How to find the best credit card deals from our partners

By updated on September 15, 2014

There are about as many credit cards out there for consumers as there are banks and credit companies to issue them. Though getting the best credit card deals may require you to sift through volumes of credit card offers, finding the right one is not all that difficult if you know what to look for.

Does the credit card have an annual fee?

For some people with lower credit scores, an annual fee is unavoidable. Others with excellent credit ratings may find the best credit card deals with zero or low annual fees. Some cards, such as popular airline and travel rewards credit cards, charge high annual fees in exchange for the perks associated with those cards. Think about how you are going to use the card most, and what you are willing to pay for, before deciding which credit card best suits your needs.

Do the best credit cards have high annual percentage rates?

The annual percentage rate (APR) determines how much interest you pay on your principal balance. Don't underestimate its importance. Many people with less-than-perfect credit history are stuck with cards that have higher annual percentage rates, while those consumers with excellent credit and no blemishes on their credit report can find credit cards with a low-interest APR. Be aware of low "teaser" introductory rates that swing up to a much higher rate after a certain period of time because, once you account for that fact, it might not be your best credit card offer.

What are the penalties for late payments and other types of fees on the best credit cards?

When signing up for a credit card, consumers do not expect to make their payments late, but sometimes it happens. Late fees can be brutal on the pocketbook. The Credit Card Account, Responsibility and Disclosure (CARD) Act of 2009 was designed in part to curb excessive late fees, which now are capped at $25 unless there are several late payments in a six-month time span. Still, that is a significant penalty. Lastly, pay attention to all of the information listed in the terms and conditions, including payments for balance transfers from other cards or cash advances, to determine the best credit cards.

What type of credit card should I get?

Finding the best credit card deals depends largely upon credit history and planned use of the card. Travelers should look into rewards or frequent flyer credit cards, while business owners should research different types of business credit cards. There are many types of good credit card deals, but determing the best credit card depends on how consumers use the card.

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Blue Cash Preferred® Card from American Express

Editor's Rating

  • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Terms and restrictions apply.
Apply Now Credit Needed Excellent
X

Special Offer

Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.

Purchase Intro

APR: 0% on Purchases

Period: for 15 months

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$75 

Chase Sapphire Preferred®

Editor's Rating

  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
Apply Now Credit Needed Excellent
X

Special Offer

40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Annual Fee

Introductory Annual Fee of $0 the first year, then $95. 

Chase Freedom®

Editor's Rating

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
Apply Now Credit Needed Good
X

Special Offer

Get a $100 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories and unlimited 1% cash back on all other purchases, all with no annual fee.

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 15 months

Purchase APR

13.99% - 22.99% Variable

Annual Fee

$0 

Discover it®

Editor's Rating

  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Free FICO® Credit Score online and on monthly statements.*
Apply Now Credit Needed Excellent
X

Special Offer

N/A 

Purchase Intro

APR: 0% Intro APR on purchases

Period: 6 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0 

Barclaycard Arrival World MasterCard®

Editor's Rating

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
Apply Now Credit Needed Excellent
X

Special Offer

Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit

Purchase Intro

APR: 0% Intro APR on Purchases

Period: 12 months

Purchase APR

14.99% or 18.99% Variable

Annual Fee

$0 

Citi® Diamond Preferred® Card

Editor's Rating

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
Apply Now Credit Needed Excellent
X

Special Offer

N/A 

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

11.99% - 21.99%* Variable

Annual Fee

$0* 

Discover it® chrome

Editor's Rating

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
Apply Now Credit Needed Excellent
X

Special Offer

N/A 

Purchase Intro

APR: 0% Intro APR on purchases

Period: 14 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0 

Discover it® chrome BT

Editor's Rating

  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed*. 1% cash back on all your other purchases.
Apply Now Credit Needed Excellent
X

Special Offer

N/A 

Purchase Intro

APR: 0% Intro APR on purchases

Period: 6 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0 

Marriott Rewards® Premier Credit Card

Editor's Rating

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
Apply Now Credit Needed Excellent
X

Special Offer

Earn 50,000 Points after spending $1,000 on purchases in your first 3 months from account opening.

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Annual Fee

$0 Intro Annual Fee for the first year, then $85 

The Platinum Card® from American Express

Editor's Rating

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
Apply Now Credit Needed Excellent
X

Special Offer

Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

Purchase Intro

APR: N/A [You must pay your balance in full each month]

Period: N/A

Purchase APR

N/A [You must pay your balance in full each month] 

Annual Fee

$450 

Gold Delta SkyMiles® Credit Card from American Express

Editor's Rating

  • Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months.
  • Earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
Apply Now Credit Needed Excellent
X

Special Offer

Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months.

Purchase Intro

APR: none

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$0 intro annual fee for the first year, then $95 

Blue Sky from American Express®

Editor's Rating

  • Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward airline tickets, hotel stays and other type of travel.
  • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
Apply Now Credit Needed Excellent
X

Special Offer

Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.

Purchase Intro

APR: 0% on Purchases

Period: 15 months

Purchase APR

17.24% - 22.24% Variable

Annual Fee

$0