Top and Best Rated Credit Cards

Updated on May 13, 2008

Wyndham Rewards MasterCard(SM) Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Hotel Earn 2 Points for Every $1 in Purchases Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals No Annual Fee 24-Hour Online Access Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. TripRewards® membership is free. Visit www.triprewards.com for more information on their program. See website for complete terms and conditions of card usage and application disclosure.

World Series of Poker® Visa® Card with WorldPoints® Rewards Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Sports *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases *Redeem for WSOP Buy-Ins Including the Texas Hold'em World Championship *Redemption Options Include Travel With No Blackout Dates, Unlimited Cash-Back, Brand-Name Merchandise, or Gift Cards *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Total Rewards® Platinum Plus® Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 15.990% $0 Reward - Hotel *Earn 1 Reward Credit for Every $1 You Charge in Net Retail Purchases Anywhere - at the Grocery Store, Mall, Gas Station, Online, Even when You Pay Recurring Monthly Bills *These Reward Credits Will Be Added to Your Total Rewards Account Balance, which Can Also Be Earned by Your Gaming Play at Any Harrah's Operating Company Casino *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Total Merrill(SM) Cash Back Visa® Card Intro Rate Regular APR Annual FEE CardType 1.90% 9.990% $0 Reward - Cash 1% Cash Back on Virtually All Purchases No Annual Fee No Annual Fee and a Low Competitive 9.99% Annual Percentage Rate (APR) Low 9.99% APR for Retail Purchases† Credit Line may be as High as $250,000 Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account Special Offer: 1.9% APR for 12 Months The introductory rate is also available for cash advance checks. Important Notes: **After April 19, 2008, the APR for cash advances will be 19.99%. See website for complete terms and conditions of card usage and application disclosure.

The Platinum Business Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 8.990% $0 Business Option to Enroll in the Membership Rewards Express® Program Fee-Free There's No Limit to the Number of Points You Can Earn Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More 0% APR for the First 12 Months No Annual Fee No Annual Fee for Additional Cards Special Offer: 0% APR for 12 Months A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process or posted within 45 days. Introductory rate applies to purchases made using the card at physical locations. Important Notes: Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Pulaski Bank Visa® Card Intro Rate Regular APR Annual FEE CardType 0.00% 6.500% $35 Regular Fixed Low Rate Best Credit Card Rate in the Country No Fee Balance Transfers 0.0% Introductory APR on All Balance Transfers Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: See website for complete terms and conditions of card usage and application disclosure.

NFL Extra Points™ Platinum Plus® Visa® Card Intro Rate Regular APR Annual FEE CardType 0.00% 15.990% $0 Reward - Sports *Reward Yourself with a $50 NFLshop.com Gift Card after Your First Qualifying Transaction(s) Using Your NFL Extra Points™ Visa® Credit Card§ *No Annual Fee *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for NFL Merchandise, Tickets, and VIP Passes to NFL Experiences§§ *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *100% Fraud Protection *Online Account Access and Points Management Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 15.990% $0 Reward - Sports *Earn RacePoints(SM) Every Time You Make a Purchase§ *Redeem Points for Exclusive NASCAR® Experiences and Collectibles *No Annual Fee *Free Online Account Access *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

MERRILL+® Card Intro Rate Regular APR Annual FEE CardType 1.90% 9.990% $0 Reward - Travel No Annual Fee Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles Low 9.99% APR Credit Line May Be as High as $250,000 Earn 1 Point for Every $1 Spent Extraordinary Benefits such as Companion Airline Tickets and Upgrades, Airport Lounge Access, and 24/7 Concierge Special Offer: 1.9% APR for 12 Months The introductory rate is also available for cash advance checks. Important Notes: See website for complete terms and conditions of card usage and application disclosure.

Major League Baseball® Extra Bases™ Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 15.990% $0 Reward - Sports *Get the Card That's a Hit with Baseball Fans! *Get an Official MLB™ Licensed Jersey after Your First Qualifying Transaction(s) Using Your MLB™ Extra Bases™ Credit Card§ *Earn 1 Point for Every Net Retail Dollar Spent Redeemable for MLB™ Autographed Memorabilia, Once-in-a-Lifetime MLB™ Experiences, Cash Rewards and Travel with No Blackout Dates§§ *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: *This card is issued by FIA Card Services, N.A. **The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Platinum Rewards Card Intro Rate Regular APR Annual FEE CardType 0.00% 6.240% $0 Reward - Travel No Annual Fee 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles Earn 1 Bonus Point for Every $1 in Net Retail Purchases and Redeem Your Points for Hotel Rooms, Gourmet Dinners, Travel, and More Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 0.99%, 1.99%, or 2.99% + Prime Rate. The APR for cash advances varies according to the applicant\'s credit history and will be 1.99%, 2.99%, or 3.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

IberiaBank Visa® Gold Cash Back Rewards Card Intro Rate Regular APR Annual FEE CardType 0.00% 6.240% $0 Reward - Cash 1% Cash Back on Everything You Buy From Day One No limit on Cash Back; No Expiration for the Life of Your Account 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles No Minimum to Redeem for Cash No Annual Membership Fee Special Offer: 0% APR for 6 Months The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR for purchases and balance transfers varies according to the applicant's credit history and will be 0.99%, 1.99%, or 2.99% + Prime Rate. The APR for cash advances varies according to the applicant's credit history and will be 1.99%, 2.99%, or 3.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Discover® Motiva(SM) Card Intro Rate Regular APR Annual FEE CardType 3.90% 10.990% $0 Reward - Cash 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners Free Payment by Phone or Online-Even on Your Payment Due Date Choose a Payment due Date That Meets Your Needs No Annual Fee Online Account Access Online Bill Payment Special Offer: 3.9% Intro APR* There is a 3.9% introductory APR* on purchases for 6 months and a 3.9% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details. Important Notes: *The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit Intro Rate Regular APR Annual FEE CardType None 13.900% $0 Reward - Airline Earn Miles 25% Faster than Regular Miles Cards - for Customers with Excellent Credit 13.9% APR on Purchases and Balance Transfers Earn 1.25 Miles for Each Dollar Spent on Purchases No Blackout Dates or Seat Restrictions No Expiration Date on Miles and No Limit on the Miles You Can Earn *See Capital One® Important Disclosures for More Information. Important Notes: *See Capital One® important disclosures for more information.

Brighter Planet™ Visa® Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Other 1 EarthSmart Point for Every $1 Net Retail 1,000 EarthSmart Bonus Points with First Transaction 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point Special Offer: 0% APR for 12 Months The introductory rate is also available for cash advance checks. Important Notes: The fixed APR for purchases and balance transfers varies according to the applicant\'s credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card Intro Rate Regular APR Annual FEE CardType 0.00% 9.900% $0 Reward - Sports Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service Absolute Fraud Protection Against Unauthorized Use, Online and Offline No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure.

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card Intro Rate Regular APR Annual FEE CardType 0.00% 9.900% $0 Reward - Sports *Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additional Cost to You *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: The rebate percentages earned through the reward program are based on a point system. This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Other Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Free 24/7 Concierge Service Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America WorldPoints® Platinum Plus® Visa® Card Intro Rate Regular APR Annual FEE CardType 0.00% 15.990% $0 Reward - Other *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles *No Annual Fee *Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates and More§ *100% Fraud Protection *Online Account Access and Points Management Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America World MasterCard® with WorldPoints™ Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Other Earn 1 Point for Every Net Retail Purchase Dollar Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates No Annual Fee Online Account Access and Point Management Absolute Fraud Protection Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and is either 9.99% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

Bank of America Visa Signature® WorldPoints® Rewards Intro Rate Regular APR Annual FEE CardType 0.00% 9.990% $0 Reward - Other No Annual Fee Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles Earn 1 Point for Every $1 in Net Retail Purchases Absolute Fraud Protection Online Access and 24-Hour Service Access to the MyConcierge Service, a Unique Personal Assistance Service Card Issued by FIA Card Services, N.A. Special Offer: 0% APR for 12 Billing Cycles The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. Important Notes: This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.9% or 15.99%. See website for complete terms and conditions of card usage and application disclosure.

American Express SimplyCash® Business Card Intro Rate Regular APR Annual FEE CardType 0.00% 6.000% $0 Business Earn 5% Cash Back on Automobile Gas, Office Supplies, and Wireless Services Earn 1% Cash Back on Virtually All Other Purchases No Limits to The Cash Back You Can Earn Cash Back is Automatically Credited to the Statement Each Month 0% Introductory APR for Up to 12 Months No Annual Fee with the Flexibility to Pay in Full or Carry a Balance Additional Cards Have No Annual Fee Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz® and More Special Offer: 0% APR for Up to 12 Months A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months. Important Notes: The APR for purchases varies according to the applicant\'s credit history and will be 0.00%, 3.99%, 6.99%, or 9.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

All-Access® Visa® Prepaid Card Intro Rate Regular APR Annual FEE CardType None None $0 Pre-Paid As Seen in Stores Nationwide Extra User Cards – EXCLUSIVE OFFERING! FREE (5% APR) Savings Account - EXCLUSIVE OFFERING! FREE 2-way Text Message Alerts - EXCLUSIVE OFFERING! FREE Mobile Money Transfers - EXCLUSIVE OFFERING! Refer-a-Friend and You Both Get Paid - EXCLUSIVE OFFERING! Direct Deposit - Get Paid Fast Unlimited Purchase Transactions Important Notes: **Although the opening of the account is free, there may be card fulfillment charges (i.e., shipping and handling) of up to $19.95. ***The participation fee is free if the cardholder chooses the pay per transaction plan, or cardholders can choose to pay a monthly fee of up to $9.95 for unlimited signature and PIN transactions. ****The total first year fees does not include the card fulfillment fee, the monthly fee for the FeeAdvantage™ plan, or any transaction fees for the pay per transaction plan. $1 fee per signature purchase transaction with the pay per transaction plan. $2 fee per PIN-based purchase transaction with the pay per transaction plan. Up to $.50 per non-monetary transaction via toll free number. Up to $.50 per non-monetary transaction via ATM. No credit checks. See website for complete terms and conditions of card usage and application disclosure.

Advanta Platinum with Rewards Customized BusinessCard Intro Rate Regular APR Annual FEE CardType 0.00% 7.990% $0 Business 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR Thereafter* 7.99% Variable APR on Purchases Choice of 5% Cash Back on Office Supplies, Gas and More* No Annual Fee and No Limit on Earnings Get Employee Cards with No Fee and Set Spending Limits Per User $0 Fraud Liability Personalized Card -- Your Company Name on The Card, Plus Your Logo or Other Image! *See Terms & Conditions for Important Information, Benefits and Limitations Special Offer: 0% APR for 15 Months A 0% introductory rate is available on balance transfers for 15 months if a transfer is submitted during the application process. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%. Important Notes: Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The APR for cash advances varies according to the applicant's credit history and will be either 7.99% or 19.99%. The minimum APR for the Prime Rate is 7.75%. See website for complete terms and conditions of card usage and application disclosure.

Advanta Life of Balance Platinum Card Intro Rate Regular APR Annual FEE CardType 2.99% 9.990% $0 Business 2.99% APR for Life of Balances Transferred within 3 Months* Choice of 6% Cash Back on Bonus Qualifying Purchases* or Travel Rewards No Annual Fee and No Limit on Earnings Get Employee Cards with No Fee and Set Spending Limits Per User $0 Fraud Liability Personalized Card -- Your Company Name on the Card, Plus Your Logo *See Terms & Conditions for Important Information, Benefits and Limitations Special Offer: 2.99% APR for Life of Balance Transfers The introductory rate is available on balance transfers submitted during the first three months. Important Notes: The APR is based on the highest Prime Rate during a 90-day period. Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The APR for cash advances varies according to the applicant's credit history and will be either 2.24% or 12.24% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.