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

Credit Card Rates

The current average credit card rate is:

15.94%

More on current credit card interest rates...
Top 7 Credit Cards
Most popular / best credit cards according to IndexCreditCards.com visitors:
1. 1.
  
  Citi Platinum Select MasterCard - 0% on purchases & balance transfers for 6 months, APR as low as 11.99% variable
2. 2.
  
  Discover® Student Card** - 0% APR for 6 months. Earn 5% Cashback Bonus® on certain purchases. Interest Rate: 14.99% variable rate*.
3. 3.
  
  Starwood Preferred Guest® Credit Card from American Express - Earn points toward free nights at Westin, Sheraton, W, and other Starwood hotels
4. 4.
  
  Simmons First National Bank Visa Platinum - 7.25% variable interest rate (Excellent Credit Required)
5. 5.
  
  Citi Forward(SM) Card - 0% APR for 6 months on purchases and balance transfers.
6. 6.
  
  American Express® Preferred Rewards Gold Card - 10,000 American Express Membership Rewards bonus points when you use the card for at least $500 in purchases within the first 3 months.
7. 7.
  
  Chase Freedom Card - Get $50 Cash Back after your first purchase. 3% bonus cash back offers in categories like gas, home improvement and departmentstores. Full 1% Cash Back on every purchase - no spending tiers or caps on how much you can earn. Up to an additional 20% cash back at select merchants when you shop online through Chase.
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
- Citi PremierPass Card Elite - 20,000 bonus travel points after you've made over $600 in purchases with the card within 3 months.
- 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.
- Credit Card Rate Average Pushing 16%, at Four-Year High
  The average rate on consumer credit cards has jumped over a half-point since our last report in late September -- up to 15.94% from the 15.39% average reported previously -- and credit card rates are now at their highest average since we began tracking card rates in late 2005, a span of over four years. The latest rate jump comes on the heels of the previous month's increase of almost a half point, meaning average rates have jumped almost one full point since mid-August, and over 2 full points since March of this year.
- 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 $4,013 Per Adult, Over $7,861 Per Household
  Using government debt data and census data, IndexCreditCards.com has determined that the average American adult is carrying $4,013 in revolving debt (mainly credit card debt) and the average American household is carrying $7,861 in such debt. This is a slight decrease in debt when compared to our estimates in April, when average adult debt was $4150 and average household debt was $7900.
- 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

Discover® More(SM) Card**

0% APR for 6 months on balance transfers. See Details >>

Citi Forward(SM) Card

0% APR for 6 months on purchases and balance transfers. 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...

...other loan calculators...
Credit Card News
- Daily updates on the ever-changing credit card industry, including news on credit card introductions and credit card company / industry information.
- Credit Card Issuer Practices to Get Major Overhaul as President Obama Signs New Law
  President Obama on Friday signed into law a "Credit Cardholders Bill of Rights" that will constitute a major change in the way credit card issuers can treat their customers. In particular, issuers will lose the ability to increase interest rates "any time for any reason" as they have in the past. Many other common practices will also be curtailed or eliminated altogether. Among the major changes...
- Advanta to Cease Small Business Credit Card Lending
  Advanta Corp, which specializes in small business credit card issuance, has taken the drastic step of completely shutting down the issuance of credit beginning June 10. No new Advanta credit cards will be issued, and current Advanta customers will not be allowed to make further purchases with their cards. (Current customers will of course be liable for debts they've incurred.) While Advanta is leaving the door open to conducting business in the future, the new mode of operation will be to collect receivables from past customers and use that capital to pay off shareholders in Advanta's securitization trust.
- American Express Offers Double Points on Gas & Groceries for Charge Card Holders
  American Express last week announced a new perk for holders of its consumer charge cards -- double Membership Rewards points on gas and grocery purchases for the next year or so. (The program began March 22 and runs through March 15, 2010.) Double points can be earned on up to $1000 of gas and grocery purchases per month.
- New Citi Forward Card Rewards Cardholders for Good Behavior
  In what may be a sign of these tough financial times, Citi has launched a new credit card, the Citi Forward Card, that rewards cardholders for paying on time and staying beneath their credit limits.
- American Airlines to Only Accept Credit and Debit Onboard
  American Airlines announced today that it will begin to transition to a "cashless cabin" this summer during flights within the United States and to and from Canada. Flight attendants will only accept credit cards and debit cards for purchases of food and beverages, headsets, etc.
- more credit card news
Blog
- My Credit Card Offers - We check out the credit card offers from our mailbox today, and compare those mailed credit card applications to those on this site.
About our Expert
- Adam Jusko
  
  Adam Jusko, Founder of IndexCreditCards.com, can provide expert commentary on credit card trends and discuss industry-specific statistics and analysis in great detail. Adam's ability to research and quantify objective and time-sensitive data sets IndexCreditCards.com apart from the other card sites on the Web. Adam prides himself on delivering factual information about the changing credit climate to consumers and media alike.
  Read More >>
  
  Press Contact:
  Adam Jusko a.jusko@indexcreditcards.com
  216-221-0312