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J.P. Harrington, Sacramento, CA
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Whether you are applying for a new credit card, investigating a credit card offer received in the mail, or are simply looking for a way to save a few bucks, ApplyOffers.com has the latest information about the credit card offers currently available online. We are continuously updating this site to bring you the material you need to make the best decision in selecting a credit card to fit your lifestyle.
You can start your search by choosing any of the categories to the left.
For more specialized information, check out the menu to the right.
Our goal is to help a potential credit card applicant make an informed choice.
If we can better serve your needs, please let us know.
Major US Credit Card Issuers Reviewed: |
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As a merger of the express mail companies Wells and Fargo, American Express was founded in 1850. Thirty-two years later they entered the financial realm with a money order business. Then in 1958 Amex became the second credit... |
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As a part of Minneapolis based Marshall Group; BankFirst Corp has access to a vast network of financial resources. The Marshall Group has a nationwide base of more than 1,300 client banks at the community level. BankFirst has... |
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As the commercial and consumer banking section of JPMorgan Chase, Chase Bank is an integral part of the third largest financial institution in the country. They are also the oldest financial company with a founding date of... |
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Discover Financial Services is the business entity behind the issuance and payment services of all Discover cards. Unlike most other credit card issuers, Discover Financial is not a commercial or consumer bank and has therefore... |
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Headquartered in London, England, HSBC is frequently referenced as the world's largest financial company. In fact, the currency in Hong Kong is printed with the HSBC name. Although a financial giant overseas, HSBC's presence... |
Categories of Cards Reviewed: |
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As the name implies, Business credit cards are issued to and held in the name of a business entity. They differ from a consumer card because there is no one person responsible for the repayment of any credit extended; it is... |
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With over 60% of American cardholders carrying a balance on their credit cards from month to month, the balance transfer category of cards represents an easy method to reduce your credit card interest payments. A quick glance... |
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The king of all credit cards, the cash back card will accumulate reward points on your purchases and provide a check or credit to your account when the points reach a certain level. Unlike regular reward programs that confine... |
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A very popular type of card with the rising cost of running and maintaining an automobile, the car and gas cards can save a high mileage driver large sums of money. With a typical 5% reduction in the cost of gasoline, these... |
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Targeted towards anyone with less than perfect credit or those with a limited credit history, an Easy Approval card can make the application process much less anxious, The cards in this category all have one thing in common,... |
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In the earlier days of credit cards, the Frequent Flyer cards emerged as the first credit card to offer an incentive or reward back to the card holder for using the card. Now there are many different type of cards that will... |
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Right now may just be one of those great times to get a lower interest rate on your credit card balances. The cards in this category all have a lower than normal interest rate for their particular level of credit. Obviously... |
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Just about anyone who has a credit card balance or plans on making a large purchase can take advantage of a low introductory rate and save a substantial amount of money. Designed as an incentive for consumers to apply for a... |
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The card in the category of Pre Paid Debit are not even credit cards at all. The banks do not extend credit to you therefore they are not credit cards. When your new account is approved, as almost all are since credit worthiness... |
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The catch-all category for the reward based credit cards that do not fall into the specialized sections of cash back, flyer miles or car and gas. These cards allow the accumulation of points that can later be redeemed for... |
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Students are in a unique credit situation and can take advantage of the Student type credit cards offered by most of the major issuers. Many students have not had the opportunity to establish a credit rating but desire the... |
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Also known as affinity cards, these specialty cards are finely tuned to provide unique rewards, products and services to a small refined market segment. From sports to hotels, if you have a strong focus in any of these markets,... |
Brands (Networks) of Cards Reviewed: |
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Although the American Express company dates back to 1850, the Amex brand of credit card did not appear until 1958 becoming the second nationwide, general purpose credit card. They were the first to issue their cards in the... |
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The Discover brand was originally launched during the Super Bowl in 1986 with a tight alliance to the then retailing giant Sears. While Sears began facing difficulties though the nineties, the Discover brand of credit cards... |
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The MasterCard brand came into existence in 1967 by the Interbank Card Association, a collection of California Banks, with the name of 'Master Charge'. In 1979 the name was shortened to it’s current name of MasterCard. The... |
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Originally introduced as the BankAmericard in 1958, owned by Bank of America and an employee concept to centralize and expedite customer’s monthly paper invoices and payments. Twelve years later spun off the unit into an independent... |
Cards Reviewed by Credit Level: |
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To consider yourself in the Excellent category, you should have established credit going back at least five years. You should have multiple sources of loans including; home, car, credit cards, store cards or others. One or... |
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If you believe your credit falls into the Very Good category you should have established credit dating back at least three years. You should currently have at least two sources of loans including; home, car, credit cards, store... |
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The criteria for a Good level credit card have these general requirements. You should have established credit for more than two years and currently have at least one credit card or an existing loan of some nature. Your credit... |
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The Fair credit level is for those who have hit a rough spot in their financial lives but are trying to raise their credit score. You should currently have a credit card or have had one in the last two years. You should have... |
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The Bad / None level is for those who have either no credit experience or are struggling through rough times. If you have not ever had a credit card or loan you fall into this category for now. If you are often having to skip... |
