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1 Select the type of cards you want to apply for from the Card Types above or read about the different Card Types.
2 Review the details and select for the cards that best suits your needs.
3 Click on the APPLY check mark to use the Secure online application.
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• Check our Glossary to clarify credit cards terms used on applications.

Review Credit Cards
Updated: 5/19/2012
These are the credit cards our research team has found to be the best in their category.
To apply for more than one card, visit SpareCredit.com.
  Low Interest
Click to Find More Information about Citi® Platinum Select® Visa® Citi® Platinum Select® Visa®
0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*
Click to Apply for a Citi® Platinum Select® Visa®   Click to Find More Information about Citi® Platinum Select® Visa® before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent 0.00* 18 Mo. on purchases* 11.99-21.99% (Variable)* $0.00* Yes
  Balance Transfer
Click to Find More Information about Discover® More® Card 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, 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 automatic 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
Click to Apply for a Discover® More® Card   Click to Find More Information about Discover® More® Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent 0.00* 15 Mo. on purchases* 10.99-20.99% (Variable)* $0.00* Yes
  Low Intro
Click to Find More Information about Citi Simplicity® Card Citi Simplicity® Card
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
Peace of mind through direct access to a service representative, no late fees and no penalty rate
No annual fee
Click to Apply for a Citi Simplicity® Card   Click to Find More Information about Citi Simplicity® Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent 0.00* 18 Mo. on purchases* 12.99-21.99% (Variable)* $0.00* Yes
  Easy Approval
Click to Find More Information about Orchard Bank Classic MasterCards Orchard Bank Classic MasterCards
An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns
Click to Apply for a Orchard Bank Classic MasterCards   Click to Find More Information about Orchard Bank Classic MasterCards before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Fair n/a* n/a* 14.99-24.99% (Variable)* $39.00 1 year, then $59.00* Yes
  Cash Back
Click to Find More Information about Citi® Dividend Platinum Select® Visa® Card Citi® Dividend Platinum Select® Visa® Card
$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
Each quarter, you can enroll to earn additional cash back in popular categories.
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*
Click to Apply for a Citi® Dividend Platinum Select® Visa® Card   Click to Find More Information about Citi® Dividend Platinum Select® Visa® Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Very Good 0.00* 12 Mo. on purchases* 12.99-22.99% (Variable)* $0.00* Yes
  Rewards
Click to Find More Information about Chase Freedom<sup>®</sup> Visa - $200 Bonus Cash Back Chase Freedom® Visa - $200 Bonus Cash Back
Click to Apply for a Chase Freedom<sup>®</sup> Visa - $200 Bonus Cash Back   Click to Find More Information about Chase Freedom<sup>®</sup> Visa - $200 Bonus Cash Back before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent
  Flyer Miles
Click to Find More Information about Escape by Discover® Card Escape by Discover® Card
Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information
Click to Apply for a Escape by Discover® Card   Click to Find More Information about Escape by Discover® Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Very Good 0.00* 6 Mo. on purchases* 10.99-16.99% (Variable)* $60.00* Yes
  Car and Gas
Click to Find More Information about Discover® Open Road Card 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! (2012 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
Click to Apply for a Discover® Open Road Card   Click to Find More Information about Discover® Open Road Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Very Good 0.00* 15 Mo. on purchases* 10.99-19.99% (Variable)* $0.00* Yes
  Specialty Card
Click to Find More Information about Starwood Preferred Guest® Credit Card from American Express 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
Click to Apply for a Starwood Preferred Guest® Credit Card from American Express   Click to Find More Information about Starwood Preferred Guest® Credit Card from American Express before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent n/a* n/a* 15.24-19.24% (Variable)* $0.00 1 year, then $65.00* Yes
  Student Cards
Click to Find More Information about Citi Forward® Card for College Students Citi Forward® Card for College Students
No Cosigner required
APR reduction on purchases when using credit wisely
100 ThankYou Points each billing period that you pay on time and stay under your credit limit
Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
Click to Apply for a Citi Forward® Card for College Students   Click to Find More Information about Citi Forward® Card for College Students before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Very Good 0.00* 7 Mo. on purchases* 13.99-22.99% (Variable)* $0.00* Yes
  Business Cards
Click to Find More Information about The Business Gold Rewards Card® from American Express OPEN 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
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 & Restrictions Apply.
Click to Apply for a The Business Gold Rewards Card® from American Express OPEN   Click to Find More Information about The Business Gold Rewards Card® from American Express OPEN before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Excellent n/a* n/a* n/a* $0.00 1 year, then $175.00* No
  Pre Paid Debit
Click to Find More Information about READYdebit® Visa Prepaid Card READYdebit® Visa Prepaid Card
Instant Account Number
Free Credit Score
Free Direct Deposit - paycheck, benefits, tax refunds
Free Unlimited Purchase Transactions.
Free Online Bill Payment & Check Writing
No Overdraft Fees or Balance Minimums
100% Guaranteed Approval* - No Credit Checks
Choose Your Card Color - Blue or Pink
Click to Apply for a READYdebit® Visa Prepaid Card   Click to Find More Information about READYdebit® Visa Prepaid Card before you apply.
Credit Level Intro
APR%		 Intro Period Normal
APR%		 Annual Fee Balance
Transfer
Any n/a* n/a* n/a* $0.00* No

All reasonable efforts are made to collect and provide accurate information. Due to the dynamic nature of cards issuers objectives and requirements, all credit card information is presented without warranty. You may click in the "Apply Now" column to review the credit card terms and conditions on the credit cards issuer's web site and apply via their secure online application.



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