Credit Cards & Card Applications. The MOST Credit Card Offers online! 1,200+Cards

Credit Card Rates

The current average credit card rate is:

16.79%

More on current credit card interest rates...
Top 7 Credit Cards
Most popular / best credit cards according to IndexCreditCards.com visitors:
1. 1.
  
  Chase Freedom® Visa - $100 Bonus Cash Back Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months, 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum.
2. 2.
  
  Discover® More Card- 0% APR on balance transfers for full 15 months & full 6 months on purchases, 5% cashback bonus in popular categories, up to 1% cashback bonus on all other purchases
3. 3.
  
  Citi^® Platinum Select^® MasterCard^® - 0% Intro APR on Purchases for 12 months and 0% Intro APR on Balance Transfers for 18 months. Then the APR will be 11.99%-19.99% variable rate*.
4. 4.
  
  Chase Freedom® Visa - $50 Bonus Cash Back - Earn $50 Bonus Cash Back after first purchase. 0% Intro APR and no Annual Fee, 5% cash back offers in popular categories, Full 1% Cash Back on everything else
5. 5.
  
  Discover® More® Card - $75 Cashback Bonus®5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall, Unlimited cash rewards that never expire
6. 6.
  
  Chase Sapphire^SM Card - Earn $100 in rewards - that's 10,000 bonus points after your first purchase, Redeem points for travel, gift cards, merchandise, cash back and more
7. 7.
  
  Blue Cash® from American Express - When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase, No Annual Fee, 0% Intro APR for 6 months on purchases
Special Credit Card Deals / Bonuses
- True Earnings® Card from Costco and American Express - 3% cash back for gas, 3% for restaurants, 2% for travel, 1% everywhere else
- AmEx Starwood Preferred Guest Credit Card - Signup Bonus of 10,000 points you can redeem for $100 store gift card or use for travel rewards after your first purchase.
- MORE... Credit Card Deals
Complete Credit Card List
1,225 credit cards listed, including...
Click here for complete credit card list.
Free Online Credit Score

It is recommended that you know your credit score when looking for credit cards. An excellent credit score is often required to obtain the best credit cards. You can instantly get your free credit scores online.

Get Your Free Credit Score Instantly Online and Get The Card That Meets Your Needs
Credit Card Smarts
Basic credit card information to help you manage your finances.
- Read the Fine Print When Choosing a Rewards Credit Card
  Like getting cash back, frequent flyer miles, or other rewards when you use your credit card? If so, check the fine print on card offers to make sure you're getting what you think you're getting. Here are seven tips to keep in mind when searching for a credit card that pays you back.
- Transfer Balance, Then Put That Card Down! The Balance Transfer Catch That Can Cost You Plenty
  Balance transfer offers are attractive and can be a very good deal, especially if no balance transfer fees are attached. BUT, they're only a good deal if you transfer your balance and then put the new card away.
- You Can Pay Taxes By Credit Card; Here's Why You Shouldn't
  Thinking of racking up airline miles or getting cash back by paying your taxes with a rewards credit card? Think again, because you'll pay more in fees than you'll earn in rewards.
- When Are Charge Cards Better Than Credit Cards?
  A credit card allows you to make purchases on credit, and allows you to revolve your credit balance, while a charge card requires you to pay off the full balance every month. Credit cards offer greater flexibility, so why do some people choose charge cards such as traditional American Express cards?
- How to Get Your Free Credit Report
  Every consumer is legally entitled to a free yearly check of his or her credit reports. Here's how to get yours.
- How to Opt Out of Credit Card Offers
  Want to stop credit card offers from showing up in your mailbox? Here are two ways to stop the offers, or at least slow them down:
- Using Virtual Credit Cards in the Fight Against Identity Theft
  If you worry about identity theft, virtual credit cards may give you peace of mind.
- Anatomy of a Credit Card Application
  A line-by-line review of a typical credit card application tells you what credit card issuers hope to see from you.
Credit Card Statistics
Original research from IndexCreditCards.com.
- One year after the first batch of rules from the Credit CARD Act went into effect, overall consumer credit card rates remained perched at 16.79 percent, almost two percentage points above the year-ago average, according to the latest survey by IndexCreditCards.com.
  Rates for all types of credit cards remained stable since the last survey two weeks ago, except for business credit cards (non-reward), which rose to 14.47 percent from 13.75 percent, and business reward credit cards, which dropped to 15.74 percent from 15.92 percent. Any drop in rates is good news for entrepreneurs who rely on credit cards to finance capital and help with cash flow. With commercial bank lending tight, credit cards are an important financing tool for many small-business owners.
- Survey Finds Wide Variance in International Credit Card Transaction Fees
  With business travel having become increasingly global in nature, IndexCreditCards.com researches the major U.S. credit card issuers to discover the extra fees cardholders can expect when using their cards overseas.
- Average Credit Card Debt $3,752 Per Adult, $7,394 Per Household
  Using government debt data and census data, IndexCreditCards.com has determined that the average American adult is carrying $3,752 in revolving debt (mainly credit card debt) and the average American household is carrying $7,394 in such debt. This is a significant decrease since our last report in July of 2009, when the average credit card debt per adult was estimated at $4,013, and the average per household was $7,861. As recently documented in the media, credit card usage has gone down, both as a result of credit card companies actively shedding customers, and consumers themselves shying away from taking on debt due to the economy.
- Credit Card Late Fees Average $34.35, Over-the-Limit Fees Average $36.74
  Our latest survey of credit card fees finds the average credit card late fee at $34.35, while the average over-the-limit fee is $36.74. Using data from a cross-section of major and minor card issuers, IndexCreditCards.com found that late and over-the-limit fees ranged from $0 to $39. However, most nationwide issuers charged between $29 and $39 in both categories, with certain smaller issuers a bit more lenient.

Featured Credit Cards

Chase Freedom® Visa - $100
Bonus Cash Back

Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months, 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. See Details >>

Discover® More Card

0% APR on balance transfers for full 15 months & full 6 months on purchases, 5% cashback bonus in popular categories, up to 1% cashback bonus on all other purchases
See Details >>

Credit Card Categories
Low Interest Credit Cards:
- Low Interest Credit Cards - Credit cards with low APR on an ongoing basis. Ranked by lowest published interest rate, with introductory offers, balance transfer rates and annual fees factored in where rates are equivalent. Includes online credit card applications.
- 0% Balance Transfer Credit Cards - The best credit cards offering zero percent balance transfers, ranked by length of balance transfer offer. Interest rates, introductory APR offers, balance transfer fees and annual fees factored in when balance transfer rates are equivalent. Apply online.
- 0% Introductory Offer Credit Cards - Compare the best credit cards offering a zero percent introductory APR, with cards ranked by length of introductory period. Interest rates, balance transfer rates, and annual fees factored in when introductory rate terms are equivalent. Apply online.
Rewards Credit Cards:
- Cash Back Credit Cards - Credit cards offering cash rebates on every purchase. Ranked by percentage of cash back per purchase.
- Gas Credit Cards - Credit cards offering cash back rebates on gasoline purchases.
- Rewards Credit Cards - Credit card rewards programs offering merchandise, gift certificates, travel rewards, cash back options, and other goods and services.
- Travel Credit Cards - Credit cards offering frequent flyer miles and/or other travel rewards with each use. Includes airline credit cards, hotel credit cards, and combination travel rewards credit cards.
  Also: Hotel Credit Cards
- Automotive Credit Cards - Credit cards with rewards and rebates toward specific automobile manufacturer vehicles, parts and merchandise.
Bad Credit Credit Cards:
- Unsecured Credit Cards - Credit cards for people with poor credit, but good enough to still be eligible for limited unsecured credit lines.
- Secured Credit Cards - Credit cards for people with bad credit that require some sort of deposit for approval. Most cards listed report to credit reporting agencies, potentially helping you reestablish credit.
Student Credit Cards:
- Low Interest Student Credit Cards - Student credit cards with low ongoing interest rates. Ranked by lowest published rate, with introductory offers, balance transfer rates and annual fees factored in where rates are equivalent.
- Student Credit Cards with Rewards - Student credit cards offering reward programs, including all cash back, reward program, travel / airline mile, and other programs.
Business Credit Cards:
- Low Interest Business Credit Cards - Business credit cards with low ongoing interest rates. Ranked by lowest published rate, with introductory offers, balance transfer rates and annual fees factored in where rates are equivalent.
- Business Credit Cards with Rewards - Business credit cards offering reward programs, including all cash back, reward program, travel / airline mile, and other business rewards.
- MORE... Business Credit Cards
Specific Credit Card Companies / Types of Credit Cards:
- American Express Credit Cards - Comparison of both consumer and small business American Express card offers.
- Citi Credit Cards - Listing of Citibank credit cards, including branded Citi credit cards for consumers and Citi business credit cards, plus partner/affinity credit cards issued by Citibank.
- Discover Credit Cards - Listing of Discover Card options, including credit cards issued directly from Discover Bank and Discover credit cards issued by banks on the Discover Network.
- MORE... Credit Card Companies
Specific Frequent Flyer Credit Cards:
- Delta Airlines Credit Cards - Compare the many American Express credit cards offering Delta Airlines SkyMiles or SkyPoints.
- MORE... Airline Credit Cards
Credit Card Calculators

How long will it take to pay off my credit card?

How much could I save with a lower interest credit card?

...more credit card calculators...

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Credit Card News Blog
- Daily updates on the ever-changing credit card industry, including news on credit card introductions and credit card company / industry information.
- Student credit cards--still hard lessons to be learned
  This year, for the first time, parents can send their kids off to college knowing that the Credit CARD Act will prevent them being preyed upon by ruthless credit card companies. Oh, if only that were true. >>Read More
- Credit card companies--some still gouging
  Those who had hoped that last year's Credit Card Accountability, Responsibility and Disclosure Act (Credit CARD Act) would stop issuers from gouging their customers may be disappointed. Although the law has reined in some of the industry's worst excesses, there are still nakedly predatory credit card companies out there. >>Read More
- Credit card rewards--plus customer satisfaction
  The debate about whether airline miles in credit card rewards programs represent good value is complicated by airlines that sell bonus miles. Are they a good idea or not? Also, J.D. Power and Associates names the two credit card companies that consumers like best. >>Read More
- Credit card use--what's really happening?
  There are plenty of statistics around about credit card use and debt. The trouble is, some of them tell only part of the story. But a new report from the Federal Reserve provides a clearer picture. >>Read More
- Credit card regulation--new rules start Sunday
  A new raft of rules comes into effect Sunday that should further protect consumers from the worst excesses of certain credit card companies. What are they, and are they a good thing? >>Read More
- more credit card news
About our Expert
- Dr. Mary Ann Campbell
  
  Dr. Mary Ann Campbell, CFP® was named by Money magazine as one of America's 200 best Certified Financial Planner® Practioners. She currently teaches personal and family finance at the University of Central Arkansas and is an experienced on-air television and radio personality who specializes in business and financial reporting. Her greatest joys are being a wife, mother, and especially a grandmother.
  Read More >>
  
  Press Contact:
  mac@indexcreditcards.com
  650-578-6880

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