Best Credit Cards of 2014

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- Get up to 5% back on purchases or 0% interest for up to 18 months
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U.S. Bank Perks+ Visa Signature® Card

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Editor’s Rating

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 23.99%.
  • Earn 2X points on Gas and Grocery net purchases for the first 12 months.
  • Earn 1 point for every dollar spent on everything else.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back3, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%*12 Months 0%*12 Months 11.99% – 23.99%* Variable $0

Discover it®

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Editor’s Rating

Credit Needed:

Average Approved Score: *

Lowest Approved Score: *

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee

BuyPower Card from Capital One®

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Editor’s Rating — Great For: Earning rewards that never expire

  • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle
  • Get 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Your Earnings don’t expire and there’s no limit on how much you can earn or redeem
  • For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases
  • No foreign transaction fees
  • No annual fee

Credit Needed: Good

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%12 Months N/AN/A 11.9% – 19.9%* Variable $0

Capital One® VentureOne® Rewards Credit Card

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Editor’s Rating — Great For: Travel rewards with no foreign transaction fees.

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until December 2015; 11.9%-19.9% variable APR after that
  • Travel when you want-no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn

Credit Needed: Excellent

Average Approved Score: 694*

Lowest Approved Score: 608*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until December 2015 N/AN/A 11.9% – 19.9%* Variable $0

Capital One® QuicksilverOne® Cash Rewards Credit Card

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Editor’s Rating — Great For: Cash back rewards and low intro rates.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until September 2015; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen

Credit Needed: Fair

Average Approved Score: 614*

Lowest Approved Score: 533*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%*until September 2015 0%*until September 2015 22.9%* Variable $39

Barclaycard® Rewards MasterCard® – Average Credit

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Editor’s Rating — Great For: Rewards for spending on gas and groceries

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Credit Needed: Fair

Average Approved Score: 664*

Lowest Approved Score: 591*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 24.99%* Variable $0
* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.