Credit Cards

You can save a lot of money just by using the right credit card…something I know a thing or two about.

This page includes my latest credit card recommendations (I update it often as rewards and terms change). So if you’re in the market for a new card and find one here you like, applying through these links will help me continue blogging and helping you and other readers. Thank You!

Low APR/Balance Transfers | Cash Rewards | Travel Rewards | Fair Credit | Student Credit Cards

Featured Card

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 travel, gas, groceries, restaurants, home improvement 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 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. My Take: The Discover® More® Card is really solid, all-around credit card. It comes with a decent regular APR, a great intro offer and generous cash rewards (with most other cards, you have to compromise).
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 15 Full Months 10.99%-20.99% Variable $0 Yes Good Credit

Low APRs and Balance Transfers

Discover® More Card – $0 Balance Transfer Fee
	Limited Time Offer – $0 Balance Transfer Fee!* 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% – 19.99%* 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 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 My Take: The best bet right now for balance transfers—in most cases saving the 3-5% balance trasfer fee is better than getting a few extra months at 0%.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 12 Months 10.99%-20.99% Variable $0 Yes Excellent Credit

Citi® Diamond Preferred® Card
	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. $0 Liability on unauthorized purchases Citi® Identity Theft Solutions Secure, free online account management No annual fee* My Take: If you have a balance to transfer or want to make a big purchase and pay it off over time…0% for 21 months and a 9.99% regular APR are hard to beat.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 0% for 18 months* 11.99%-19.99% V $0* Yes* Good Credit*

Discover® More Card – 18 Month Balance Transfer
	0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%* 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply* 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 My Take: If you’re currently paying a high APR on a credit card balance that you CANNOT pay off in a few months AND have good enough credit to apply for a new card, this offer could save you a lot of money in the long run.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 18 Full Months on Balance Transfers 10.99%-20.99% Variable $0 Yes Excellent Credit

Cash Rewards

Chase Freedom® Visa® $200 Bonus Cash Back
	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 Cash back rewards never expire. No Annual Fee My Take: It’s hard to beat $200 bonus cash! Just spend $500 in 3 months to get it. Note this card does not have any intro APRs, though. For that, check out the $100 bonus version of this card below…
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed None None as low as 15.99% Variable* $0 Yes Excellent Credit

Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% APR
	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 Up to an additional 10% Cash Back when you shop online at select merchants through Chase Cash back rewards never expire No Annual Fee My Take: Probably the best all-around cash rewards card available today, but NOT the right card for anybody who plans on carrying a balance.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 12/6 Mos. (BT/Purchases) as low as 11.99% Variable* $0 Yes Good Credit

Blue Cash EverydaySM Card from American Express
	Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership No annual fee, flexibility to pay over time Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases NO spend minimum, NO enrollment, and NO rotating rewards categories Get a $25 Referral Bonus for each friend or family member who is approved for the Card My Take: A great cash rewards card for anybody who pays their balance in full and users their card primarily on common purchases like gas and groceries.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 12 months on Purchases 17.24%-22.24% Variable $0 Yes Excellent Credit

Citi® Dividend Platinum Select® MasterCard® — Limited Time Offer $100 Cash Back
	$100 cash back after $500 in purchases within the first three months of account opening. Full 1% cash back on purchases. Enroll for bonus cash back in popular categories that change with each quarter. It’s easy, simple and free to enroll. 5% unlimited cash back on average through the Citi Bonus Cash Center®. No annual fee. My Take: Citi’s latest offer proves the credit card market is heating up; it’s hard to beat $100 cash back and 0% on BOTH purchases and balance transfers for 15 months.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0% 15 Months 12.99%-20.99% Variable $0 Yes Good Credit

Travel Rewards

Chase SapphireSM Card
	Limited Time Offer! – Earn 25,000 bonus points after you spend $3,000 in the first 3 months – that’s $250 toward a flight or any other reward! Redeem points for travel, gift cards, merchandise, cash back and more 2X points earned on airfare & hotel accommodations booked through Ultimate » Rewards & 1 point for every dollar spent on all other purchases Points never expire and there are no limits on how many points you can earn 24/7 Dedicated service advisors (No voice recording) Premier travel and purchase protection benefits No annual fee!
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 15.24% Variable None N/A Excellent Credit

Chase SapphireSM Preferred Card
	Limited Time Offer! – Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that’s $625 toward travel! 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases. Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM No foreign transaction fees Earn a 7% annual points dividend – even on points already redeemed Transfer points you’ve earned to participating frequent traveler programs at a 1:1 value 24/7 direct access to expert service advisors (No voice recording) No Annual Fee for your first year – A $95 value
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 15.24% Variable 1st Yr Free; $95 N/A Excellent Credit

Fair Credit

Orchard Bank® Classic MasterCard®
	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 My Take: Orchard Bank cards are a good bet for applicants with less-than-stellar credit.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed None None 7.90%-28.90% $0 – $59 the first year, $35 – $59 per year thereafter Yes Fair Credit

Still Looking?

Disclaimer

One way I’m able to support my blogging while helping you is to link to products I like and earn a referral commission if you sign up. I only link to products I trust. That said, you should know that if you click the links to these cards and ultimately apply for and are approved for that card, I may be paid for that. If you choose to support Money Under 30 in that way, thanks!