Best Credit Cards of 2014

- Compare the best credit cards from all issuers
- Get up to 5% back on purchases or 0% interest for up to 18 months
- Trust our independent, expert recommendations
- Apply securely online in 7 minutes or less

Discover it® chrome

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Editor’s Rating — Double cash back on gas and groceries.

  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score’s progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases
  • 100% U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Credit Needed: Excellent

Average Approved Score: 689*

Lowest Approved Score: 648*

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

Barclaycard® Ring MasterCard® – 1% Back on Balance Transfers

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Editor’s Rating — Great For: Low interest rates with no balance transfer fees

  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members

Credit Needed: Excellent

Average Approved Score: 734*

Lowest Approved Score: 707*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 8.00%* Variable $0

Discover it® – 18 Month Balance Transfer

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Editor’s Rating — Great For: Saving money on large balance transfers

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • 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.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service--anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit Needed: Excellent

Average Approved Score: 741*

Lowest Approved Score: 702*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%6 Months 0%18 Months 10.99% – 22.99%* Variable $0

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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
  • No limit to the cash back you can earn
  • Your cash back doesn’t expire
  • 0% intro APR on purchases until May 2015
  • 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: 618*

Lowest Approved Score: 573*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until May 2015 N/AN/A 22.9%* Variable $39

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Capital One® Platinum Credit Card

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Editor’s Rating — Great for: Building credit and a low annual fee.

  • Start with no annual fee for the first year; $19 after that
  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want–by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there

Credit Needed: Fair

Average Approved Score: 620*

Lowest Approved Score: 554*

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 intro for first year; $19 after that

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* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.