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 3 easy steps to apply for credit cards:  Searching for a broader range of information:
1 Select the type of cards you want to apply for from the Card Types above or read about the different Card Types.
2 Review the details and select for the cards that best suits your needs.
3 Click on the APPLY check mark to use the Secure online application.
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Check our Glossary to clarify credit cards terms used on applications.

Review Credit Cards

Updated: 3/10/2010
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
Click to Find More Information about Discover® More® Card - Clear Discover® More® Card - Clear
0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee
Click to Apply for a Discover® More® Card - Clear   Click to Find More Information about Discover® More® Card - Clear before you apply.
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Very Good 0 6 Mo. As low as 11.99% Variable None Yes
  Low Interest Credit Cards
Click to Find More Information about Citi® Platinum Select® Card Citi® Platinum Select® Card
0% APR* on balance transfers and purchases for up to 12 months
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
Click to Apply for a Citi® Platinum Select® Card   Click to Find More Information about Citi® Platinum Select® Card before you apply.
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Very Good 0 up to 12 Mo. As low as 11.99% Variable None Yes
  Cash Back Credit Cards
Click to Find More Information about Discover® Motiva(SM) Card Discover® Motiva(SM) Card
Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*
Click to Apply for a Discover® Motiva(SM) Card   Click to Find More Information about Discover® Motiva(SM) Card before you apply.
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Very Good 3.99 6 Mo. As low as 11.99% Variable None Yes
  Balance Transfer Credit Cards
Click to Find More Information about Discover® More® Card Discover® More® Card
0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee
Click to Apply for a Discover® More® Card   Click to Find More Information about Discover® More® Card before you apply.
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Excellent 0 6 Mo. As low as 11.99% Variable None Yes
  Instant Approval Credit Cards
Click to Find More Information about American Express (R) Preferred Rewards Gold Card American Express (R) Preferred Rewards Gold Card
Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 60 seconds.
Click to Apply for a American Express (R) Preferred Rewards Gold Card   Click to Find More Information about American Express (R) Preferred Rewards Gold Card before you apply.
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Very Good n/a n/a n/a $125 No
  Easy Approval Credit Cards
Click to Find More Information about Orchard Bank Classic MasterCards Orchard Bank Classic MasterCards
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
Click to Apply for a Orchard Bank Classic MasterCards   Click to Find More Information about Orchard Bank Classic MasterCards before you apply.
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Fair n/a n/a 7.90% - 24.90% See Terms* Yes
  Rewards Credit Cards
Click to Find More Information about TrueEarnings(R) Card from Costco and American Express 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
Click to Apply for a TrueEarnings(R) Card from Costco and American Express   Click to Find More Information about TrueEarnings(R) Card from Costco and American Express before you apply.
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Very Good See Terms* See Terms* 15.24% See Terms* Yes
  Car and Gas Credit Cards
Click to Find More Information about Discover® Open Road(SM) Card Discover® Open Road(SM) Card
Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
Click to Apply for a Discover® Open Road(SM) Card   Click to Find More Information about Discover® Open Road(SM) Card before you apply.
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Very Good 0 6 Mo. As low as 11.99% Variable None Yes
  Dedicated Credit Cards
Click to Find More Information about Starwood Preferred Guest(R) Credit Card from American Express 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.
Click to Apply for a Starwood Preferred Guest(R) Credit Card from American Express   Click to Find More Information about Starwood Preferred Guest(R) Credit Card from American Express before you apply.
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Good See Terms* See Terms* 15.24% See Terms* Yes
  Flyer Miles Credit Cards
Click to Find More Information about Miles by Discover® Card Miles by Discover® Card
12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
Double Miles on up to $3,000 in travel and restaurant purchases each year
Book any travel, anytime with no blackout dates or restrictions
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire
No Annual Fee
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
Click to Apply for a Miles by Discover® Card   Click to Find More Information about Miles by Discover® Card before you apply.
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Very Good 0 6 Mo. As low as 11.99% Variable None Yes
  Student Credit Cards
Click to Find More Information about Citi® mtvU™ Platinum Select® Visa® Card for College Students Citi® mtvU™ Platinum Select® Visa® Card for College Students
0% APR* on purchases for 7 months if you qualify based on your application and credit history.*
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 25 ThankYou Points every month when you pay on time and don't go over your credit limit.
Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
Redeem points for gift cards, travel, electronics, music and more.
No Annual Fee
Click to Apply for a Citi® mtvU™ Platinum Select® Visa® Card for College Students   Click to Find More Information about Citi® mtvU™ Platinum Select® Visa® Card for College Students before you apply.
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Fair 0* See Terms* As low as 17.24% Variable None Yes
  Pre Paid Debit Cards
Click to Find More Information about READYdebit® Card 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.
Click to Apply for a READYdebit® Card   Click to Find More Information about READYdebit® Card before you apply.
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Any * * * N/A* 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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