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Personal Credit Card

People can make a purchase with either cash, debit cards, or credit cards. Choosing credit cards will build your credit & help you learn how banks work and how to manipulate banks into working for you.

Credit Score

Zero
Low (<600)
Medium (600-700)
High (>700)

Rewards

Zero APR
Zero Annual Fees
Cash back
Bonus
Airline

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Annual fees
Interest rate
Card Average Credit Score Annual Fee Zero Intro Purchase APR Zero Intro Balance APR Regular APR Bonus Reward

Chase Freedom
JPMorgan Chase Bank, National Association
696 $0 0% for 18 0% for 18 13.99% - 22.99% Earn a $100 Bonus AFTER you make $500 IN purchases IN your FIRST 3 months FROM account opening. Earn a $25 Bonus AFTER you ADD your FIRST authorized USER AND make a purchase WITHIN this same 3-MONTH period. NO annual fee AND rewards never expire. Cash Back: 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's home improvement stores. You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It is free AND easy TO activate your bonus EACH QUARTER! Unlimited 1% Cash Back ON ALL other purchases

Barclaycard Rewards MasterCard
Barclays Bank Delaware
658 $0 N/A N/A 24.99% - 24.99% 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. Cash Back: 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

Capital One Quicksilver Cash Rewards Credit Card
Capital One, National Association
682 $0 0% for 12 0% for 12 12.9% - 22.9% One-time $100 bonus after you spend $500 on purchases within the first 3 months Cash Back: Earn unlimited 1.5% cash back on every purchase, every day. No rotating categories and no sign ups needed to earn cash rewards. Redeem the cash back you earn for any amount, any time. Your cash back doesn't expire. 0% intro APR on all purchases until May 2015. Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred. No annual fee

Blue Cash Everyday Card from American Express
American Express Bank, FSB.
710 $0 0% for 15 0% for 15 12.99% - 21.99% Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit. Cash Back: Hassle-free cash back: no enrollment required, the same great reward categories year-round. Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. No Annual Fee. A Credit Card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.

Capital One VentureOne Rewards Credit Card
Capital One, National Association
729 $0 0% for 12 0% for 12 11.9% - 19.9% Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
Airlines: The Capital One VentureOne Rewards Credit Card is a great choice for consumers who are seeking a rewards card with serious travel perks. Cardholders earn 1.25 miles on every purchase every day, as well as a one-time bonus of 20,000 miles after spending $2,000 in the first three months of card membership. Miles can be redeemed for airline tickets, hotel rooms and car rentals with no limit on the amount of miles earned, and no expiration date. In addition to the value of miles earned, cardholder

Blue Sky from American Express
American Express Bank, FSB.
710 $0 0% for 15 0% for 15 17.24% - 22.24% Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
Airlines: Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward airline tickets, hotel stays and other type of travel. Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases. Flexible Bill Payments: pay your bill all at once or over time. No annual fee, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 17.24%- 22.24%.

Capital One QuicksilverOne Cash Rewards Credit Card
Capital One, National Association
618 $0 0% for 12 0% for 12 22.9% - 22.9% N/A Cash Back: Earn unlimited 1.5% cash back on every purchase, every day. No rotating categories and no sign ups needed to earn cash rewards. Redeem the cash back you earn for any amount, any time. No limit to the cash back you can earn. Your cash back does not expire. Get access to a higher credit line after making your first 5 monthly payments on time. Fraud Coverage if your card is ever lost or stolen.