Best Credit Card Offers specially for you

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Personal Credit - Consumer Credit Cards

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RequestCredit.com is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. RequestCredit.com does not review or offer all available credit products.

Review credit card deals for a personal purpose

Personal credit deals are designed to meet requirements of every consumer. If you haven't decided what card to apply for, take your time to review consumer credit applications from reputable lending organizations. You can easily find consumer card applications that come with a low or zero APR and no annual fee, as well as low interest rate on balance transfers.

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us paying late, no overlimit fee and no foreign transaction fee.±
 
Credit Card Application
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
 
Credit Card Application
  • 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.
 
Credit Card Application
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
 
Credit Card Application
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Rewards Points in Advance!

The Longest 0% APR Period for Balance Transfer

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
 

Bank`s name
Card`s name

Intro APR
PURCH.

Intro Period
PURCH.

Intro
APR
BAL.TR.

Intro
Period
BAL.TR.

APR %

Annual Fee

Apply

Citi® Dividend Platinum Select® Visa® Card 0%2612
months26
0%2612
months26
12.99% -
22.99%26 (Variable)
$026 Credit Card Application
Citi Simplicity® Card 0%2618 months260%2618 months2612.99% -
21.99% (Variable)
$026 Credit Card Application
Barclaycard® Ring MasterCard® n/an/an/an/a8.0%* (Variable)$0 Credit Card Application
Miles & More® Premier World MasterCard® 0%12 billing
cycles
0%12 billing
cycles
15.99% or 24.99%*
(Variable)
$79 Credit Card Application
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

When will you be free
of credit card debt?

Current Balance, $

Credit Card's APR, %

To find the deal that is good for you is a dilemma for most applicants and at the same time it's the main financial goal of a responsible consumer. When searching for the best application, you should take into consideration certain factors, including your personal spending habits, your monthly income, and your current financial needs. If you want to save on new purchases, review best buy applications with rewards. For consumers who want to cut their debts, online balance transfer deals will be the right choice.

Credit providers issue personal cards in accordance with financial needs of a certain consumer group. So you can find applications for small business owners, students, and regular consumers. Plastic money deals for personal needs are widely spread. If you don't run your own business, and you're not a student, consumer credit offers are a smart choice for you. No matter what's your purpose of getting a new plastic, you are sure to find the right fit among online applications for consumer needs.

A good example of all-purpose plastics can be personal credit cards. Want to make the most of your consumer card application? Review consumer deals with alluring rewards programs. Consumer offers with rewards are a good option for those who pay the balance in full and never miss the due dates on their bills. They give you an excellent opportunity to make new purchases and earn valuable rewards redeemable for merchandise and services from top US retailers. Choosing the right offer for your personal needs, you may save much money on purchases and traveling.

Before submitting your online application, draw attention to your personal score rating. If you have a favorable score, take advantage of it and select the consumer deal with beneficial terms and options. If your FICO score is poor or average, you can still find online applications with favorable features. Top online deals for personal needs offer competitive interest rates on new purchases and balance transfers, as well as generous rewards programs and built-in benefits. Look through best buy consumer deals on offer, compare, and make your choice.

If you feel uncertain about the type of credit deal for your personal needs, check other online applications at RequestCredit.com. Look for the offer that suits your way of life and your financial habits. Compare consumer offers according to your personal needs and apply online for the plastic that will give you maximum benefits. Mind that making regular payments and using your consumer deal responsibly will help you build a favorable score in the future.

The Consumer Credit Card Story

The first bank that issued consumer credit cards was National Bank of Brooklyn in New York. The program named "Charge-It" was introduced by John Biggins in 1946. However, at that time cardholders dealt with charge accounts and only selected stores accepted this form of payment. Still, the card that can be used at various merchants appeared only in 1950.

The underlying reasons of this event are really interesting. The famous supper of three friends, Franc McNamara, Alfred Bloomingdale and Ralph Sneider, took place at a famous New York restaurant next to the Empire State Building.

Franc McNamara was the head of the Hamilton Credit Corporation, and they discussed the problems of one of the clients. This particular customer had borrowed a certain sum but could not pay it back. Amazing is the fact that right after this meal, McNamara wanted to pay for the dinner and discovered that he had forgotten his wallet. He was embarrassed and had to call his wife and ask her to bring him money. McNamara made a vow that such cases would never happen again. The novelty of his idea was to introduce a card that would be accepted at multiple locations.
± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
78 In Accordance with Terms and Conditions.
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RequestCredit.com is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. RequestCredit.com does not review or offer all available credit products.
RequestCredit.com may be compensated by credit card issuers when visitors apply for a credit card through the website. We do our best to maintain the information accurate on this website. However, all the credit card information is subject to change and is presented without warranty. Therefore, we recommend to visit the online credit card application page for details and to review the credit card terms and conditions.