Best Credit Cards of 2015

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- Get up to 5% back on purchases or 0% interest for up to 18 months
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Discover it®

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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 6,000 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 Discover card purchases
  • 100% U.S. - based customer service - day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit Needed: Excellent

Average Approved Score: 671*

Lowest Approved Score: 602*

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

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: 655*

Lowest Approved Score: 491*

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

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 February 2016; 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: 698*

Lowest Approved Score: 618*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until February 2016 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 November 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: 616*

Lowest Approved Score: 536*

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

Barclaycard® Rewards MasterCard®

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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: 663*

Lowest Approved Score: 588*

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

U.S. Bank Visa® Platinum Card

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Editor’s Rating — Great For: Low balance transfer introductory rates with no annual fee.

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts

Credit Needed: Excellent

Average Approved Score: 677*

Lowest Approved Score: 573*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%15 Months 0%15 Months 9.99% – 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.