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Review Credit Cards

Updated: 1/30/2012

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 Interest
	Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers and purchases for 21 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness. Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	21 Mo. on balance transfers and purchases*	11.99%-21.99%* (Variable)	$0*	Yes

	Balance Transfer
	Discover® More® Card 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	0*	15 Mo. on purchases & balance transfers*	10.99% - 20.99% (Variable)*	$0*	Yes

	Low Intro
	Citi Simplicity® Card 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	0*	21 Mo. on balance transfers and purchases*	12.99% - 21.99%* (Variable)	$0*	Yes

	Easy Approval
	Orchard Bank Classic MasterCards An excellent credit card for help 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 are available to remind you of your upcoming payment due date Knowledgeable 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*	14.99%-19.99%*	$0 - $59 the first year, $35 - $	Yes

	Cash Back
	Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back $100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. Full 1% cash back on all other purchases and eligible cash advances. No annual fee*

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	12 Mo. on balance transfers and purchases*	12.99%-22.99%* (Variable)	$0*	Yes

	Rewards
	Chase Freedom^® Visa - $200 Bonus Cash Back This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts 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 No annual fee and rewards never expire

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	n/a*	n/a*	15.99%-22.99%*(Variable)	$0*	Yes

	Flyer Miles
	Miles by Discover® Card Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%* No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	6 Mo. on purchases & balance transfers*	10.99%-16.99% (Variable)*	$0*	Yes

	Car and Gas
	Chase Freedom^® Visa - $100 Bonus Cash Back This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts 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 without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	0.00*	12*	11.99%-22.99%*(Variable)	$0*	Yes

	Specialty Card
	Starwood Preferred Guest® Credit Card Starpoints® 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® Award for "Best Travel Rewards Card" $0 introductory annual fee for the first year, then $65

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Good	n/a	n/a	15.24% - 19.24% variable	$0 introductory for the first ye	Yes

	Student Cards
	Citi Forward® Card for College Students No Cosigner required APR reduction on purchases when using credit wisely 100 ThankYou Points each billing period that you pay on time and stay under your credit limit Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Very Good	0*	0% Intro APR for 7 Mo. on purchases*	13.99%-22.99%* (Variable)	$0*	Yes

	Business Cards
	The New Business Gold Rewards Card® from American Express OPEN Earn points even faster to get more rewards for your business 3X points on airfare, 2X points on advertising, gas, and shipping , 1X points on everything else One million rewards from over 500 brands Unlimited Rewards Potential- there is no limit to the number of points you can earn and points do not expire 24/7 support for everything from identity theft to travel emergencies $0 introductory annual fee for the first year, then $175 Get unlimited Additional Gold Cards for an additional annual fee of $50- and this fee is waived for the first year

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Excellent	n/a*	n/a*	n/a*	$0 introductory for the first ye	No

	Pre Paid Debit
	READYdebit® Card Free Credit Score & Credit Builder Free Unlimited Purchase Transactions Free Online Bill Payment & Check Writing Free Direct Deposit - paycheck, benefits, tax refunds 100% Guaranteed Approval* - No Credit Checks No Overdraft Fees or Balance Minimums Reloadable up to $10,000 Max Balance Choose Your Card Color - Blue, Black or Pink

Credit Level	Intro APR%	Intro Period	Normal APR%	Annual Fee	Balance Transfer
Any	n/a*	n/a*	n/a*	0.00	No

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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