Best Credit Cards of 2014

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- Get up to 5% back on purchases or 0% interest for up to 18 months
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The CarnivalTM MasterCard®

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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: 665*

Lowest Approved Score: 595*

Intro APR
Purchases
Intro Term
Purchases
Balance Transfer
Intro APR
Regular APR Annual Fee
N/AN/A 0% intro for 15 Months
within 45 days of account opening
13.99%, 16.99% or 20.99%* Variable $0

Capital One® Platinum Credit Card

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

  • Start with a $0 intro 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
  • 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

Credit Needed: Fair

Average Approved Score: 607*

Lowest Approved Score: 526*

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

Capital One® Platinum Prestige Credit Card

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Editor’s Rating — Great For: Balance transfers and low introductory rates.

  • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 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

Credit Needed: Excellent

Average Approved Score: 672*

Lowest Approved Score: 613*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until March 2016 0%until March 2016 10.9% – 18.9%* Variable $0

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NFL Extra Points Credit Card

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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
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness

Credit Needed: Fair

Average Approved Score: 669*

Lowest Approved Score: 598*

Intro APR
Purchases
Intro Term
Purchases
Balance Transfer
Intro APR
Regular APR Annual Fee
N/AN/A 0% intro for 15 Months
within 45 days of account opening
14.99%, 19.99% or 24.99%* Variable $0

The Travelocity® Rewards American Express® Card

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Editor’s Rating — Great For: Travel rewards including airline, car rental, and hotels.

  • Earn 5,000 bonus points after your first purchase
  • Earn 3 points per $1 spent on eligible Travelocity purchases
  • Earn 1 point per $1 spent on all other purchases
  • Points can be redeemed for statement credits towards Travelocity purchases for Flights, eligible Hotels and Vacation Packages, with no blackout dates
  • No Annual Fee
  • Please see Terms and Conditions for complete details

Credit Needed: Excellent

Average Approved Score: 657*

Lowest Approved Score: 590*

Intro APR
Purchases
Intro Term
Purchases
Balance Transfer
Intro APR
Regular APR Annual Fee
N/AN/A 0% intro for 15 Months
within 45 days of account opening
14.99%, 21.99% or 24.99%* Variable $0

Miles & More® Premier World MasterCard®

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

  • Earn 20,000 award miles after first purchase and payment of the annual fee
  • 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
  • Annual Companion Ticket after first purchase and annually thereafter
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
  • 0% Intro APR on Balance Transfers made within 45 days of account opening. After that, a variable APR currently 15.99% or 24.99%, based on your creditworthiness
  • $79 Annual Fee, waived for SEN and HON Circle Members

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 684*

Intro APR
Purchases
Intro Term
Purchases
Balance Transfer
Intro APR
Regular APR Annual Fee
N/AN/A 0% intro for 15 Months
within 45 days of account opening
15.99% or 24.99%* Variable $79
* Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.