Top Rated Card Offers

The following credit cards are those to look out for. Qualified individuals will enjoy premium benefits and possibly low interest rates based on credit worthiness. All applicants are not guaranteed low interest rates but those who qualify best can be sure of picking the lowest APR amongst today's credit cards and might just be lucky enough to pick a card offering an interesting point or miles based rewards program. You might want to be on the lookout for an introductory APR period applied towards purchases through a length of time that's acceptable. Our reviews are well-written with most important information easily seen in segregated parts of the article. Feel free to click on each card for a full review listing out card charges and other benefits card members avail of.

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Ultra VX Visa Credit Card

UltraVX makes it easy to manage your finances
Automatic minimum payments
Reports to all 3 major credit bureaus
No credit check, no bank account required
Instant online approval
Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)

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N/A* Intro APR

N/A*Intro Period

18.90%*APR

$0.00*Annual Fee

4.5

Wired Plastic™ Visa® Prepaid Card

Accepted everywhere VISA debit cards are accepted
No Credit Check, Income requirements or bank account required
On Demand Alerts - Manage your account via text messaging
FREE Online Access to Account
FREE Mobile Alerts – Text to your mobile and email
FREE Rewards Program – Earn 1 point for every $1 spent
NO Bounced Check, NSF or Overdraft Charges EVER!
FREE Direct Deposit – Eliminate check cashing fees

N/AOpening Min

N/A*App Fee

$47.40*Annual Fee

$1.95ATM Fee

4.5

Starwood Preferred Guest® Credit Card from American Express

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65

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N/A* Intro APR

N/A*Intro Period

15.24% - 19.24% (V)*APR

$0.00*Annual Fee

4.5

TrueEarnings® Card from Costco and American Express

American Express Card and Costco Membership Card in one — with no annual fee for Costco members
Cash back on the things you buy: 3% on restaurants and gasoline up to $3,000 annually, 2% for travel, and 1% almost everywhere else
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings Cardmembers from Costco and American Express Get approved in 60-seconds.

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0%* Intro APR

6 months on Purchases*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5

American Express® Gold Card

Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged.
Redeem Membership Rewards points for an exclusive array of travel, shopping, dining and entertainment rewards.
Introductory annual fee of $0 for the first year, then $125.
Get a decision in as little as 60 seconds. *Underwritten by AMEX Assurance Company

N/A* Intro APR

N/A*Intro Period

N/A*APR

$125.00*Annual Fee

4.5

Blue Sky from American Express®

7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit.
No annual fee.
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.

0%* Intro APR

12 months*Intro Period

from 17.24 to 22.24% (V)*APR

$0.00*Annual Fee

4.5

United MileagePlus® Explorer Visa® 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

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5

Blue Cash® Everyday(SM) from American Express

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
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
No annual fee, flexibility to pay over time

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0%* Intro APR

12 months on Purchases*Intro Period

17.24% - 22.24% (V)*APR

$0.00*Annual Fee

4.5

The Business Gold Rewards Card® from American Express OPEN

FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
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
$0 introductory annual fee for the first year, then $175
Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year
Terms and Restrictions Apply

N/A* Intro APR

N/A*Intro Period

N/A*APR

$175.00*Annual Fee

4.5

Discover® Open Road® Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

15 months*Intro Period

10.99% - 19.99% (V)*APR

$0.00*Annual Fee

4.5

Discover® More® Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

15 months*Intro Period

10.99% - 20.99% (V)*APR

$0.00*Annual Fee

4.5

The Business Platinum Card® from American Express OPEN

FOR A LIMITED TIME: Earn 25,000 Membership Rewards points by spending $5,000 in the first 3 months.
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

0%* Intro APR

N/A*Intro Period

N/A*APR

$450.00*Annual Fee

4.5

UPside Visa® Prepaid Card

Similar to a checking account with a Visa prepaid card Save up to $220 compared with other cards, the first year alone
100% approval with no credit check and no activation fee $0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
Free Direct Deposit from employers or deposit cash at 50,000 retailers
Write personal checks online: easy to pay rent or other bills
Earn 1,500 cash back reward points for you first direct deposit load
Optional companion card available, as if you had a joint checking

$10.00Opening Min

$0.00*App Fee

$0.00*Annual Fee

$1.50ATM Fee

4.5

mPower™ Visa® Prepaid Card

Fast, easy application – No Credit Checks
$10 Cash Bonus, Activation & Monthly Fees refunded when you use Free Direct Deposit
Quick and Safe Access to your Money
Easy Online Bill Pay
No Minimum Balance

$10.00Opening Min

N/A*App Fee

N/A*Annual Fee

$2.00ATM Fee

4.5

Maximum Rewards Platinum Edition® Visa® Card

0% Intro APR for 12 billing cycles on balance transfers
0% Intro APR for 6 billing cycles on purchases
No annual fee
Earn 1 point for every $1 in qualifying purchases with no limit on the number of points you can earn
Use rewards for travel, merchandise, gift cards and more

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0%* Intro APR

12 months*Intro Period

19.99% - 11.99% (V)*APR

$0.00*Annual Fee

4.5

Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two cards to your account
No mileage earning limit, and miles don't expire
Check your first bag free on every Delta flight
Priority Boarding and 20% In-Flight Savings

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N/A* Intro APR

N/A*Intro Period

15.24% - 19.24% (V)*APR

$150.00*Annual Fee

4.5

READYdebit® Visa® Prepaid Card

100% Guaranteed Approval* – No Credit Checks
Free Direct Deposit – paycheck, benefits, tax refunds
Free Online Bill Payment & Check Writing
No Overdraft Fees or Balance Minimums

$10.00Opening Min

$9.95*App Fee

N/A*Annual Fee

$2.25ATM Fee

4.5

Capital One® Orbitz® Visa® Platinum

3 points per dollar spent on eligible Orbitz.com bookings
Get 1 point per dollar on all other purchases
Bonus points on eligible Orbitz.com bookings
No limit on the points you can earn and points don't expire
Redeem for travel, merchandise, gift cards and more
Earn travel quickly with low redemption minimums
250 point refueling bonus when you redeem points for awards
No annual fee

0%* on purchasesIntro APR

until June 2013*Intro Period

APR: 13.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

American Express Gift Card for Business

Now through December 5, 2010 Business Gift Cards - Get 50% Off Any Shipping option
Accepted at Over a Million Places
Gift Cards can be used virtually everywhere in the U.S. that welcomes American Express Cards.*
Available in a variety of prepaid amounts
Gift Card denomination values range from $25-$500.
Replaceable
If the Gift Card is lost or stolen, the unused balance can be refunded/replaced.*

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$25.00Opening Min

$0.00*App Fee

N/A*Annual Fee

N/AATM Fee

4.5

FlexCard Ultimate Credit Building Prepaid Visa® Card

All credit types accepted
$1500 Cash Advance Available - Applicants must have checking account
Best card for building credit! Reports to major bureaus monthly
$69 one time security deposit upon approval (No Annual/Hidden fees)
Acceptance at millions of locations worldwide

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$10.00Opening Min

N/A*App Fee

N/A*Annual Fee

$2.50ATM Fee

4.5

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Always review the terms and conditions that apply to any offer when making an online application. While every effort is made to ensure the accuracy of the information we provide, changes can occur without notice at any time. All information on credit cards is given without warranty. Certain restrictions, limitations and exclusions apply. Check your Guide to Benefits for details when you open your account.

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