Arrive Financial: Credit Card Intelligence

Review, compare, and apply for the best credit card offers online. Each credit card on our site is hand-picked by our researchers. Questions? Let us know.

Top Rated Credit Card Offers

Chase FreedomSM Credit Card

- The Chase FreedomSM Credit Card earns my Editor’s Pick for General Rewards. For users with average to good credit who do not usually carry a balance, the Chase FreedomSM Credit Card provides an easy way to quickly earn valuable rewards. You’ll get:

» Receive $50 after you make your first purchase
» 3% Cash Back in your top 3 everyday spending categories
» 1% cash back for every $1 you spend on all other purchases
» Receive an extra $50 each time you save and redeem $200 in rewards

FICO Req’d

Intro

Regular APR

Fee

Good

None

15.24%

None

Read the full review

Blue from American Express®

- Editor’s Pick - Low APR - For a great regular interest rate, intro APR, and Balance Transfer rate, Blue from American Express® is the card. You’ll also get the benefits of AMEX’s Membership Rewards Express program with no annual fee.

» Membership Rewards Express program
» 0% APR for up to 15 months
» No Annual Fee
» Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
» Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.

FICO Req’d

Intro

Regular APR

Fee

Good

0% for 15 months

as low as 10.24%

None

Discover® Motiva Card

- Editor’s Pick: Balance Transfers (Tie) - We love that when you transfer a balance to the Motiva(SM) Card, you won’t just get a great 3.9% rate on balance transfers for 12 months, but even better, twice a year you are eligible to get a pay-on-time bonus equal to one month’s interest. You also get:

» 5-20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
» Up to 1% Cashback on all other purchases automatically
» More ways to earn cash than anyone else
» Unlimited cash rewards
» Increase, even double, your rewards when you redeem for gift cards from 80+ Partners
» Intro APR is 0% for 12 months on balance transfers and 0% for 6 months on purchases

FICO Req’d

Intro

Regular APR

Fee

Good

3.9% for 12 Mos*

10.99%

None

Read the full review

Blue Cash® from American Express

- Top Pick: Cash Rewards - Why do we love Blue Cash®?

Other cards can’t top the low, fixed 4.99% balance transfer APR (0%/6 mos. for purchases) and unlimited cash rewards that can be up to 5% of your purchases.Plus, there is no annual fee and you can get online approval in seconds.

Finally, our experiences with American Express have been excellent. Their customer service, card member benefits, and card features all live up to their reputation.

FICO Req’d

Intro

Regular APR

Fee

Good

0% for 6 months

as low as 10.24%

None

Read the full review

Discover® More Card

- The Discover® More(SM) card is one of the best all-around credit cards available, featuring a 0% introductory rate on purchases and balances transfers and a low 10.99% regular APR.

Discover® More Card

Secure Application

This card gives you a 5% Cashback Bonus on purchases in popular categories like travel, home, gas, restaurants, movies, and more. You get 1% cash back on all other purchases automatically and cash rewards never expire. Increase, even double, your rewards when you redeem for gift cards from Discover’s 100 Cashback Bonus Partners.

There’s no annual fee, and Discover® has the best online account management of any credit card making reviewing card activity and paying your bills a breeze, no matter where you are.

Intro

0% for 12 Mos*

APR

10.99%

Annual Fee

None

Credit Req’d

Good

*Discover® More(SM) Card Intro APR is 0% for 12 months on balance transfers and 0% for 6 months on purchases.

Bank of America Cash Rewards Platinum Plus® MasterCard®

- The Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card combines cash rewards, a regular APR as low as 9.99%, and a 0% intro APR on balance transfers.

Secure Application

  • Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.(subject to a 3% transaction fee, no less than $10)
  • For every $2,500 you spend in net retail purchases, you’ll earn $25! That’s a full 1% cash back — with no limit to how much cash back you can earn.
  • No Annual Fee.
  • Absolute fraud protection against unauthorized use, online and offline
  • Intro

    0% / 12 mos on xfers

    APR

    9.99%

    Annual Fee

    None

    Credit Req’d

    Good

    Orchard Bank MasterCard®

    - Take your credit to the next level, with an Orchard Bank MasterCard®. With a unique approach of educating customers on all aspects of obtaining and managing credit, the Orchard Bank MasterCard® continues today as a leader in the credit card industry.

    Secure Application

    Benefits include:

  • Enjoy the prestige of Platinum with no up front fees
  • Premium Platinum benefits including Purchase Protection
  • Great credit card to strengthen your credit
  • Reports to all 3 credit bureaus monthly, which can help improve your credit score
  • Free Online 24-hour Account Access and Bill Pay
  • Periodic credit limit increases
  • Intro

    0% for 6 months

    APR

    as low as 8.9%

    Annual Fee

    None

    Credit Req’d

    Any

    Tribute® Gold MasterCard® Credit Card

    - Having problems getting a credit card due to past credit history?

    Aspire Visa® Gold

    Secure Application

    The Tribute® Gold MasterCard® Credit Card could be the right card for you! APPLY NOW!

  • Low credit score OK!
  • Reports to the Major Credit Bureaus
  • Quick Online Decision
  • Intro

    None

    APR

    19.50% (min)

    Annual Fee

    $150*

    Credit Req’d

    Bad Credit OK

    Read the full review

    Total Visa Card

    - The Total Visa Card offers an instant credit decision and qualifies many people with bad credit, no credit, or who have been denied credit. This card offers:

    Total Visa® Card

    Secure Application

  • Instant On-Line Decision
  • Free 24 hour Online Account Access
  • Monthly Reporting to All Major Credit Bureaus
  • Fraud Protection
  • Outstanding Customer Service
  • Intro

    None

    APR

    19.92%

    Annual Fee

    $48

    Credit Req’d

    Bad Credit OK

    Bank of America WorldPoints® Platinum Plus® Visa® Credit Card

    - For a rewards card that also features a low, low regular APR, the Bank of America WorldPoints® Platinum Plus® Visa® Credit Card is a smart option.

    Secure Application

  • No annual fee
  • Absolute fraud protection
  • Online access and 24-hour service
  • Access to the MyConciergesm service, a unique personal assistance service
  • Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles
  • Intro

    0% / 12 mos on xfers

    APR

    9.99%

    Annual Fee

    None

    Credit Req’d

    Good