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®

Apply Now »

Editor’s Rating — Great For: Cash back rewards in revolving categories like dining, travel or gas.

  • 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 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • 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 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: 691*

Lowest Approved Score: 658*

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

NFL Extra Points Credit Card

Apply Now »

Editor’s Rating — Great For: Earning rewards on NFL purchases

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops
  • Special financing on all ticket purchases made with your card from any participating NFL team ticket office
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for cash back statement beginning at 2,500 points, VIP NFL experiences, game tickets and more
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR on balance transfers, currently 14.99% or 22.99%, based on your creditworthiness

Credit Needed: Fair

Average Approved Score: 676*

Lowest Approved Score: 624*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A 0%*15 Months 14.99% or 22.99%* Variable $0

Miles & More® Premier World MasterCard®

Apply Now »

Editor’s Rating — Great For: Travel rewards and low introductory rates

  • Earn 20,000 award miles after your first purchase and payment of the annual fee
  • Earn an additional 30,000 award miles when you spend $5,000 in purchases within the first 90 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners and 1 mile per $1 on all other purchases
  • Cardholders receive a companion ticket after first purchase and payment of the annual fee and annually thereafter
  • No foreign transaction fees on purchases made outside the U.S
  • Redeem miles for flight awards and upgrades on Lufthansa,Star Alliance member airlines, Austrian Airlines, Brussels Airlines, SWISS, and other partners
  • $79 Annual Fee. Please see Terms and Conditions for complete details

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 684*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A 0%15 Months 15.99% or 24.99%* Variable $79

Capital One® VentureOne® Rewards Credit Card

Apply Now »

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

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

Credit Needed: Excellent

Average Approved Score: 692*

Lowest Approved Score: 668*

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

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now »

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 August 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: 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 August 2015 N/AN/A 22.9%* Variable $39

The CarnivalTM MasterCard®

Apply Now »

Editor’s Rating — Great For: Travel benefits and no annual fee

  • 0% Introductory APR for 15 months for each Balance Transfer made within 45 days of account opening, and a variable rate of 13.99%, 16.99% or 20.99% APR thereafter, depending on your creditworthiness
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn DOUBLE points on any CarnivalTM purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on CarnivalTM or other eligible World’s Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details

Credit Needed: Excellent

Average Approved Score: 696*

Lowest Approved Score: 613*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A 0%15 Months 13.99%, 16.99% or 20.99%* 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.