CardCreditOffers.com

Top Rated Credit Cards for July 2016

CardCreditOffers.com – the No.1 website resource for credit card offers and online credit card applications. We strive to provide you with the information and resources necessary to help you find the perfect credit card offer to fit your needs. We continuously monitor the ever-changing credit card market to bring you the latest and highest-rated credit cards.

Top Credit Cards
Card Name/Rating Annual Fee APR Credit Needed

Account Now Gold Visa® Prepaid Card

Account Now Gold Visa® Prepaid Card

$0 Activation Fee.

  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • No credit check, minimum balance, free direct deposit.
  • Fees and usage limits.
  • APR for Purchases: N/A
    APR for Cash Advances:
    Annual Fee: up to $9.95 monthly fee
    Annual Fee Details: up to $9.95 monthly fee
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The , issued by The Bancorp Bank, is a prepaid card that is accepted anywhere Visa debit cards are accepted. Cardmembers can enjoy faster, easier access to their money with no credit bureau checks, minimum balance, bounced checks, late or overdraft fees.

This stored value card is designed for those who may have difficulty obtaining a standard unsecured credit card. It allows cardholders to enjoy the convenience of a bank account and the privilege of a gold card, all in one.

Free to Shop With No Fees - With the AccountNow Gold Visa® Prepaid Card, there are no late or overdraft fees and no minimum balance requirement.

Withdraw Funds at Millions of Locations - With more than one million ATMs across the globe, gaining access to your money is easy. However, if you want to skip any ATM fees simply use your Visa Prepaid Card to get cash back at your local grocery store or pharmacy.

Free Direct Deposit - This card requires payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. Cash can also be added at one of over 135,000 participating retail partners nationwide.

Free Online Bill Pay - Stay on top of all your monthly bills and create a list to be processed each month. Never pay your rent, cell phone, cable or utility bills late again.

Gold Privileges - With the power of Gold you are eligible to receive exclusive VIP customer service, higher limits for money loading and withdrawal and not have to pay a monthly fee.

Consumers who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the to be a beneficial option.

Click Here to Apply Now »

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up to $9.95 monthly fee N/A
N/A

USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

Earn 2,500 Bonus Points after your first purchase.

  • Earn 2X points on gas and grocery purchases all the time.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Earn 2,500 Bonus Points after your first purchase.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Rewards program, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The card, issued by USAA Savings Bank, starts you off with 2,500 bonus points and the chance to earn up to 2x points on special purchases. Plus, save on fees and charges with no annual fee, no minimum finance charge, and interest rates as low as 9.9% if you qualify.

Unlimited rewards points. Earn 2x points on gas and grocery purchases, and earn 1x point on all other general purchases – there are no caps or limits on your earnings, so you can redeem for the rewards you really want. What's more, you'll earn a head start with 2,500 bonus points when you charge your first purchase!

Redeem for excellent rewards. There's a reward waiting for every cardmember and every interest. Redeem your USAA Rewards points for cash, gift cards, name brand merchandise, and travel awards with no blackout dates. Your points can be redeemed anytime online for free - there is no redemption fee.

Low interest rates. Based on your creditworthiness, you can enjoy interest rates as low as 9.9% APR on purchases, balance transfers, and cash advances. These rates will vary with the market based on the Prime Rate.

Save on fees. The card lets you enjoy your rewards with no annual fee and no minimum finance charge. Take advantage of the cash rewards fee-free and worry-free.

The USAA Rewards™ American Express® is a great value credit card for those who are looking to earn easy rewards while saving on card fees. Start your membership with 2,500 bonus points and be on your way to redeeming for the rewards you want. Apply today for the card!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Cash Rewards® American Express® Card

USAA Cash Rewards® American Express® Card

Earn up to 2.25% cash back on gas and grocery purchases

  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Cash back rewards, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The card, issued by USAA Savings Bank, lets you earn special cash back on everyday expenses. The rewards are paired with low interest rates and no annual fee, so you experience great savings as well.

Unlimited cash back. Earn up to 2.25% cash back on gas and grocery purchases, and up to 1.25% cash back on all other general spending. Your earned cash back are not subject to yearly caps or limits, so you can rack up as much as you'd like in rebates and receive your awards every January.

Low interest rates. Based on your creditworthiness, you can enjoy interest rates as low as 9.9% APR on purchases, balance transfers, and cash advances. These rates will vary with the market based on the Prime Rate.

Save on fees. The card lets you enjoy your rewards with no annual fee and no minimum finance charge. Take advantage of the cash rewards fee-free and worry-free.

The USAA Cash Rewards® American Express® card is a solid credit card for those looking to earn up to 2.25% cash back on gas and groceries while having the opportunity to qualify for low interest rates. Save on annual fees and minimum finance charges, and apply for the great value card!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Rewards™ World MasterCard®

USAA Rewards™ World MasterCard®

Earn 2,500 Bonus Points after your first purchase.

  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Bonus rewards points, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The , issued by USAA Savings Bank, means rewards and savings. Earn bonus rewards points with your first purchase, and enjoy the convenience of no annual fee and low interest rates.

Unlimited rewards points. You'll earn one rewards point for every dollar charged to your card, with no limit on how many points you can earn. Plus, get a head start in reaching your rewards with 2,500 bonus points - yours after you make your very first purchase.

Rewards for everyone. Redeem your points for a range of rewards that include cash, gift cards, must-have merchandise, and travel awards with no blackout dates. You'll find a collection of rewards options fit for every interest! There is no redemption fee involved, and you can redeem your points anytime through the USAA website or your mobile device.

Low interest rates. Based on your creditworthiness, you can enjoy interest rates as low as 9.9% APR on purchases, balance transfers, and cash advances. These rates will vary with the market based on the Prime Rate.

Save on fees. The card lets you enjoy your rewards with no annual fee and no minimum finance charge. Take advantage of the cash rewards fee-free and worry-free.

The USAA Rewards™ World MasterCard® offers a great combination of rewards and savings. Take advantage of no annual fee and variable interest rates as low as 9.9% if you qualify. Apply for the to start your membership with 2,500 bonus points and see where your rewards earnings take you!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Cash Rewards® World MasterCard®

USAA Cash Rewards® World MasterCard®

Earn rebates up to 1.25% on your everyday purchases

  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Rewards program, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The , issued by USAA Savings Bank, is a cash rewards credit card that allows you to earn cash rebates on every purchase during your card membership. You will also enjoy no annual fee and no minimum finance charge.

Low APR – When you are approved for the USAA Cash Rewards® World MasterCard®, you may be able to receive a variable rate as low as 9.9% APR. Your interest rate – based on your credit worthiness and the Prime Rate – will apply to all purchases, balance transfers and cash advances.

Cash Rebates – Every time you shop you will now be rewarded for it – to the tune of earning up to 1.25% cash rebates on your everyday purchases. Your cash rebate is awarded to you every January and is based on all the purchases you made the previous 12 months. Plus, there is no set limit to how much you can earn.

No Annual Fee – The USAA Cash Rewards® World MasterCard® features no annual fee and no minimum finance charge, alleviating any additional costs associated with this card.

The , issued by USAA Savings Bank, is an excellent credit card for those who want to earn great rewards and enjoy a low interest rate on all their purchases. Don't miss out and apply today!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Rewards Visa® Card

USAA Rewards Visa® Card

2,500 Bonus Points after your first purchase

  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Rewards program, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The , issued by USAA Savings Bank, is a rewards credit card for those who want great benefits, no annual fee and free travel services. Your card membership will kick off with 2,500 Bonus Points after your first purchase, while allowing you to earn 1 point for every dollar you spend thereafter.

2,500 Bonus Points – Your reward points will start rolling in with 2,500 Bonus Points with your first purchase. You will also earn 1 point for every dollar you spend without any maximum limit to how much you can earn.

Redeem Rewards – It's easy to redeem your USAA Rewards points on anything from cash to gift cards and even travel perks. You can redeem online or via your cell phone with no redemption fee, plus enjoy traveling with no blackout dates.

Low Variable APR – You may be qualified to receive a variable rate as low as 9.9% APR on your purchases, balance transfers and cash advances. Your APR is determined by your credit worthiness and the Prime Rate.

Travel and Retail Benefits – Your card membership covers a number of travel benefits including Visa® Auto Rental Collision Damage Waiver Insurance and Worldwide Automatic Travel Accident Insurance. You may also receive Warranty Manager Service on your purchases. See the USAA website for further details.

The USAA Rewards Visa®, issued by USAA Savings Bank, is the smart credit card choice for anybody who is looking for a low variable interest rate, along with membership rewards and benefits. Explore all the exciting features the has to offer today!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Cash Rewards® Visa® Card

USAA Cash Rewards® Visa® Card

Earn rebates of up to 1.25% on your purchases.

  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Rewards program, no annual fee
  • No introductory APR offer
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The ,issued by USAA Savings Bank, is a cash rewards credit card that awards you every January on all the purchases you made the previous year. Earn rebates of up to 1.25% on your purchases, plus you may also be eligible for a very low 9.9% APR on various transactions.

Cash Rebates – You can now earn cash rebates of up to 1.25% on the purchases you charge to your USAA Cash Rewards® Visa® credit card. You will receive your cash rebate every January following all the purchases you made the year before. Plus, enjoy no set limit to how much you can earn.

Low APR – A variable low APR on purchases, balance transfers and cash advances is now within your reach. If you qualify, you may be able to receive a rate as low as 9.9% based on your credit worthiness and the Prime Rate.

No Annual Fee – What's better than a credit card with great rewards and benefits – one that also comes with no annual fee! You won't be charged any minimum finance charge during your card membership, either.

The , issued by USAA Savings Bank, will make your credit card experience an enjoyable one, thanks to everyday cash rewards, no annual fee, no minimum finance charge and more. Sign up today and immerse yourself in a world of cash rewards!!

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

USAA Rate Advantage MasterCard®

USAA Rate Advantage MasterCard®

Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.

  • No annual fee: And avoid fine-print fees - we don't charge over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Low interest rate, low annual fee
  • No Rewards Program
  • APR for Purchases: 6.9% - 23.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The is a low-interest credit card by USAA Savings Bank, that saves you money with no annual fee, a low APR and a range of card benefits. This card makes your busy life easier by giving you a convenient website to manage your account at home or on the go.

Lowest APR Offer. Now you can make purchases, cash advances and balance transfers – all starting at a low monthly rate at 6.9%. It's the same low variable rate for all transaction types.

Platinum Benefits. USAA gives you benefits just for being a cardholder. The offer includes card benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases. Other benefits include MasterCard global services, roadside assistance, and travel services.

No Annual Fee. Avoid all those little fees that add up. USAA vows to not charge over-the-limit fees or penalty rates – that way your pockets will always be full

If you are shopping for a credit card that gives you a simple credit card that saves you money with a low rate and no annual fee – choose the !!

Click Here to Apply Now »

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$0 6.9% - 23.9% (Variable)
Excellent

USAA Active Military MasterCard®

USAA Active Military MasterCard®

Earn rebates up to 1.25% on your everyday purchases.

  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Two rewards programs, low APR, military benefits and no annual fee.
  • No introductory rate
  • APR for Purchases: 9.9% - 25.9% (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The is a rewards credit card issed by USAA Savings Bank that is designed for those serving in the military. The card includes low-interest rates and special military benefits during deployment or PCS.

Low Interest. The card includes variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR is based on the Prime Rate and the credit worthiness of the cardholder.

USAA Cash Rewards. You have the option to choose between two rewards programs. The USAA Cash Rewards program gives you rebates up to 1.25% on your everyday purchases. Your cash rebate is awarded every January for the purchases made in the previous 12 months and there's no limit to the amount of rebates you can earn.

USAA Rewards™. Now you can enjoy 2,500 Bonus Points after your first purchase and one point for every dollar in purchases. There's no limit to the amount of points you can earn. Once you have racked up points, you can redeem them towards cash, gift cards, name brand merchandise and travel with no blackout dates. If you choose this rewards program out of the two you can redeem your points on the USAA website or from your mobile device with no redemption fee.

No Annual Fee. The USAA Active Military MasterCard® includes no annual fee and no minimum finance charge – that way you'll have more money in your wallet.

Choose the card that gives you options when it comes to rewards programs, no annual fee and a low variable rate. If you are an active member of the military who wants special military benefits, choose the .

Click Here to Apply Now »

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$0 9.9% - 25.9% (Variable)
Excellent

Barclaycard® Rewards MasterCard® - Average Credit

Barclaycard® Rewards MasterCard® - Average Credit

Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Most Attractive Feature
Least Attractive Feature
Rates and Fees
  • Rewards program; no annual fee
  • No introductory APR offer.
  • APR for Purchases: 24.99%* (Variable)
    APR for Cash Advances:
    Annual Fee: $0
    Annual Fee Details: $0
    Grace Period:
    Late Payment Fee:
    Cash Advance Fee:
    Balance Transfer Fee:
    Important Notes:

The is a rewards MasterCard that can be used for almost anything – just like cash!

No Annual Fee – There is no annual fee for card membership, so you'll earn rewards throughout the year, with no end-of-year anniversary charges to worry about!

Rewards – You'll earn rewards nearly every time you use your card. Earn 2 points for every $1 that you spend on gasoline, groceries, and even to pay your utility bills. You'll earn 1 point per $1 spent on nearly every other purchase you make. You can use these points to pay for the purchases you make to your card, just like cash.

Redemption without the Hassles – There are no blackout dates when it comes to WHEN you can redeem your earned rewards points, and there are no limits to the number of points that you can earn. There's no complicated setup to your rewards program either – just swipe your card … and earn rewards!

The is designed especially with those consumers with good credit in mind. If this means you, strongly consider the benefits of card membership! Sign up, and start earning with the very first use of your card!

Click Here to Apply Now »

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$0 24.99%* (Variable)
Average Credit


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