How to find the credit card offer that is best for you?
Welcome to CreditCardsBasics.com! If you are looking for the best credit card deal you've come to the right place. There are many different credit cards out there - each offereing different set of features, rates, and benefits. While there are many offers to choose from not every one of them will suite your personal needs. We know how easy it is to get confused in all those APR's, fees, reward programs, and other features commonly offered by the credit card issuers. That is why we have created an unbiased consumer resource that is aimed to help you make the right choice. If you have good credit history or do not have one at all, if you are looking for a card with travel, gasoline or cash back rewards, if you want to earn points for each dollar you charge on your credit card, if you own a small business or are a student, even if you live outside of the Unitd States we can help you based on your personal needs and requirements.

What can you expect to see on our site?
1. You can compare credit card offers by features, fees, and rates from the category of your interest side by side to find the best one.
2. When you've found the card that you were looking for you can apply for it through the secure online credit card application directly from the issuing bank.
3. In most cases you can get online credit decision within 60 seconds. That means no weeks of waiting for the approval. You will know the answer right away.

What if i need help in selecting a credit card?
We are here to help you. We are always glad to answer any of your credit related questions. Please contact us at creditcardsbasics.com. You will typically recieve a respone within 48 hours. You are also welcome to review any of the information we have provided on this site as it may answer many of your questions. If you still need help or maybe want to share your own experience with a credit card you are using right now please do not hesitate to contact us.

Credit Card Reviews

Following is a list of 'Best Rated Credit Card Offers'. Each credit card was carefully considered and reviewed before it was included in the list below. Many different factors were taken into the account, such as interest rates, fees, customer comments, benefit factor, rewards options, and bank reputation, during this process.

Earn Frequent Flyer Miles or Free Airline Tickets Why Choose This Category?

	Best Overall Discover® Card Miles by Discover® Card Intro APR Intro Period APR % Annual Fee 0% 6 months 10.99% - 16.99%± Variable $0 Overview: •Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year. •1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash. •0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%.± •No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates. •Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card. •Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report). •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. Rating:		2nd Choice American Express Blue Sky from American Express® Intro APR Intro Period APR % Annual Fee Yes Yes 17.24% - 22.24% (V) $0 Overview: •No annual fee. •Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime. •Pay your bill all at once, or over time. It´s up to you. •Blue Savings Program: big deals on big brands, all the time. •Rated "Best Airline Credit Card" by Card Ratings Consumer´s Choice Awards in 2010. •Get approved in 60-seconds. Rating:		3rd Choice Discover® Card Escape by Discover® Card Intro APR Intro Period APR % Annual Fee 0% 6 months 10.99% - 16.99%± Variable $60± Overview: •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 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 - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report). •±Click apply to view rates, fees, rewards, limitations and other important information. Rating:

We continuously monitors the credit card market in order to bring you the best credit card offers available online. Credit Card offers are displayed side by side so you can easily compare key factors such as interest rates, annual fees and other features. Once you have found the card that is best for you, you can fill out an online credit card application and in some cases even get a credit decision within 60 seconds. At CreditCardsBasics.com our goal is to provide a resource where consumers can search, compare and apply for the best credit card offers online.

Which type of credit card is right for me?

There are many different types of credit cards to choose from including low interest, balance transfer, instant approval, reward, airline, corporate, prepaid, and even student credit cards. When determining what is the Best Credit Card Offer for you, there are many factors to consider. When you compare credit card offers you should consider all of the different rates associated with each offer including the APR(Annual Percentage Rate), the Annual Fee if there is one as well as other cardholder benefits.

Low interest credit cards have either a low APR or a low introductory APR. A low interest rate credit card can be a good choice for the individual who tends to either leave an outstanding balance on their credit card or tends to pay their bills late. Low interest credit cards can help save you money by reducing your interest and finance charges.

People who tend to carry an outstanding balance on a credit card with a high interest rate might also benefit by applying for a low interest credit card for balance tranfers. With balance transfer credit cards, you can transfer a balance from an existing high interest credit card to a low 0% APR interest rate credit card which can also help save you money on finance charges.

Reward credit cards will 'reward' you for making purchases with their card. These credit cards usually offer reward programs or cash back incentives for purchases made with their card. With airline credit cards you can even earn frequent flyer miles and free airline tickets.

Corporate credit cards offer many cardholder benefits including detailed credit card expense reports as well as travel reward programs.

Credit cards for college students are an excellent way for a young adult to start establishing a good credit history. With a student credit card a college student can begin establishing their credit history while still in school.

Most of the credit cards mentioned so far require you to have good credit in order to be approved, but if you have less than perfect credit, you might want to consider searching the credit cards for people with bad credit. A bad credit credit card can help you re-establish your credit.

These are just a few of the different types of credit cards available and as you can see there are many different types of credit card offers to choose from.

You can start looking for the best credit card!

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