Credit Cards FAQ

Frequently Asked Questions about Credit Cards

    Are some card-issuing banks better than others?

    Which card-issuing bank is ideal for you depends on your specific credit needs. There is no single credit card for everyone, and the issuing bank is less important than the terms of the card offer. Each credit card has different terms, regardless of the card-issuing bank, so focus on whether the terms are appropriate to your financial situation and credit needs.

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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Bottom line: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Citi® Diamond Preferred® Card

Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Chase Freedom® Visa - $200 Bonus Cash Back

Bottom line: Our top choice for cash back rewards with $200 bonus opportunity and 1-5% back on purchases
Southwest Airlines Rapid Rewards® Plus Card from Chase

Bottom line: Top travel rewards program contender with a value of $0.017 per point for flights, free flight with first purchase, excellent choice for frequent Southwest fliers
Escape by Discover® Card

Bottom line: Strong travel rewards card; 0% intro APR on balance transfers and purchases; earn up to 25,000 bonus miles in 25 months
Citi Simplicity® Card

Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Blue Cash Everyday<sup><small>SM</small></sup> from American Express

Bottom line: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back; 0% intro APR
Citi® Platinum Select® Visa®

Bottom line: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover® More Card - No Balance Transfer Fee

Bottom line: Best card for balance transfers; No balance transfer fee, 12-month 0% intro APR on purchases & balance transfers, up to 5% cash back.

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