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When you're thinking about getting a new credit card, you're probably going to see
many credit card offers for accounts bearing the logo of a number of well-known
financial institutions.
One of the most common card issuers you'll probably come across in your search for
the perfect credit card application for you is MasterCard, which is one of the most
trusted payment processors in the world. MasterCard has been at the top of its field
for more than four decades and helps to issue cards for more than 24,000 financial
institutions across the globe.
Therefore, if you come across a credit card offer bearing the familiar MasterCard
logo, you will be able to rest assured knowing that you would be getting an account
that can be extremely beneficial to you. More...
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%
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10.9% - 18.9% (V)
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$0
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Type:
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Low Interest, Balance Tra ...
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Rank:
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#1 MasterCard, #2 Low In ...
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Credit Needed: Excellent |
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- 0% intro APR until August 2014 on balance transfers
- 0% intro APR until August 2014 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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CCA In-House Review & more
info |
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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N/A
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15.99% or 24.99% (Variable)
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$89
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Type:
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Balance Transfer, Reward, ...
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Rank:
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#2 MasterCard, #4 Balanc ...
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Credit Needed: Excellent |
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- Earn up to 40,000 bonus miles on qualifying transactions
- EXCLUSIVE: Redeem flights for 5,000 fewer miles
- Zone 2 boarding on every flight
- Enjoy 2 miles per $1 spent on US Airways purchases
- Earn 1 mile per $1 spent everywhere else
- Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
- First Class check-in
- Please see terms and conditions for complete details
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CCA In-House Review & more
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%
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14.99%-24.99% (Variable)
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$0
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Type:
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Low Interest, 0% APR, Rew ...
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Rank:
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#3 MasterCard, #4 Cash B ...
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Credit Needed: Excellent |
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- Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
- 0% Introductory APR for 12 months on purchases
- No annual fee
- Earn 2 points per $1 on gas, grocery, and utility purchases
- Earn 1 points per $1 everywhere else
- Use the points you earn like cash to pay for almost any purchases you've made.
- No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
- This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts
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CCA In-House Review & more
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%
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14.99%-18.99% (Variable)
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$0
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Type:
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Low Interest, 0% APR, Rew ...
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Rank:
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#4 Airline , #4 MasterCa ...
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Credit Needed: Excellent |
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- Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
- 0% introductory APR on 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 purchases and 1X miles on all other purchases
- No mileage caps and no foreign transaction fees
- Get 10% miles back when you redeem for travel (e.g. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!
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CCA In-House Review & more
info |
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%
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14.99%-18.99% (Variable)
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$89, waived for 1st year
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Type:
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Low Interest, 0% APR, Rew ...
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Rank:
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#3 Points Rewards , #5 M ...
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Credit Needed: Excellent |
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- Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
- 0% introductory APR on 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 all purchases
- No mileage caps and no foreign transaction fees
- Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!
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CCA In-House Review & more
info |
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%*
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12.99% - 21.99%* (Variable)
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$0*
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Type:
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Low Interest, Balance Tra ...
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Rank:
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#1 Citi , #6 MasterCard, ...
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Credit Needed: Excellent |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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CCA In-House Review & more
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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N/A
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8.00% (Variable)
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$0
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Type:
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Low Interest, Balance Tra ...
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Rank:
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#6 Balance Transfer , #7 ...
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Credit Needed: Excellent |
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- A low 8% variable APR on balance transfers and purchases
- No Annual Fees
- No Balance Transfer Fees - start saving immediately!
- Choose your card benefits and features
- Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
- Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
- Learn more about personal finance from Barclaycard and other members
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CCA In-House Review & more
info |
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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0%*
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11.99%-21.99%* (Variable)
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$0*
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Type:
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Low Interest, Balance Tra ...
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Rank:
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#3 Citi , #5 Credit Qual ...
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Credit Needed: Excellent |
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- 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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CCA In-House Review & more
info |
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Intro Purchase Apr |
Regular Apr |
Ann.Fee |
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N/A
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24.9% (V)
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$0
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Type:
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Reward, Cash Back, Airlin ...
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Rank:
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#6 Credit Quality Fair, ...
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Credit Needed: Fair |
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- A card designed to help those new to the U.S. establish credit and earn cash back
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
- Get 2% cash back on travel purchases
- Earn 1% cash back on all other purchases
- No foreign transaction fees
- No annual fee
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CCA In-House Review & more
info |
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However, to find your best deal there are a few steps you should take before
you apply for any credit card.
Assess your current credit cards.
If you're looking for any type of new credit card, you should first determine where
you stand on the ones you have.
Taking a close look at your last few months' worth of statements will help you determine
a number of things that will be critical to your future accounts. This includes
the current balance you carry, how much you pay into it every month, the size of
the interest charges you face on each bill, any annual fees you incur just for maintaining
your account, and so forth.
These will be critical in helping you to determine the costs you may face on your
new account, and perhaps even allow you to better understand exactly what kind of
new card you need.
Are you carrying a large balance?
For consumers who carry a large credit card balance already, it may be a good idea
to seek
balance transfer credit cards. This type of account will carry a very low
interest rate, usually one as small as 0 percent, for the first six, 12 or 18 months,
and therefore allows you to reduce your balance more quickly by not adding to it
with additional charges.
These cards usually come with a small fee for any balance transfer - about 3 percent
on average - and therefore that added cost will be something you will have to consider.
Moreover, if you're getting one of these cards, you might want to plan on not spending
any additional money on it, as the introductory rate may not always apply to purchases.
Do you pay off you balance monthly?
Many consumers are very diligent about trying to keep their balances to a minimum,
and some even make sure they are paid off in full at the end of every month.
For these people, it might be a good idea to seek the best
rewards credit card that grants them some sort of benefit for every dollar
they spend. By doing so, they can make their cards more affordable because they
do not face any added interest charges. Of course, these cards also generally come
with an annual fee, which can make it more difficult to afford, so you'll have to
figure out if you earn enough in rewards based on your current spending habits to
surpass the added cost.
If you rarely use your card
Some consumers like having a credit card they can use for an emergency only, and
for those people, a
no annual fee credit card can be ideal. However, you might also want to
be careful that prolonged periods of inactivity don't take place, otherwise the
account could be canceled by the lender.
Whatever your needs, compare before you apply.
Fortunately, the advanced tools at CreditCardApplications.com greatly reduce the
time it will take to identify the top credit card programs for your situation. We
have pages for all major categories of credit cards and a Credit Card Search Engine
that let’s you describe yourself by answering a few simple questions. We then present
you with a comprehensive list of the credit cards best suited to Your situation.
Our online applications make approvals fast, so spend a little time doing research
to ensure you love your new credit card.
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