How to find the best credit card deals from our partners

By updated on November 24, 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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Chase Freedom® - $200 Bonus

Editor's Rating

  • For a limited time, earn a $200 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
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
Apply Now Credit Needed Good
X

Special Offer

For a limited time, get a $200 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 

Blue Cash Preferred® Card from American Express

Editor's Rating

  • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
Apply Now Credit Needed Excellent
X

Promotional Offer

Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months. You will receive $100 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 

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* 

Chase Sapphire Preferred® Card

Editor's Rating

  • Earn 40,000 bonus points when you spend $4,000 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

Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Annual Fee

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

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
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
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: N/A

Purchase APR

14.99% or 18.99%* Variable

Annual Fee

$0 

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

Promotional 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 

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

Promotional 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 

American Express® Premier Rewards Gold Card

Editor's Rating

  • Earn 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
Apply Now Credit Needed Excellent
X

Promotional Offer

Earn 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.

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

Introductory annual fee of $0 for the first year, then $175 

British Airways Visa Signature® Card

Editor's Rating

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • NEW: $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
Apply Now Credit Needed Excellent
X

Special Offer

You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.

Purchase Intro

APR: N/A

Purchase APR

15.99% Variable

Annual Fee

$0 Intro Annual Fee The First Year, Then $95 

PenFed Premium Travel Rewards American Express® Card

Editor's Rating

  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points on airfare purchases
  • Earn 1 point on all other purchases
Apply Now Credit Needed Excellent
X

Special Offer

20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account

Purchase Intro

APR: N/A

Purchase APR

9.99% Variable

Annual Fee

$0 

NFL Extra Points Credit Card

Editor's Rating

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
Apply Now Credit Needed Average/Fair
X

Special Offer

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit

Purchase Intro

APR: N/A

Purchase APR

14.99%, 19.99% or 24.99%* Variable

Annual Fee

$0