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CreditCreator.com is dedicated to helping our customers make informed decisions about a wide range of credit card options, and then to easily and quickly apply for the credit card of their choice.

We provide educational and information services for exploring and comparing the best credit card options available. Our simple online tools, up-to-date news articles, and advice columns are designed to assist you in selecting the right credit card for your needs.

For convenience, the hundreds of credit cards we offer are grouped into major credit card categories such asbusiness credit cards, low interest credit cards, air miles rewards credit cardsetc. Each credit card is displayed with a simple to read chart highlighting many of the card's features making it easy to compare one card offer with another.

TOP 10 CREDIT CARD OFFERS

On our home page we have selected the best credit card offers in each credit card category. Just click a category to find the top five-star rated* credit card in that category and apply for a credit card today!

The Best Business Credit Card

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Starwood Preferred Guest(R) Credit Card from American Express

Starpoints(R) 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(R) Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
None	Free	15.24% - 19.24% Variable	$65	Average
Balance Transfers: N/A	Issuer: American Express		Rating: None

SEE MORE BUSINESS CREDIT CARDS

The Best Student Credit Card

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Discover® Mix Tape Student Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases for 9 months	Free	12.99%- 18.99 V	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

* *See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

SEE MORE STUDENT CREDIT CARDS

The Best Secured Credit Card

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Platinum Zero® Secured Visa® Credit Card from Applied Bank®

ZERO - 0% FIXED APR on Purchases - No Intro Rates!
ZERO - 0% Rate Won’t Change - Even If You’re Late!
ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
ZERO Application Fees
ZERO Worries - FREE Personal ID Theft Protection
ZERO Delays - Timely CREDIT Bureau Reporting

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
No Introductory Rate Available	$0	0%	$	Good to Excellent
Balance Transfers: YES	Issuer: Applied Bank		Rating:

* Credit bureau reporting. See website for complete terms and conditions of card usage and application disclosure.

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The Best Low Interest Credit Card

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IberiaBank Visa® Gold Cash Back Rewards Card

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn 1% in cash back credit on all qualifying purchases
No limit on cash back; no expiration date on eligibility for accounts in good standing
Travel accident coverage up to $500,000
Online access to credit card account information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
1.99% APR for 6 Billing Cycles	Free	9.25, 12.25%, or 15.25%*	$0	Good
Balance Transfers: YES	Issuer: IberiaBank		Rating:

* *This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

SEE MORE LOW INTEREST CREDIT CARDS

The Best 0% APR Credit Card

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IberiaBank Visa® Select Card

Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
Online access to credit card account information
Low Annual Fee of $35.00.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0.00% or 7.50% for 12 Months on Purchases or 1.99% or 7.50% for 12 billing cycles on balance transfers	Free	7.50%, 9.50% or 11.50%	$35	Average
Balance Transfers: YES	Issuer: IberiaBank		Rating:

* Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period. Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

SEE MORE 0% APR CREDIT CARDS

The Best Balance Transfer Card

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Discover® Motiva Card

Earn Cashback Bonus for your good credit management
0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 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 rate, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Introductory APR*	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

SEE MORE BALANCE TRANSFER CREDIT CARDS

The Best Air Miles Credit Card

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Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	10.99% - 16.99% (V)*	$60	Average
Balance Transfers: YES	Issuer: Discover		Rating:

SEE MORE AIR MILES CREDIT CARDS

The Best Rewards Credit Card

SEE MORE REWARDS CREDIT CARDS

Best Travel Rewards Credit Card

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Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	n/app	10.99% - 16.99% (V)*	$60	Average
Balance Transfers: YES	Issuer: Discover		Rating:

SEE MORE TRAVEL REWARDS CREDIT CARDS

SEE MORE HOTEL REWARDS CREDIT CARDS

The Best Cash Back Credit Card

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SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
No annual membership fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6, 9, or 12 months	Free	12.24% – 19.24% Variable	$0	Good to Excellent
Balance Transfers: N/A	Issuer: American Express		Rating:

* See website for complete terms and conditions of card usage and application disclosure.

SEE MORE CASH BACK CREDIT CARDS

Review and Compare Credit Card Offers

If you would like to view the complete selection of credit card offers please go to the credit card category which best suites your needs, whether it bebusiness credit cards,low interest credit cards,air miles credit cardsor any of the more than 10 categories. Here you will find lists of credit cards from the top banks and lenders in the nation. Each credit card is accompanied by an easy to read chart displaying the main features and benefits of that card, making it easy to compare one credit card offer with another.

Once you have decided which card best suites your needs, or if you are interested to find out more information about a specific credit card, then click "Apply Now". There you will find the credit card application as well as more information about the card offer. In addition, you will find complete details of the card benefits and restrictions in the "terms and conditions" section of the online credit card application.

What is the criteria used in the star rating of each credit card?The star rating system is used to help give you a quick idea of how one credit card compares to another. This unbiased rating system is based on the benefits the credit card offers the cardholder. A higher star rating is awarded to those cards offering unrestricted rewards opportunities, no annual fees, lower interest rates etc. In summary, a higher rating goes to those cards which offer more benefits with the least cost to the cardholder.
What is meant by the credit rating needed for each credit card?Each of us has a credit status based on our credit history. The basic categories are:excellent, good, averageorfair,andpoor.Those with agoodorexcellent creditstanding have the best credit opportunities open to them for receiving a card with a high credit limit, low interest and more rewards options. There are also many opportunities for those withpoororlimited credithistory, such as prepaid or secured credit card options.

So when we compare one card with another we need to take into account the cardholders credit history as well as the many benefits of each credit card. In this way each person can find the credit card product most suited to their needs.