Best Credit Cards of 2015

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Capital One® VentureOne® Rewards Credit Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 694* | Lowest Approved Score: 632*

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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 per dollar 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 July 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with 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 July 2016 N/AN/A 11.9% – 21.9%* Variable $0

Capital One® QuicksilverOne® Cash Rewards Credit Card

Editor’s Rating: | Credit Needed: Fair | Average Approved Score: 613* | Lowest Approved Score: 534*

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  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016
  • 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 April 2016 0%*until April 2016 22.9%* Variable $39

Barclaycard® Rewards MasterCard®

Editor’s Rating: | Credit Needed: Fair | Average Approved Score: 647* | Lowest Approved Score: 582*

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  • No annual fee
  • 2X cash back rewards on purchases for gas, groceries and utilities
  • 1X cash back rewards on all other purchases
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • 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.
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

Capital One® Platinum Credit Card

Editor’s Rating: | Credit Needed: Fair | Average Approved Score: 602* | Lowest Approved Score: 546*

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  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 24.9%* Variable $0

BuyPower Card from Capital One®

Editor’s Rating: | Credit Needed: Good | Average Approved Score: N/A* | Lowest Approved Score: N/A*

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  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • Save even more when you combine your available Earnings with most current GM offers and incentives
  • 0% intro APR on purchases for 12 months, then an 11.9% – 19.9% variable APR on purchases will apply
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

U.S. Bank FlexPerks® Select+ American Express® Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: N/A* | Lowest Approved Score: N/A*

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  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A 0%*9 Months 13.99% - 23.99%* 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.