Best Credit Cards of 2015

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U.S. Bank FlexPerks® Travel Rewards American Express® Card

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

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  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 13.99% - 23.99%* Variable $0 for the first year, then $49*

Capital One® Quicksilver® Cash Rewards Credit Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 711* | Lowest Approved Score: 648*

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  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
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 12.9% – 22.9%* Variable $0

PlayStation® Card from Capital One®

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 671* | Lowest Approved Score: 622*

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  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until May 2016, 13.9% - 24.9% variable APR after that
  • No annual fee
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until May 2016 N/AN/A 13.9% – 24.9%* Variable $0

Milestone Gold MasterCard®

Editor’s Rating: | Credit Needed: Fair

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  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design – Free
  • Free online account access
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/A N/A N/A N/A 23.9% $35-$99*

*Dependent on credit worthiness

Capital One® Venture® Rewards Credit Card

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 714* | Lowest Approved Score: 667*

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Great For: Rewards redeemable for any travel expense.

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 12.9% – 22.9%* Variable $0 intro for first year; $59 after that

Journey® Student Rewards from Capital One®

Editor’s Rating: | Credit Needed: Fair | Average Approved Score: 629* | Lowest Approved Score: N/A*

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  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 19.8%* 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.