Apply for First Time Credit Cards Online
First Time Credit Cards
Many people are looking for first time credit cards. There are several options available to those who do not yet have a credit history and each opportunity will allow you to gradually build up your credit status. So, there is no need to hesitate when applying for a credit card for the first time.
Apart from the well known convenience of using credit cards to make payments in stores and online, there are many additional advantages to using a credit card to make your payments.
What are some reasons to apply for a first time credit card?
- A credit card will provide extra protection if an item or service you purchase fails to meet your expectations.
- Monthly credit card statements help you track your expenses.
- It is usually safer to carry a credit card rather than cash.
- Paying your credit card balance each month will help you to build a solid credit rating over time.
Why is credit important?
By paying your credit card bills in a timely way a first time credit card holder will be able to develop a solid credit track record. A good credit history will allow you many credit possibilities in the future such as the ability to receive a personal loan, a mortgage, a lower interest rate on your credit card and a higher credit limit.
What are some of the options for someone looking for a first time credit card?
Several options are available depending on your situation. There are prepaid and secured credit cards to choose from. If you are employed, had a bank account for over a year and are over 18 years old then any credit card which requires Fair or Average credit status should also be available to you. If you are a student and entering the credit card market for the first time then a student credit card would be the best choice for you.
What is a Prepaid Credit Card?
A prepaid credit card is a credit card in which money is loaded onto the card. The card can be used up to the limit of the prepaid amount. A prepaid credit card does not require a credit history and can therefore be issued quickly. Look for a prepaid credit card that will allow you to build up your credit rating. See our large selection of Prepaid Credit Cards.
What is a Secured Credit Card?
A secured credit card is secured with a security deposit. You can use the card up to the secured amount. Before applying for a secured credit card be sure the issuer will eventually offer you an unsecured credit card once you have established that you pay your balance regularly. See our large selection of Secured Credit Cards.
What is a Student Credit Card?
Many first time credit card holders are students. Though you may not have a credit history, if you are enrolled in an accredited school then you will qualify for a student credit card. A first time student credit card is an opportunity to create a good credit history if you regularly pay your monthly balance on time. See our large selection of Student Credit Cards.
If you have a fair or average credit rating you should be able to apply for a first time credit card.
If you have had a bank account for one year or longer and have not bounced any checks and if you have been regularly employed you should be able to apply for a credit card that requires a fair or average credit rating. CreditCreator.com offers many credit cards for those who have fair or average credit.
| 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--15 years in a row! (2011 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 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. |
| 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 then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% 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 then $1.00).
- 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 |
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 then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% 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. |
| IberiaBank Visa® Classic Card |
- No Annual Membership Fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) 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 $1.00).
- 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.
- Online Access to Credit Card Account Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 1.99% APR for 6 Months |
Free
| 7.25%, 10.25%, 13.25%* | $0 |
Average
| 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. |
| The Plum Card® from American Express OPEN |
- The Everything, Everywhere Trade Terms Card(SM) from American Express OPEN
- Pay in full within ten days, get a 1.5% discount
- OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
- $0 introductory annual fee for the first year, then $185
- A powerful cash flow management tool
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
|
| $185 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
 |
|
*
See website for complete terms and conditions of card usage and application disclosure. |
| Orchard Bank® Classic MasterCard® |
- 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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No introductory rate information available. | $0 - $49 | 14.99% or 19.99%, or 7.99% for secured cards | $
|
Average
| Balance Transfers:
YES
| Issuer: HSBC Bank Nevada, N.A. | Rating:
|
|
*
Disclosure:
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.
See website for complete terms and conditions of card usage and application disclosure. |
| Vision Silver(SM) Prepaid MasterCard® |
- Perfect Card for Government/Benefits Checks Recipients
- $0 Activation with Rebate*
- 100% Guaranteed Approval*/No Credit Check
- Free Direct Deposit of Your Pay or Government Check
- Free Unlimited Purchase Transactions Anywhere Where MasterCard Debit Card is Accepted
- No Overdraft Fees or Minimum Balances
- Online Checking - Electronic or Paper Checks
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Offer Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
|
|
*
See website for complete terms and conditions of card usage and application disclosure.
|
| AccountNow® Prepaid MasterCard® |
- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- Free Direct Deposit and $25 cash back
- Cash Back on Everyday Purchases
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $
|
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
|
|
*
This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan).
**The account set up fee of $9.95 is waived with direct deposit loads.
The direct deposit limit plus the cash deposit limit is the maximum deposit.
There is no transaction fee for U.S. purchases.
$1 fee for ATM balance inquiries.
$1 fee for international purchases.
No employment verifications.
Must be at least 18 and a U.S. citizen or permanent resident.
See website for complete terms and conditions of card usage and application disclosure. |
| Studentawards Card |
- Earn 1 WorldPoint for every $2 in qualifying net retail purchases‡
- No maximum earnings cap on WorldPoints
- No Annual Fee
- Online access to your credit card account
- Around-the-clock fraud protection
- Unparalleled 24-hour customer service
- Immediate cash access at 430,000 ATMs internationally
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 18.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
 |
|
*
Please refer to online application legal disclosures. |
| Discover® Student Card - Clear |
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 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 ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 9 Months* |
Free
| 13.99%- 20.99 V | $0 |
Average
| 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. |
| Discover® Student Card - Monogram Collection |
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 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 ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 9 Months |
Free
| 13.99%- 20.99 V | $0 |
Average
| 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. |
| Sony Card MasterCard® Credit Card |
- Earn Sony Points with Every Net Retail Purchase Made On Your Sony Card MasterCard®
- No Annual Fee
- Get 2,000 Sony Points After Your First Qualifying Transaction
- Earn Double Sony Points with Every Purchase of Sony Products at SonyStyle.ca or the Sony Store/Maison Sony
- Browse Through the Complete SonyStyle.ca Catalogue Including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Player, Movies, Software, Media, and So Much More!
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Online Access to Your Credit Card Account
- Around-the-Clock Fraud Protection
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99* | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
|
|
*
*Please refer to online application legal disclosures. |
| PremierRewards® MasterCard® Credit Card |
- 1% Back on All Net Retails Purchases*
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-Clock Fraud Protection
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
|
|
*
*Please refer to online application legal disclosures. |
| Discover® Open Road Card for Students |
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- Double Cashback Bonus®* at gas stations and restaurants.
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 9 Months* |
Free
| 13.99%- 20.99% V | $0 |
Average
| 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. |
| Discover® Student Card - Tropical Beach |
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 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 ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for 9 Months* |
Free
| 13.99%- 20.99% V | $0 |
Average
| 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.
|
| Best Western MasterCard® Credit Card |
- Receive 20,000 Bonus Best Western Rewards Points After Your First Qualifying Purchase
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-Clock Fraud Protection
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
- Immediate Cash Access at 430,000 ATMs Internationally
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 19.99%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
|
|
*
*Please refer to online application legal disclosures. |
| 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
|
|
|
| Starwood Preferred Guest® Business Credit Card from American Express OPEN |
- Earn up to 25,000 Starpoints® - Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel.
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Interest Rate Available |
Free
| 15.24% - 19.24% Variable | $65 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
None
|
|
|
| Blue Sky from American Express(R) |
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases for 12 months |
Free
| 17.24%-22.24% Variable | $0 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
|
| Blue Cash Everyday(SM) Card from American Express |
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, 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
- No annual fee, flexibility to pay over time
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases for 12 months |
Free
| 17.24%-22.24% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
None
|
|
|
| TrueEarnings(R) Card from Costco and American Express |
- American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases for 6 months |
Free
| 15.24% variable | $0 |
Average
| Balance Transfers:
N/A
| Issuer: American Express | Rating:
None
|
|
|
| Applied Bank® Visa® Business Card |
- Credit Limits available to $750
- Sole Proprietors and Entrepreneurs Welcome - No Business Too Small!!
- Perfect for Your Everyday Business Needs
- Great for Self-Employed Business Owners
- Your Business Name on YOUR Business Card
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 23.99% | $
|
Average
| Balance Transfers:
N/A
| Issuer: Applied Bank | Rating:
None
|
|
*
**There is no annual fee for this card; however, a $9.95 monthly maintenance fee is charged, for a $119.40 total. |
| Chase Sapphire℠ |
- 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!
- 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- 24/7 direct access to expert service advisors (No voice recording)
- No annual fee!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro 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
- No annual fee and rewards never expire
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 12 months on balance transfers, 6 months on purchases |
Free
| As low as 11.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro 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
- No annual fee and rewards never expire
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 12 months on balance transfers, 6 months on purchases |
Free
| As low as 11.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Slate® from Chase MasterCard |
- 0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for up to 15 Months* |
Free
| 11.99% - 21.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
*
See website for complete terms and conditions of card usage and application disclosure. |
| Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro 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
- No annual fee and rewards never expire
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 12 months on balance transfers, 6 months on purchases |
Free
| As low as 11.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Ink℠ Classic Business - Up to 25,000 Bonus Points |
- 25,000 bonus points after you spend $5,000 in the first 3 months!*
- 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
- 2X points per dollar on the first $25,000 spent annually on fuel and dining*
- 1 point per dollar on all other card purchases with no limit on the amount you can earn*
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% for 6 Months |
Free
| 13.24% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration |
- Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
- 0% Intro APR for up to 15 months - a variable APR as low as 11.99% -21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% Intro APR for either the first 6 or first 15 billing cycles on either purchases and balance transfers or balance transfers only. |
Free
| 11.99% - 21.99% variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Slate® from Chase - Limited Time: No Balance Transfer Fee |
- LIMITED TIME: No Balance Transfer Fee!*
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- 0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
- Slate with Blueprint helps you pay down your balances faster and save on interest
- Zero liability on unauthorized purchases*
- No Annual Fee*
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% Intro APR for either the first 6 or first 12 billing cycles on either purchases and balance transfers or balance transfers only. |
Free
| 11.99% - 21.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Freedom® MasterCard - $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
- No annual fee and rewards never expire
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No introductory rate available. |
Free
| 15.99% - 22.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Ink Cash℠ Business Card |
- $250 cash back bonus after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
- 2% cash back on the first $25,000 spent annually on gas and dining
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee*
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% Introductory APR for 6 Months |
Free
| 13.24% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| The New Ink Bold℠ with Ultimate Rewards |
- 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
- No limit to the number of points you can earn - and points do not expire
- 5X points per dollar on the first $50,000 spent annually on eligible business purchases
- No foreign transaction fees and Free Employee Cards
- No interest or over limit fees
- No Annual Fee in the first year - that's a $95 savings
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
|
| $95 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Chase Sapphire℠ |
- 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!
- 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- 24/7 direct access to expert service advisors (No voice recording)
- No annual fee!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| 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
- No annual fee and rewards never expire
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.99% - 22.99% Variable | $0 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Marriott Rewards® Credit Card |
- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
- No Annual fee for your first year - that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 14.24% | $45 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| Marriott Rewards® Premier Credit Card |
- Earn 50,000 Bonus Points after your first use
- Receive 1 free night stay upon account approval and each year upon account anniversary
- Earn 5 points for every $1 spent at Marriott® locations
- Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
- Earn 1 point for every $1 spent on other purchases
- No foreign transaction fees
- Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available |
Free
| 15.24% | $85 |
Average
| Balance Transfers:
YES
| Issuer: Chase | Rating:
None
|
|
|
| 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
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% intro APR on purchases and balance transfers for 12 months |
Free
| 10.99% - 19.99% (V)* | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
None
|
|
|
| CAA Quebec MasterCard® Credit Card |
- Low 3.99% Introductory Interest Rate for 6 Months on Cheque Cash Advances and Balance Transfers
- No Annual Fee
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
- International Acceptance at Millions of Locations
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 14.99% | $
|
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
None
|
|
|
| Choice Privileges MasterCard® Credit Card |
- No Annual Fee
- Get the card. Earn 2 free nights1 at over 1,500 hotels across North America!
- Up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia
- Automatic upgrade to Elite Gold status*** earning you more points for every eligible stay
- Promotional rate on balance transfers (including cheque cash advances): 1.99% for your first six billing cycles that post to your Account.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | Please refer to online application legal disclosures. |
Free
| 16.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: MBNA Canada | Rating:
None
|
|
|
| AccountNow® Prepaid Visa® |
- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- Free Direct Deposit and $25 cash back
- Cash Back on Everyday Purchases
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95** |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
*
This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan).
**The account set up fee of $9.95 is waived with direct deposit loads.
The direct deposit limit plus the cash deposit limit is the maximum deposit.
There is no transaction fee for U.S. purchases.
$1 fee for ATM balance inquiries.
$1 fee for international purchases.
No employment verifications.
Must be at least 18 and a U.S. citizen or permanent resident.
See website for complete terms and conditions of card usage and application disclosure. |
| BuyRIGHT Pre-Paid MasterCard® |
- Guaranteed Rewards- you can pick iTunes, RedBox, Cash, Starbucks and More!
- Special Reload Offer! Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.**
- FREE Direct Deposit, Online bill pay, Earn rewards.
- No credit check, 100% approved!*
- No bounced check fees or overdraft fees, EVER!
- Travel, Rent Cars, Reserve Hotels, Shop online safely!
- Unbelievable Customer Service!
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 Activation Fee |
| $
|
Average
| Balance Transfers:
N/A
| Issuer: MetaBank | Rating:
None
|
|
*
**Cardholders pay a monthly maintenance fee of $7.95.
The cardholder also pays a one-time activation fee of $9.95.
No credit checks or turndowns.
No employment verifications.
Cardholders who choose to participate in the Credit Building Program will have their monthly payment history reported to at least one major credit bureau.
Must be at least 18 and a U.S. citizen or permanent resident.
Although residents of HI and AK can apply for the card, merchandise can only be shipped to the 48 contiguous states.
See website for complete terms and conditions of card usage and application disclosure. |
| Vision Premier® Prepaid Visa® Card |
- No Credit Check Complete the form and we'll mail your card
- Free Roadside Assistance
- 1% Cash Back on Gas Purchases
- Free Savings Account with 5.65% APY
- Free Unlimited Purchases - Signature and PIN
- Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
- No Debt, No Interest Charges and No Overdraft Fees
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
*
*First year fees up to $119.95.
See website for complete terms and conditions of card usage and application disclosure. |
| Wired Plastic® Prepaid Visa® Card |
- Accepted everywhere VISA debit cards are accepted
- No Credit Check, Income Requirements or Bank Account Required
- On Demand Alerts - Manage your account via text messaging
- FREE Online Access to Account
- FREE Mobile Alerts - Text to your mobile or email
- FREE Rewards Program - Earn 1 point for every $1 spent
- No Bounced Check, NSF or Overdraft Charges EVER!
- FREE Direct Deposit - Eliminate check cashing fees
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | No Introductory Rate Available | $9.95 |
| $0 |
Average
| Balance Transfers:
N/A
| Issuer: The Bancorp Bank | Rating:
None
|
|
*
No credit checks.
No bank account required.
Must be a U.S. citizen and have a social security number to get approved.
Not available to residents of Puerto Rico, Guam, Virgin Islands, or America Samoa.
No income requirement.
No employment verifications.
No security deposit.
Various additional fees associated with the card, see website for details.
See website for complete terms and conditions of card usage and application disclosure. |
