Free Credit Score from Equifax
Top Five Credit Card Offers

Top Five Credit Cards

The following is a list of the top five most popular credit cards. This list of the best five credit card offers is updated monthly. Please note that the credit cards on this list generally require a good to excellent credit history.


Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card



  • 0% intro APR until September 2014 on balance transfers
  • 0% intro APR until September 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for until September 2014 0% for until September 2014 10.9% – 18.9%* Variable $0* Excellent

Application for the Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card

  • 0% intro APR until September 2014 on balance transfers
  • 0% intro APR until September 2014 on purchases
  • No annual fee

Credit score info for Capital One® Platinum Prestige Credit Card
Lowest credit score approved: 626**
Average credit score approved: 692**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Capital One® Platinum Prestige Credit Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
10.9% – 18.9%* Variable 0% for until September 2014 0% for until September 2014

Fee information for the Capital One® Platinum Prestige Credit Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 3% See Terms Up to $35 $0


Capital One® VentureOneSM Rewards Credit Card

Capital One® VentureOne<sup>SM</sup> Rewards Credit Card



  • 1.25 miles per dollar on every purchase, every day and no annual fee
  • One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals, and more
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • 0% intro APR on purchases until June 2014
  • No foreign transaction fees


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for until June 2014 N/A for N/A 11.9% – 19.9%* Variable $0* Excellent

Application for the Capital One® VentureOne<sup>SM</sup> Rewards Credit Card

Capital One® VentureOneSM Rewards Credit Card

Earn 10k bonus miles when you spend $1,000 in 3 months.
  • 1.25 miles per dollar on every purchase, every day
  • 0% intro APR on purchases until June 2014
  • No annual fee

Credit score info for Capital One® VentureOneSM Rewards Credit Card
Lowest credit score approved: 653**
Average credit score approved: 730**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Capital One® VentureOneSM Rewards Credit Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
11.9% – 19.9%* Variable 0% for until June 2014 N/A for N/A

Fee information for the Capital One® VentureOneSM Rewards Credit Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 $0 See Terms Up to $35 $0



Citi Simplicity® Card

Citi Simplicity® Card



  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 18 Months 0% for 18 Months 12.99% – 21.99%* Variable $0** Excellent

Application for the Citi Simplicity® Card

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness

Credit score info for Citi Simplicity® Card
Lowest credit score approved: 650**
Average credit score approved: 706**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Citi Simplicity® Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
12.99% – 21.99%* Variable 0% for 18 Months 0% for 18 Months

Fee information for the Citi Simplicity® Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0* 3%, Min: $5 5%, Min: $10 Up to $35 3%



Discover it® - 18 Month Balance Transfer

Discover it® - 18 Month Balance Transfer



  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous...5% cash back Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible...Choose your own due date and pay up to midnight ET online or by phone.
  • Human...talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 6 Months 0% for 18 Months 10.99% – 22.99%* Variable $0* Excellent

Application for the Discover it® - 18 Month Balance Transfer

Discover it® - 18 Month Balance Transfer


Credit score info for Discover it® - 18 Month Balance Transfer
Lowest credit score approved: 682**
Average credit score approved: 729**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Discover it® - 18 Month Balance Transfer
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
10.99% – 22.99%* Variable 0% for 6 Months 0% for 18 Months

Fee information for the Discover it® - 18 Month Balance Transfer
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 3% 5%, Min: $10 Up to $35 $0



Capital One® Cash Rewards - $100 Cash Back Bonus

Capital One® Cash Rewards - $100 Cash Back Bonus



  • $100 bonus after you spend $500 on purchases within the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR until June 2014 on purchases
  • 0% intro APR until June 2014 on balance transfers


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for until June 2014 0% for intro until June 2014 12.9% – 20.9%* Variable $0* Excellent

Application for the Capital One® Cash Rewards - $100 Cash Back Bonus

Capital One® Cash Rewards - $100 Cash Back Bonus

$100 bonus after you spend $500 in first 3 months.
  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases

Credit score info for Capital One® Cash Rewards - $100 Cash Back Bonus
Lowest credit score approved: 640**
Average credit score approved: 710**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Capital One® Cash Rewards - $100 Cash Back Bonus
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
12.9% – 20.9%* Variable 0% for until June 2014 0% for intro until June 2014

Fee information for the Capital One® Cash Rewards - $100 Cash Back Bonus
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 3% See Terms Up to $35 $0




About our "top five" credit cards list

We strive to provide comprehensive listings of credit cards to help you find a credit card that meets your needs. This list of top credit cards is a compilation of the most popular credit card offers available now. For answers to specific questions about any credit card topic, visit our credit card FAQs.



Compare all credit cards on our comparison chart


* See the online credit card application for details about terms and conditions of a specific offer.
** Users have received approvals with these TransUnion New Account credit scores, based on a data from a third party. These approval metrics are only guidelines and approval is not guaranteed.




Credit Cards: 
 
 
Get your free credit score

Get your free credit score


Free Credit Score from Equifax

Credit card delinquencies lowest in nearly two decades

Credit Card News

Credit card delinquencies lowest in nearly two decades

Consumer delinquency rates saw significant drops in the fourth quarter (Q4) of 2012, led by a drop in credit card delinquencies to the lowest level seen in nearly two decades. Read more



Credit Card Tips

Watch for rising minimum finance charges

Once the CARD Act was passed, credit card companies began to see some areas of lost profit. Now, some companies are raising minimum finance charges to produce additional revenue. Read more



Credit Card Advice

Credit card fact or fiction, part IV
Credit card fact or fiction, part IV
It is curious why so many myths surround credit cards considering that almost everyone has at least one and they've been a major source of unsecured credit lines for many years. In the last part of a four-part series, here's how to separate fact from fiction when it comes to credit card use. Read more

What are prepaid credit cards?
Prepaid cards explained
Prepaid credit cards are similar to traditional credit cards, but also differ in many important ways. For starters, prepaid cards can be used as a tool to help avoid costly debt, and there can be other benefits as well. For many people, prepaid credit cards can end up being an excellent choice.  Read more

More Credit Card Advice...


Latest Tweets



Free Credit Score from Equifax

Credit Card Calculators

Credit Card Roll-Down Calculator
Credit Card Roll-Down Calculator

This calculator applies two simple principles to help you determine how to pay off your credit card debt as quickly as possible.




Credit Card Glossary



you are here ›› homecredit cardstop 5 credit cards
Top Five Credit Card Offers