Credit Cards: Compare Offers by Type, Score & Annual Fee
Compare credit card offers and find the right card for your needs
Find the Right Credit Card: Filter by Score, Type & Fee
Compare Top Credit Card Offers from Leading Issuers
Chase Sapphire Preferred
Annual Fee
$95
Rewards Rate
2-5x points
Intro APR
0% for 12 months
Credit Needed
Good to Excellent
Best for: Travel rewards
American Express Blue Cash Preferred
Annual Fee
$95
Rewards Rate
1-6% cash back
Intro APR
0% for 12 months
Credit Needed
Good to Excellent
Best for: Everyday spending
Citi Double Cash
Annual Fee
No annual fee
Rewards Rate
2% cash back
Intro APR
0% for 18 months
Credit Needed
Good to Excellent
Best for: Flat-rate cash back
Discover it Cash Back
Annual Fee
No annual fee
Rewards Rate
1-5% cash back
Intro APR
0% for 15 months
Credit Needed
Good
Best for: First-year rewards
Capital One Venture
Annual Fee
$95
Rewards Rate
2x miles
Intro APR
N/A
Credit Needed
Good to Excellent
Best for: Travel miles
Who Qualifies for a Credit Card?
Typical Eligibility Requirements for Credit Cards
| Requirement | Description | Minimum | Recommended |
|---|---|---|---|
| Age | You must be of legal age to enter into a credit agreement. | 18+ years old | Same as minimum |
| Identification | A Social Security Number or Individual Taxpayer Identification Number is required. | Valid SSN or ITIN | Same as minimum |
| Credit Score | Your credit score affects approval and card terms. | 580+ for basic cards | 700+ for premium rewards cards |
| Income | You must have income to qualify for a credit card. | Verifiable income | Stable income source |
| Residency | Most credit card issuers require US residency. | US mailing address | Same as minimum |
* Requirements vary by lender. Meeting minimum requirements does not guarantee approval.
Is a Credit Card Right for You? Pros & Cons
Pros of Credit Cards
- Helps build credit history with responsible use
- Rewards programs (cash back, points, or travel miles)
- Purchase protection and extended warranties
- Emergency funding for unexpected expenses
- Fraud protection and zero liability policies
Cons of Credit Cards
- High interest rates if balance isn't paid in full
- Potential for debt accumulation
- Annual fees on premium cards
- Can hurt credit score if misused
- Additional fees (late payment, cash advance, foreign transaction)
Step-by-Step: How to Apply for a New Credit Card
How to Apply for a Credit Card
- 1
Check Your Credit Score
Review your credit report and score to understand which cards you might qualify for and to identify any issues that need to be addressed.
- 2
Compare Card Features
Research different cards to find one that matches your spending habits and financial goals. Consider APR, rewards, annual fees, and other benefits.
- 3
Apply Online with Your Details
Complete the application form with your personal information, including name, address, Social Security number, income, and employment details.
- 4
Await Approval Decision
Many issuers offer instant decisions, while others may take a few days to review your application. Some may request additional documentation.
- 5
Activate and Use Your Card
Once approved, you'll receive your card in the mail (typically within 7-10 business days). Activate it following the instructions provided and begin using it responsibly.