% (14 months)
N/A
N/A
N/A
N/A
0% (14 months)
0% (21 months)
N/A
0% (18 months)
N/A
n/a
10.99% (6 months)
N/A
N/A
See website for Details*
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)
15.99% - 23.99% (Variable)
14.99% - 24.99% (Variable)
26.99% (Variable)
11.99% - 22.99% Variable APR
13.74% - 23.74% (Variable)
26.99% (Variable)
13.99% – 23.99% (Variable)
15.99% - 24.99% (Variable)
0.00%
22.99% Variable APR
22.49% (Variable)
9.99% (Fixed)
24.99% - 29.99% (Variable)
See terms
20.99%
FEES
APPLICATION PROCESSING FEE
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
See terms
None
See Terms*
See terms
See terms*
ANNUAL FEE
$0
$0
$0
$95
$95
$0
$0
$0
$0
$39
$0
$99, waived for first 12 months
See terms
$0
$0
$48
See website for Details*
See terms
$0
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)*
5% of each balance transfer; $5 minimum.
$0 at this Transfer APR
$0 at this Transfer APR
$0 at this Transfer APR
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
5% of each balance transfer; $5 minimum.
$0 at this Transfer APR
3% of each balance transfer; $5 minimum
3% of each balance transfer; $5 minimum
See terms
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
N/A
N/A
N/A
See terms*
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
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
Up to $40
$20
None the first time you pay late. After that, up to $40.
Up to $40
Up to $38
Up to $40.00
See terms
See terms*
FOREIGN TRANSACTION FEE
None
3%
None
0%
None
None
None
None
3%
None
3%
0%
See terms
None
3%
3% of each transaction in U.S. dollars.
3% of each transaction in U.S. dollars.
See terms
2.5%
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.
FOR A LIMITED TIME, 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
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 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 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.
N/A
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 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.
N/A
EARNING REWARDS
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • 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 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.
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
Earn unlimited 2X miles on every purchase, every day
Earn unlimited 1.25X miles on every purchase, every day
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 unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 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.
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
REDEMPTION OPTIONS
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.

Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more
Redeem cash back any amount, any time.
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and more
Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime. Transfer your miles to over 15+ travel loyalty programs
Redeem your cash back for any amount, any time.
Redeem your cash back for any amount, anytime.
Redeem cash back for a check, statement credit, direct deposit; or convert to points
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
No
No
Yes
No
No
Yes
Yes
Yes
No
CREDIT BUREAUS REPORTING
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No