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Review Credit Cards

Updated: 9/3/2010

These are the credit cards our research team has found to be the best in their category.
To apply for more than one card, visit SpareCredit.com.

	Low Introductory Credit Cards
	Discover® More Card- Black 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 9 months, then the Regular APR 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	9 Mo.*	11.99% - 20.99% (Variable)*	None	Yes

	Low Interest Credit Cards
	Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	12 Mo. on Purchases*	11.99% - 19.99%* (Variable)	None	Yes

	Cash Back Credit Cards
	Discover® MotivaCard Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 3.99% intro APR on purchases for a full 12 months, then the Regular APR

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	3.99*	12 Mo.*	11.99% - 20.99% (Variable)*	None	Yes

	Balance Transfer Credit Cards
	Discover® More Card - $75 Cashback Bonus 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	0*	6 Mo.*	11.99% - 20.99% (Variable)*	None	Yes

	Instant Approval Credit Cards
	American Express(R) Gold Card Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100! The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards. Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide. Express Approval. Get a decision in 60 seconds.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	n/a	n/a	n/a	$125	No

	Easy Approval Credit Cards
	Orchard Bank Classic MasterCards An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly! Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment On-call customer service representatives to assist you with questions or concerns

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Fair	n/a	n/a	7.90% - 28.90%	See Terms*	Yes

	Rewards Credit Cards
	TrueEarnings(R) Card from Costco and American Express Earn cash back on gas and a $25 statement credit with your first purchase made with the Card. Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	See Terms*	See Terms*	15.24% variable	See Terms*	Yes

	Car and Gas Credit Cards
	Discover® Open Road Card 2% Cashback Bonus automatically at any gas station and any restaurant 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 0% intro APR on balance transfers for 12 full months, then the Regular APR 0% intro APR on purchases for 6 months, then the Regular APR

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	6 Mo.*	11.99% - 20.99% (Variable)*	None	Yes

	Dedicated Credit Cards
	Starwood Preferred Guest(R) Credit Card from American Express Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners Express Approval. Get a decision in less than 60 seconds.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Good	See Terms*	See Terms*	15.24% variable	See Terms*	Yes

	Flyer Miles Credit Cards
	Miles by Discover® Card 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles don’t expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	6 Mo.*	10.99% - 16.99% (Variable)*	None	Yes

	Student Credit Cards
	Citi® mtvU™ Platinum Select® Visa® Card for College Students No Cosigner required Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores. Earn 1 ThankYou Point for every dollar you spend on all other purchases. Earn up to 2000 ThankYou Points twice a year for having a good GPA.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Fair	0 if you qualify*	7 Mo. on Purchases*	12.99% - 21.99%* (Variable)	None	Yes

	Pre Paid Debit Cards
	READYdebit® Card 100% Approval Guaranteed!– No Chexsystems or credit checks, bankruptcy okay! Now with FREE Credit Builder!* Better than a checking account– Great online bill pay service with no overdraft, bounced check fees – EVER! Pay Nothing Now!– No deposits or prepayments required to get your card. FREE Direct Deposit!– stop paying to cash your paycheck. FREE phone and online access to your card account! No declined transaction fees! Great Loading Options– FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Any	*	*	*	N/A*	No

	Business Credit Cards
	Ink(SM) with Ultimate Rewards(SM) Cash back plus a million other redemption options No dollar goes unrewarded No caps and points never expire Unlimited rewards for you or your business When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points* No annual fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0	6 Mo.	11.24%,14.24%,17.24% Variable*	None	Yes

All reasonable efforts are made to collect and provide accurate information. Due to the dynamic nature of cards issuers objectives and requirements, all credit card information is presented without warranty. You may click in the "Apply Now" column to review the credit card terms and conditions on the credit cards issuer's web site and apply via their secure online application.

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Providing our visitors with vital information about credit cards, current deals and related financial reference material along with secure applications to apply for credit cards online.

Review Credit Cards

Detailed reviews of 0 APR and low interest rate credit cards and offers.

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