Smart consumers comparison shop for credit cards because it saves them money. When looking for the best credit card, costs and terms should be taken into consideration. They can make a difference in how much you pay for the using the card. Compare the costs and terms of several credit cards to find the plan that best fits your spending and payment habits. While the outstanding balance and the periodic rate are important factors in choosing a credit card, they shouldn't be the only considerations. Other plan features may be more important, depending on the use of the card. For example, if the monthly bill isn't going to be paid in full, the best credit card will be the one that carries a low interest rate or APR. On the other hand, if the monthly bill will always paid in full and card rewards such as frequent flyer miles aren't needed, the best choice may be a credit card that has no annual fee and offers a longer grace period. Even if credit is less than perfect, most credit card companies can get customers the credit card that's right for them.
Best Credit Cards for Bad Credit / No Credit:
AccountNow Prepaid MasterCard - 100% guaranteed approval. Free credit builder and bill pay.
American DreamCard - The first and only Pooled Rewards credit card. Build or re-build your credit.
Eufora Pre-Paid MasterCard - 100% guaranteed approval with no credit check. Perfect for bad credit or no credit.
New Millennium Bank Secured Platinum Visa or MasterCard - No credit check. Auto rental insurance.
Orchard Bank Classic MasterCard - Periodic credit limit increase reviews to strengthen your buying power.
Best Credit Cards for Fair Credit:
Capital One MTV Visa Card - Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events.
First Pemier Bank Gold MasterCard - Low APR on purchases.
SilverCard Prepaid MasterCard - Perfect card for government benefits checks recipients. 100% guaranteed approval.
Best Credit Cards for Good Credit:
Capital One Orbitz Visa Platinum - 3 points per dollar spent on eligible Orbitz.com bookings.
Chase Freedom Credit Card - 0% intro APR on purchases for up to 12 months.
Citi mtvU Platinum Select Visa Card for College Students - Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
Best Credit Cards for Excellent Credit:
American Express Preferred Rewards Gold Card - Earn 10,000 Membership Rewards bonus points when you spend $500 in 3 months, redeemable for a $100 gift card.
Citi Platinum Select MasterCard - Citi Identity Theft Solutions. $0 Liability on unauthorized purchases.
Discover More Card - Up to 1% unlimited Cashback Bonus on all other purchases automatically.
Palms Platinum Access Rewards VISA Card - Get in on special access no other card can give you, including free room upgrades, front-of-the-line passes to Palms night clubs, and more.
Visa Black Card - Limited membership. Exclusive rewards program. Luxury gifts.
Enter the Credit Card you wish to apply for:

- Ten questions to ask when applying for a credit card:
- What is the APR?
- How long is the grace period?
- How is the finance charge calculated?
- What are the fees?
- What are the cash advance features?
- How much is the credit limit?
- Does the card offer incentives and other features?
- What are your liability limits?
- What can you do about billing errors?
- What if the item you purchase is damaged?
Consolidated Credit Counseling Services, Inc. Offers Tips to Consumers Dealing with Credit Crisis
Consolidated Credit Counseling Services warns: credit card customers who carry a balance and have an interest rate below 10% will see their interest rates jump into double-digit territory
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