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Secure Online Credit Card Applications

Our newest credit card comparison report rates credit cards that offer online credit card applications. It is quick and convenient to apply online. Some cards offer expedited online credit card application processing- also known as instant approval credit cards.

Select cards offer expedited online application processing and/or online approval to qualified applicants. All online applications are safe and secure. Finally, many featured credit cards offer online balance transfers that have introductory credit card rates as low as 0%. Such low rate offers could help save you 1000s of dollars in interest or finance charges.

Confusion Rampant Regarding Increased Credit Card Minimum Payments I was anxious when asked to write a follow-up for the CardRatings.com feature Credit Card Minimum Payments Rising Soon since this is a pet topic of mine. There has been much confusion in the media regarding this topic and notable fear among consumers. Read more >>

Mastercard Launches New Site to Help Consumers Eliminate Credit Card Debt MasterCard has recently launched a consumer assistance site called Debt Know How. I found it not only loaded with great tips and information but a solid reference work for those in need of varying financial calculators. The site is divided into 6 parts. Read more >>

Citibank and American Express Announce Major Credit Card Alliance Citibank (Citi), the largest MasterCard issuer, and American Express recently announced a major partnership whereby Citibank will issue 5 of its popular card offers on the American Express network. The new Citi American Express Cards will feature premium benefits. Read more >>

Bad or No Credit Featured Cards

If you have had problems obtaining attractive unsecured credit cards, then we suggest that you consider our featured Orchard Bank Secured MasterCard. This secured credit card is an excellent way for you to rebuild your credit or establish credit. This MasterCard works just like any other credit card and will actually report to the credit bureaus just like any other credit card.

The only difference is that you must open a savings account. Upon approval, you are guaranteed a credit line equal to 100% of your savings deposit. Your deposit will even earn interest. Features a low annual fee of $35 and a secure online application. No processing or application fees. Reports to all three credit bureaus each month.

If you prefer an unsecured credit card (and are willing to pay higher fees), then consider the Orchard Bank Unsecured MasterCard. This card is designed for consumers seeking to reestablish their credit. Offers an annual fee as low as $0 and a secure, online application - unsecured credit card application. Rebuild your credit. Reports to three major credit bureaus every month.

Featured Airline Reward Credit Cards

The Value MilesSM Platinum Visa® program has received our superior 5 star rating. Cardholders earn airline miles just by using the card to make everyday purchases. Earn frequent flyer miles on every purchase you make. Reward points can be redeemed for travel on major airlines (you are not restricted to one airline). Apply online for this card.

Also consider Blue from American Express®. Virtually all purchases with Blue can earn you points toward all kinds of great travel, including numerous airline partners, and retail rewards. You can redeem your points for frequent flyer miles. Best of all, the rewards program is free. You can apply online and get approved online. Low APR.

Free Credit Report & Free Credit Score

Consumer advocacy groups recommend that you obtain a copy of your credit report at least once a year to reduce the risk of identity theft and fraud. The good news is that you can now instantly obtain your Experian credit report online (featured offer) without cost or obligation. Other credit reports cost up to $9.50. Note! By law, some consumers, including residents of certain states, are entitled to a free credit report exclusive of this offer.

This free credit report offer includes a free 30 day subscription to CreditManager. CreditManager is the only online credit management product actually designed by Experian, a credit bureau. Includes daily email updates that notify you of changes in your credit report and alert you to fraud. Start taking control of your credit today.

Similarly, it is recommended that you know what your credit score is when "shopping for credit cards". A high credit score is often the key to obtaining the best credit cards (a good credit score will increase your likelihood of getting approved for the best credit cards). CreditManager now offers consumers the ability to obtain your credit score online instantly from Experian (featured offer) without cost or obligation (includes your current Experian credit report as discussed above). This free credit score offer is truly unique - credit scores normally cost up to $14.95. Also offers insider tips on how to manage and improve your credit score.

Insider tips! Subscribe to our popular e-mail newsletter to receive updated credit card reviews, including updated reviews of the best rated credit cards, and the opportunity to receive a free t-shirt. Be sure to visit our newsletter archive.

If you are a cardholder that is struggling with debt, then we highly recommend that you read the latest in Robert Kiyosaki's book series that deals with various debt issues. We were pleased to give away 10 book copies during a holiday promotion courtesy of Time Warner Books.

We are proud to offer consumers an active message board and daily credit news. Our board is actively monitored and currently has over 36,000 posts (since May 2000). New posts are added daily! Our news articles are written by our staff writers and are distributed via Google News and our RSS news feed.

New! We are proud to announce that we are now archiving posts from our old board! You will now be able to search older posts via the new board interface. This has been a very tedious process- we appreciate your patience. We have also created a new blog and are now offering RSS feeds. Bloggers are welcome! :0)

We volunteer on a regular basis to educate consumers about credit cards in public settings, such as college campuses. Special thanks to Professor Mary Ann Campbell, CFP for allowing us to recently address her undergraduate personal finance class at the University of Central Arkansas. Among other accomplishments, Mary Ann has served as the presidentially appointed Chair of the National Women's Business Council.

We also participate in financial education efforts by being a National Partner of the Jump$tart Coalition for Financial Literacy. Jump$tart, a non-profit organization, targets K-12 and college students. We are proud that Curtis Arnold, our Founder, is co-chair of the Arkansas Jump$tart Coalition. We are also proud to have been mentioned in a news piece in "Bridges", a quarterly publication by the Federal Reserve Bank of St. Louis. The news piece dealt with our participation in a outreach effort at the Ark. State Capitol. View a pic of the 2005 proclamation signing ceremony!

Finally, we are proud to financially support various charities and non-profit organizations, such as PBS, the Arkansas Festival Ballet (AFB) and Ballet Memphis. PBS is owned and operated by the nation's 348 public television stations. Founded in 2000, AFB is committed to promoting the arts in rural sections of Arkansas.

Welcome to our award-winning website! We have been educating consumers about credit cards since 1998 and have been featured by hundreds of media outlets including Good Morning America, The Wall Street Journal, Consumer Reports®, The Early Show on CBS & PBS. Thanks to consumers like you, our site has become the most comprehensive free source for comparing credit card offers.

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January's Featured Card: About
Featured Card Up To 5% Cash Back- Apply Online

Consumer advocates suggest that you know your credit score. You can now obtain your three credit scores for free instantly online!

Featured Cash Back Rebate Credit Cards

Want a highly rated cash rebate credit card? Then consider the Citi® Dividend Platinum Select® MasterCard®, which offers a full 5% cash rebate on eligible everyday purchases. The cash rebate amount you earn will depend on your type of spending. Apply online. No annual fee. 0% Intro APR on balance transfers for 12 months. Your credit line will vary.

Interested in a rebate credit card offer? Then consider the AT&T; Cash Rewards Card. This card features up to 5% back on select purchases and an unsecured credit limit. Online account access. Enjoy a full 5% cashback award on select purchases. 0% Intro APR on balance transfers. Good credit required.

Featured Low Rate Credit Cards

The AT&T; Universal Platinum Credit Card has received our superior 5 star rating. This card offers a 0% fixed introductory APR for 12 months from account opening on balance transfers and a 10.63% variable purchase APR. Apply online.

Also consider the Pulaski Bank Card, which offers a 0% Intro APR on balance transfers and a low 7.99% fixed APR on purchases. Apply online. Note! You must have excellent credit to qualify. Features include a low annual fee, no fees on balance transfers, online account access, free additional cards, and up to a $10,000 credit line.

Featured Low Intro Rate Credit Cards

Want to avoid balance transfer fees? Then consider the AT&T; Universal Platinum Credit Card, which offers a 0% fixed introductory APR for 12 months from account opening on balance transfers and as low as a 10.63% variable purchase APR. Apply online.

Also, consider the Discover® Platinum Card, which offers a 0% introductory APR* on balance transfers and a convenient online application. The online application is fast, easy and secure. Earn a cash rebate on every credit card purchase.

Finally, consider the Chase Cash Plus® Rewards Visa®. This card offers a 0% fixed APR for balance transfers for up to 12 billing cycles following the opening of your account. Online credit card application. No annual fee. Offers as low as 12.49% ongoing variable APR following intro. period to select applicants. Good credit required for this card.

Featured Small Business Credit Cards

The CitiBusiness® Platinum Select® MasterCard® has received our superior 5 star rating and features a convenient online application. Enjoy an introductory 0% interest rate on balance transfers for 12 months from the date that your account is opened. Following the intro. period, an attractive variable annual percentage rate (APR) for purchases of 11.99% applies. No annual fee. Offers complimentary business services & special savings on business products and services. Generous corporate credit card credit line.

Prefer a card issued by American Express? Then consider the Blue Cash® for Business Card. This card has no annual fee and a low 0% introductory rate. Offers Express ApprovalSM online in less than one minute and the ability to pay over time or in full.

Featured Student Credit Cards

Seeking a student credit card that has great benefits? Then consider the Citi® Platinum Select® Visa® for College Students. This card offers a fixed introductory 0% APR for purchases and balance transfers for 6 months. Apply online for this card.

This card features a secure online application and offers many free benefits. There is no annual fee for this card and it is designed for university and college students. This card has received our superior 5 star rating.

Consumer alert: Tempted by a fixed APR offer? Don't let such offers fool you. The interest rates on fixed rate credit cards can and do change.

Do certain credit cards look better on your credit report and thus improve your credit score? Scott Bilker, the author of the best-selling book "Credit Card and Debt Management", discusses this engaging topic. Includes tips on paying off credit cards.

The best ways to consolidate credit card debt. Read this article before you fill out another credit card application. Includes info. about credit card comparisons, instant low rate balance transfer credit card offers (including 0% credit card balance transfers), low rate credit card offers, and fixed rate credit card offers.

Cardholder Reviews

AT&T; Universal Platinum Credit Card: I wish I would have found this credit card site before I received a credit card application approval. I choose to apply for a 0% low intro rate credit card for 12 months (introductory balance transfer rate offer), but didn't get it. Online credit cards...(Review by T.K.I. Average rating for this card is 2.64.)

Discover® Card (Cash Back): When I first heard about this credit card, I thought my dreams had come true! Low balance transfer rate and low purchase rate, not only for the first 6 months or introductory offer, but after that they were hardly going to rise. Then the rates started to rise following the expiration of teaser rate offer... (Review by ph. Average rating for this card is 3.53.)

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