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    Good Credit

    If you have good credit, there are a wealth of credit cards available to you. Before you decide which one the best for your particular needs, you'll need to make some decisions. Do you want to carry a balance or pay off your debt in full each month? Do you want to transfer a balance from a credit card with a higher rate? Or do you want to earn rewards such as cash or frequent flier miles? Once you know the answers to these questions, you can apply for the credit card that meets your needs.

Chase Freedom® Visa $100 Bonus Cash Back + 0% Intro APR

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Chase Freedom® Visa $100 Bonus Cash Back + 0% Intro APR
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 6 months 11.99% - 22.99% Variable 12 months 3% ($5 min. ) Excellent

True Earnings(R) Card from Costco and American Express

  • American Express(R) Card and Costco Membership Card in one -- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about True Earnings(R) Card from Costco and American Express
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
6 months 15.24% Variable None 3% ( $5 max.) Good

TrueEarnings(R) Business Card from Costco and American Express OPEN

  • Get cash back—4% for annual gasoline purchases of up to $6,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • 0% introductory APR on purchases for the first 6 months
  • No introductory annual fee with your paid Costco Membership
  • Flexible payments - pay in full or over time


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about TrueEarnings(R) Business Card from Costco and American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
up to 6 months 15.24% Variable N/A N/A Excellent

The Plum Card(R) from American Express OPEN

  • The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about The Plum Card(R) from American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A N/A N/A N/A Excellent

Capital One® Orbitz® Visa® Platinum

This is a great card for travelers as it takes the hassle out of earning and redeeming points. Your points won't expire and there's no limit to how many you can earn. You can use your points for gift cards and name-brand merchandise. Earn three times your dollar spent on all eligible Orbitz.com bookings and one point per dollar on all other purchases. There are also bonus points on eligible Orbitz.com bookings.There is no annual fee and a lengthy introductory purchase APR. Downside: This card requires excellent credit.

Editor's Rating

5 out of 5

Learn more about Capital One® Orbitz® Visa® Platinum
Who uses this card?
This card is best for consumers with excellent credit that frequently travel using Orbitz and do not need to revolve a balance.

JetBlue Business Card from American Express OPEN

  • Earn 10,000 TrueBlue points toward JetBlue Travel with your first purchase
  • Jet for less — Oneway Award Flights start at 5K points and $2.50 taxes/fees
  • No blackout dates on JetBlue operated flights, so you can redeem points for any seat, anytime
  • Earn 1 TrueBlue point for every eligible dollar you spend


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about JetBlue Business Card from American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 15.24% Variable N/A N/A Good

Gold Delta SkyMiles(R) Business Credit Card from American Express OPEN

  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free-for up to 8 people on your reservation-on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz(R), OfficeMax(R), and more with OPEN Savings(R)


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Gold Delta SkyMiles(R)  Business Credit Card from American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
None N/A 15.24% - 19.24% Variable N/A N/A Good

Starwood Preferred Guest(R) Business Credit Card from American Express OPEN

  • Earn up to 25,000 Starpoints(R)– Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Starwood Preferred Guest(R)  Business Credit Card from American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 15.24% - 19.24% Variable N/A N/A Good

Capital One® VentureOneSM Rewards Credit Card

This card offers major rewards and more flexibility but without the annual fee. There is no limit to the miles you can earn and your miles won't expire. The credit card holder earns 1.25 miles per dollar spent on every purchase. There are no foreign transaction fees. There is a lengthy 0% introductory rate on purchases and then variable APR thereafter. There is no balance transfer fee. This card requires excellent credit.

Editor's Rating

5 out of 5

Learn more about Capital One® VentureOneSM Rewards Credit Card
Who uses this card?
This card is best for consumers with excellent credit that travel frequently, want flexibility, and plan to use the card overseas.

Citi Forward® Card

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou(R) Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable.
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
  • No Annual Fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi Forward® Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 7 months 12.99% - 22.99% Variable 12 months 3% ($5 min. ) Good

Capital One® VentureSM Rewards Credit Card

This card allows 2 miles per dollar on every purchase plus no limit to the miles you can earn, and miles won't expire. There are no foreign transaction fees and no balance transfer fee, balance transfer APR is based on your creditworthiness. Applicant must have excellent credit. There is a $0 intro annual fee for the first year; $59 after that.

Editor's Rating

5 out of 5

Learn more about Capital One® VentureSM Rewards Credit Card
Who uses this card?
This card is best for consumers with excellent credit that travel frequently, want flexibility, plans to use the card overseas, and spends enough to offset the annual fee.

Capital One® Cash

This card offers $100 bonus after you spend $500 in the first three months and 1% cash back on all purchases. There are no limits to cash back rewards and cash rewards won't expire. There is an auto redemption feature available. There is a lengthy 0% introductory APR for purchases and balance transfers. There is no annual fee. Downside: This card requires excellent credit defined as among other items, "never been more than 60 days late on a credit card, medical bill or loan payment."

Editor's Rating

5 out of 5

Learn more about Capital One® Cash
Who uses this card?
This card is best for consumers that have excellent credit, pay in full, and who want to maximize cash back for their spending.

Citi Thank YouSM Preferred Card - $150 in gift cards

  • $150 gift card - When you redeem the 15,000 bonus ThankYou(R) Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi Thank YouSM Preferred Card - $150 in gift cards
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 12.99% - 22.99% Variable N/A 3% ($5 min. ) Excellent

Capital One® Platinum Prestige Credit Card

This card offers and a lengthy introductory 0% purchase and balance transfer APR. There is a 3% balance transfer fee. This card is for individuals with an excellent credit history. There is a 24-hour travel and emergency assistance if your card is lost or stolen as well as 24-hour roadside assistance. There is also auto rental insurance. After the introductory 0% APR expires, the normal APR is about average for a card that does not offer rewards.

Editor's Rating

5 out of 5

Learn more about Capital One® Platinum Prestige Credit Card
Who uses this card?
This card is best for consumers with excellent credit looking to take advantage of a good 0% introductory offer.

LSU Tigers(TM) Platinum Mastercard® from Capital One®

I like that this card offers extra points on groceries and gas and that there are no point caps or expiration dates to worry about. I think the zero percent purchase introductory interest rate is also a pretty good deal. Just keep in mind that after that great introductory APR offer the rate will increase to a 13.90-19.90% variable rate. So, don't plan on making a habit of carrying a balance on this card--which is the general rule for rewards credit cards. The card design is great for loyal LSU fans.

Editor's Rating

5 out of 5

Learn more about LSU Tigers(TM) Platinum Mastercard® from Capital One®
Who uses this card?
This is a great card for loyal LSU fans that use their credit card to buy groceries and gas.

Chase Freedom® Visa $200 Bonus Cash Back

  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Chase Freedom® Visa $200 Bonus Cash Back
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
None N/A 15.99% - 22.99% Variable Yes 3% ($5 min. ) Excellent

MTV® Visa® Card from Capital One®

Build points on music, movies, food, and fun. The cardholder also earns bonus points for keeping an account open and in good standing. Then cash in on exclusive MTV rewards. The member earns 5 points per dollar spent on entertainment and 2 points per dollar spent on restaurants and another point per dollar on all other purchases. There are 25 bonus points each billing period you keep your account in good standing by paying on time. There is no annual fee and an extra long introductory 0% APR for purchases. Downside--a higher than average APR after the introductory period. There is also a high balance transfer rate.

Editor's Rating

5 out of 5

Learn more about MTV® Visa® Card from Capital One®
Who uses this card?
This card is best for consumers with excellent/good credit that spend a lot in entertainment categories.

Citi AT&T Universal Business Rewards Card

  • Designed for businesses with an established credit history
  • 0% APR on purchases for 6 months. After that,14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi AT&T Universal Business Rewards Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
6 months 14.24% Variable None 3% ( ) Good

The Business Platinum Card(R) from American Express OPEN

  • Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
  • 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
  • Complimentary airport club access, including American Airlines Admirals Club(R) lounges
  • Concierge service to assist with your business needs from gift giving to dinner reservations
  • Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club(R), Avis Preferred(R), and Emerald Club from National(R) Car Rental
  • The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
  • Enrollment in the Membership Rewards First(R) program
  • No pre-set spending limit*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

Learn more about The Business Platinum Card(R) from American Express OPEN
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A N/A N/A N/A Good

Sony Card from Capital One®

This card offers and a lengthy introductory 0% purchase APR. This card is for individuals with an excellent credit history who enjoy entertainment rewards. After the introductory 0% purchase APR expires, the normal APR is about average.

Editor's Rating

4 out of 5

Learn more about Sony Card from Capital One®
Who uses this card?
This card is best for consumers with excellent credit looking to take advantage of a good 0% introductory purchase APR offer.

Citi® Diamond Preferred® Card

  • 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.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R)
  • $0 liability on unauthorized purchases and Citi(R) Identity Theft Solutions
  • No annual fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi® Diamond Preferred® Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 18 months 11.99% - 21.99% Variable 18 months 3% ($5 min. ) Excellent

Citi® Platinum Select® MasterCard®

  • 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.
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi(R) Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi® Platinum Select® MasterCard®
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 18 months 11.99% - 21.99% Variable 18 months 3% ($5 min. ) Good

Starwood Preferred Guest(R) Credit Card from American Express

  • Starpoints(R) Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
  • Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
  • 2011 SmarterTravel(R) Award for "Best Travel Rewards Card"
  • $0 introductory annual fee for the first year, then $65


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Starwood Preferred Guest(R) Credit Card from American Express
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 15.24% - 19.24% Variable Yes 3% ($5 min. ) Good

Citi® Platinum Select® Visa Card®

  • 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
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi(R)Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

Learn more about Citi® Platinum Select® Visa Card®
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 18 months 11.99% - 21.99% Variable 18 months 3% ($5 min. ) Good

JetBlue Card from American Express

  • Get 10,000 TrueBlue(R) points with your first purchase
  • Get up to 8 TrueBlue(R) points per eligible dollar spent on jetblue.com
  • Get up to 6 points when you purchase a flight, and an additional 2 points when you use your JetBlue Card
  • Earn 1 point for every eligible dollar you spend anywhere else
  • There are no blackout dates on flights operated by JetBlue, so you can redeem points for any seat, anytime


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

Learn more about JetBlue Card from American Express
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
None None 15.24% Variable None 3% ($5 min. ) Good

Hilton HHonors® Card from American Express

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  • Earn 40,000 bonus points when you spend $750 in the first 90 days
  • Covers eligible purchases from theft, damage, and loss, up to $1,000 per occurrence, for up to 90 days
  • Enjoy complimentary Silver status for the life of your membership
  • You won't find blackout dates with Hilton HHonors. If a standard room is available, you can redeem points for it
  • Earn 6 HHonors Bonus Points for every eligible dollar you spend at Hilton Worldwide portfolio of brands
  • Earn 3 HHonors Bonus Points for every eligible dollar charged everywhere else

  • Note!  Do you know your credit score? Click here for free credit score offers.

    Editor's Rating

    4 out of 5

    Learn more about Hilton HHonors® Card from American Express
    Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
    None None 15.24% - 19.24% Variable None 3% ($5 min. ) Good

    Hilton HHonors® Surpass℠ Card from American Express

    • Earn Up To 60,000 bonus points
    • Earn 40,000 bonus with first purchase; Earn 20,000 bonus points when you spend $3,000 in the first 90 days
    • Rely on 24/7 emergency assistance worldwide
    • Earn 9 HHonors Bonus Points for every eligible dollar spent at participating Hilton Worldwide portfolio of brands
    • Earn 6 HHonors Bonus Points per dollar on everyday purchases at gas stations, drugstores, and more
    • Earn 3 HHonors Bonus Points for every eligible dollar charged everywhere else


    Note!  Do you know your credit score? Click here for free credit score offers.

    Editor's Rating

    4 out of 5

    Learn more about Hilton HHonors® Surpass℠ Card from American Express
    Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
    None None 15.24% - 19.24% Variable None 3% ($5 min. ) Good

    Capital One® SparkSM Classic for Business

    Editor's Review not available.

    Editor's Rating

    4 out of 5

    Learn more about Capital One® SparkSM Classic for Business
    Who uses this card?

    Slate® from Chase - No Balance Transfer Fee

    • No Balance Transfer Fee!*
    • 0% Intro APR for 15 months on purchases and balance transfers
    • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
    • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
    • Avoid interest on everyday purchases
    • Pay down your balance faster
    • Zero liability on unauthorized purchases*
    • No Annual Fee*


    Note!  Do you know your credit score? Click here for free credit score offers.

    Editor's Rating

    4 out of 5

    Learn more about Slate® from Chase - No Balance Transfer Fee
    Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
    0% 15 months 11.99% - 21.99% Variable 15 months None Excellent

    Chase Freedom® MasterCard - $200 Bonus Cash Back

    • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
    • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
    • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
    • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
    • No annual fee and rewards never expire


    Note!  Do you know your credit score? Click here for free credit score offers.

    Editor's Rating

    0 out of 5

    Learn more about Chase Freedom® MasterCard - $200 Bonus Cash Back
    Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
    N/A N/A 15.99% - 22.99% Variable N/A 3% ($5 min. ) Good

    Blue Cash Everyday℠ Card from American Express - $100 Cash Back Bonus

    • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
    • No annual fee, flexibility to pay over time
    • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
    • NO spend minimum, NO enrollment, and NO rotating rewards categories
    • Get a $25 Referral Bonus for each friend or family member who is approved for the Card


    Note!  Do you know your credit score? Click here for free credit score offers.

    Editor's Rating

    0 out of 5

    Learn more about Blue Cash Everyday℠ Card from American Express - $100 Cash Back Bonus
    Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
    0% 12 months 17.24% - 22.24% Variable N/A 3% ($5 min. ) Good
    We scour. You save
    Every day, we search the web to find the very
    best deals and money-saving tips. Then we
    send them right to you.
    Thank you!
    You are signed up to receive the latest deals, offers and tips!

    What is considered a good credit score?

    If you have been responsible with your credit cards, paid your bills on time and haven't taken on too much debt, credit card companies are eager to have your business. While exact credit score standards vary, in general, a credit score of 700 and above should put you in the category of someone with good credit. You can leverage that good credit into qualifying for the credit card offer that you want, such as a card with low interest, cash back rewards, frequent flier miles or a low balance-transfer rate.

    What kind of offers can I expect with a good credit score? >>

    What kind of offers can I expect with a good credit score?

    It will vary, which is why it's important to compare credit cards and what they offer. But some of the things you should expect include no annual fee; 0 percent interest for the first several months; and a lower variable interest rate after that. For instance, the interest rate on the Capital One No Hassle Cash Rewards - Excellent Credit card jumps to 12.9 percent, 16.9 percent or 20.9 percent after the 0 percent introductory rate, depending on your 3 bureau credit report. Those with the best credit rating get the lowest interest rate, while good credit scores would likely receive 16.9 percent or 20.9 percent.

    What kinds of rewards will these cards offer? >>

    What kinds of rewards will these cards offer?

    There's a rewards credit card to fit every customer. If you drive a lot, you can look for rebates on gas purchases, or if you fly often, you may want a card that adds to your frequent flier miles account every time you shop. Compare these cards not only by the way you earn rewards, but also by how easy it is to redeem rewards. Some credit card companies offer bonus points for using the card or even just for paying your bills.

    For instance, the Citi Forward credit card pays you five rewards points for every dollar you spend on restaurants and entertainment, and one point per dollar for all other purchases. You can earn 1,000 bonus points if you sign up for paperless statements and up to a 2 percent reduction in your purchase APR when you make a purchase, stay under your credit limit and pay your bill on time for three billing cycles.

    So what can I do with these rewards? >>

    So what can I do with these rewards?

    If you have a good credit score, look for a credit card that will return your rewards in a convenient way, such as in the form of a gift card, credit or check. You should be able to redeem them any time, either by phone, on a website or at a predetermined interval in which you get your cash back automatically.

    What other benefits should I look for? >>

    What other benefits should I look for?

    Free extended warranties on the products you purchase; travel accident insurance when you purchase your tickets with your good-credit credit card; auto rental insurance; travel assistance services, such as assistance with passports and immunizations; and no liability for unauthorized transactions on your card.


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