Best Credit Cards of 2015

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Capital One® VentureOne® Rewards Credit Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 697* | Lowest Approved Score: 629*

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  • 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 March 2016; 11.9%-21.9% 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
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until March 2016 N/AN/A 11.9% – 21.9%* Variable $0

Discover it®

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 674* | Lowest Approved Score: 607*

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  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%*14 Months 0%*14 Months 10.99% – 22.99%* Variable $0

Capital One® QuicksilverOne® Cash Rewards Credit Card

Editor’s Rating: | Credit Needed: Fair | Average Approved Score: 617* | Lowest Approved Score: 537*

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

Discover it® Miles

Editor’s Rating: | Credit Needed: Excellent

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  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases*.
  • Exclusive Double Miles Offer: At the end of your first year - when other Miles cards charge an annual fee - Discover doubles all the Miles you've earned.
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.
  • Discover pays you back for your in-flight Wi-Fi fees - up to $30 a year - with an automatic statement credit.
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number - day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%*12 Months 10.99%*12 Months 10.99% – 22.99%* Variable $0

U.S. Bank Perks+ Visa Signature® Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 0* | Lowest Approved Score: 0*

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  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • 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.
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% – 21.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 674* | Lowest Approved Score: 616*

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  • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until June 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until June 2016 0%until June 2016 10.9% – 20.9%* 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.