Card Type

With a shaky national economy and what may seem like an unlimited amount of credit card offers to choose from, choosing the correct credit card for you is certainly not the easiest thing to do. Thankfully, eCreditCards has compiled the best choices for you and provided key, crucial, and easily accessible information about them.

The Discover Open Road card is a good choice for those who travel and frequent gas stations, given that it offers two percent cash back with every gas station and restaurant purchase year-round. Discover has been ranked #1 in customer loyalty for the past fifteen years. The Miles card, also provided by Discover, is another card ideal for those who travel. With this card you will earn one mile for every dollar you spend. If you rent a car using this card, secondary collision damage insurance is also included.

For those who prefer to travel by air, there are a multitude of great cards to choose from. The Chase Continental Airlines OnePass Plus Card and the United MileagePlus Explorer Card allow cardholders to earn up to 40,000 bonus miles, not to mention that the card is free for the first year. With both cards you can enjoy travel perks such as priority boarding privileges and miles with no expiration date.

For those who prefer cards with no annual fees, the Citi Platinum Select MasterCard and the Blue Cash Everyday(SM) Card from American Express are both options to consider. The Citi Card provides free and secure online account management, and the American Express card doesn’t require a spend minimum or enrollment, and it does not have rotating reward categories. Both cards are great for those looking for a hassle-free credit card.

If Cash Back Rewards are what you’re on the prowl for, there are a variety of cards offering great cash back and reward opportunities. The Chase Freedom Visa comes with $100 cash back if you make $500 worth of purchases within your first three months. Each quarter, your reward categories change, and it is free and easy to activate your bonus each quarter. Similarly, the Chase Freedom Visa Card offers similar hassle-free rewards. The rewards for both cards do not expire, and there is no annual fee. Also perfect for those who love rewards is the InkCash(SM) Business, which offers similar perks for those who own their own business.

If security and customer-service accessibility are on your mind, the Discover More Card and Orchard Bank Classic MasterCard may be just what you’re looking for. The Discover More card provides 24/7 access to a U.S based Account Manager within sixty seconds. With the Orchard Bank Classic MasterCard, on-call customer service representatives are made available to assist you with your questions and concerns.

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Reward

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United MileagePlus® Explorer Card

Earn up to 40,000 bonus miles & first year free, a $95 value
First checked bag is free for you and a companion when you fly United flights, up to a $50 value
Board your flight before general boarding with priority boarding privileges
Visit the United Club with two complimentary day passes every year, up to a $100 value
Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
Your miles don't expire and there is no limit to the number of miles you can earn

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24%(Variable)	$95, waived the first year*	Yes*	Excellent*

Marriott Rewards Premier® Credit Card from Chase

Earn 50,000 Bonus Points after your first use
Receive 1 free night stay upon account approval and each year upon account anniversary
Earn 5 points for every $1 spent at Marriott® locations
Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
Earn 1 point for every $1 spent on other purchases
No foreign transaction fees
Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24% (Variable)	$0 introductory annual fee for the first year, then $85*	15.24% (Variable)	Excellent*

American Express® Premier Rewards Gold Card

Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
Get a decision in as little as 60 seconds

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	Introductory annual fee of $0 for the first year, then $175*	N/A*	Excellent*

Business

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SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases
Get 3% cash back on automobile gasoline
Get 1% cash back on other purchases
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	N/A*	N/A*	No annual membership fee*	N/A*	Excellent*

The Business Platinum Card® from American Express OPEN

Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
Complimentary airport club access to 600+ partner lounges, a $950/yr value
By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
No pre-set spending limit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$450*	N/A*	Excellent*

The Business Gold Rewards Card® from American Express OPEN

Earn points even faster to get more rewards for your business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
One million rewards from over 500 brands
Unlimited Rewards Potential – there is no limit to the number of points you can earn and points do not expire
24/7 support for everything from identity theft to travel emergencies
Get unlimited Additional Gold Cards for an additional annual fee of $50 — and this fee is waived for the first year

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 introductory annual fee for the first year, then $175*	N/A*	Excellent*

Cash Back

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Blue Cash Everyday℠ Card from American Express

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months*	0% intro APR on purchases for 12 months, flexibility to pay over time*	No annual fee, flexibility to pay over time*	17.24-22.24% Variable*	Excellent*

Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Discover® More Card – 18 Month Promotional Balance Transfer

0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99-20.99% (V)**	$0*	Intro: 0% 18 months*	Good - Excellent Credit*

Balance Transfer

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Blue Cash Everyday℠ Card from American Express

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months*	0% intro APR on purchases for 12 months, flexibility to pay over time*	No annual fee, flexibility to pay over time*	17.24-22.24% Variable*	Excellent*

Blue Sky from American Express®

7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel —anytime.
Pay your bill all at once, or over time. It’s up to you.
Blue Savings Program®: big deals on big brands, all the time.
Get a decision in as little as 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months *	17.24-22.24% Variable*	No annual fee*	17.24-22.24% Variable*	Excellent*

Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Travel Airline

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United MileagePlus® Explorer Card

Earn up to 40,000 bonus miles & first year free, a $95 value
First checked bag is free for you and a companion when you fly United flights, up to a $50 value
Board your flight before general boarding with priority boarding privileges
Visit the United Club with two complimentary day passes every year, up to a $100 value
Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
Your miles don't expire and there is no limit to the number of miles you can earn

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24%(Variable)	$95, waived the first year*	Yes*	Excellent*

Marriott Rewards Premier® Credit Card from Chase

Earn 50,000 Bonus Points after your first use
Receive 1 free night stay upon account approval and each year upon account anniversary
Earn 5 points for every $1 spent at Marriott® locations
Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
Earn 1 point for every $1 spent on other purchases
No foreign transaction fees
Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	15.24% (Variable)	$0 introductory annual fee for the first year, then $85*	15.24% (Variable)	Excellent*

Starwood Preferred Guest® Business Credit Card from American Express OPEN

Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%*	See Website*	15.24% Variable*	$0 introductory annual fee for the first year, then $65*	N/A*	Excellent*

Student

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Discover® Student Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
No Annual Fee
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	9 months*	12.99%-18.99% (V)*	$0*	N/A*	*

Discover® Student Card – $20 Cash Back Bonus

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	12.99%-18.99% (V)*	$0*	N/A*	*

Discover® Student Open Road

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
Double Cashback Bonus®* at gas stations and restaurants.
$0 Fraud Liability - you will not be responsible for unauthorized charges
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	For 9 Months*	12.99%-18.99% (V)*	$0*	N/A*	*

Prepaid Debit

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Black Diamond Prepaid Visa® RushCard

Free Direct Deposit - sign up now and have a safe place to put your tax refund
Guaranteed approval - no credit check required
Online bill pay and free text alerts
Free Prescription Discount Card from RushCard - save up to 85% on prescriptions

NetSpend® Visa® Prepaid Debit Card

100% Approval - No credit check required*
Get paid up to 2 days faster with free Direct Deposit*
Pay rent, utilities and other bills online or over the phone
Track spending with online budgeting tools and alerts to your mobile phone

AccountNow® Gold Visa® Prepaid Card

100% guaranteed approval*
No Activation Fee
Free Direct Deposit
Cash Rewards on certain purchases

Low Interest

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Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Discover® More Card – 18 Month Promotional Balance Transfer

0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99-20.99% (V)**	$0*	Intro: 0% 18 months*	Good - Excellent Credit*

Simmons First Visa® Platinum

Excellent credit required - applicants that do not have excellent credit will not be
approved
Low 7.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	7.25%*	$0*	7.25%*	*

0% APR

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Blue Cash Everyday℠ Card from American Express

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months*	0% intro APR on purchases for 12 months, flexibility to pay over time*	No annual fee, flexibility to pay over time*	17.24-22.24% Variable*	Excellent*

Blue Sky from American Express®

7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel —anytime.
Pay your bill all at once, or over time. It’s up to you.
Blue Savings Program®: big deals on big brands, all the time.
Get a decision in as little as 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 months *	17.24-22.24% Variable*	No annual fee*	17.24-22.24% Variable*	Excellent*

Discover® More Card

5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 months*	10.99-20.99% (V)**	$0*	Intro: 0% 15 months*	Good - Excellent Credit*

Secured

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First Progress Secured MasterCard®

Full-feature Platinum MasterCard secured credit card
No credit history or minimum credit score required for approval
Monthly reporting to all 3 major credit bureaus to establish more credit history
Quick & complete online application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	Prime Rate + 11.74%*	$39*	N/A*	*

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

ZERO - 0% FIXED APR on purchases - No Intro Rates!
ZERO - 0% Rate Won't Change - Even If You're Late!
ZERO Application Fees
ZERO Worries - FREE Personal ID Theft Protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	0% on purchases*	See Terms*	N/A*	*

Applied Bank® Secured Visa® Gold Credit Card

Guaranteed Approval Regardless of Your Past Credit History
9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late
Choose Your Credit Limit - From $200 to $5,000
Highest Ratings for Financial Strength and Security in the Country

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	9.99% Fixed*	$50*	N/A*	Poor - Bad, Limited/No Credit*

Instant Approval

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Black Diamond Prepaid Visa® RushCard

Free Direct Deposit - sign up now and have a safe place to put your tax refund
Guaranteed approval - no credit check required
Online bill pay and free text alerts
Free Prescription Discount Card from RushCard - save up to 85% on prescriptions

AccountNow® Gold Visa® Prepaid Card

100% guaranteed approval*
No Activation Fee
Free Direct Deposit
Cash Rewards on certain purchases

UPside Visa® Prepaid Card

Save up to $220 compared with other prepaid cards
Similiar to a checking account. No credit check. No activiation fee.
$0.99 monthly fee with total load of $500 or more
Free Direct Deposit from employers or load cash at 50,000 retailers