Chase currently offers a variety of cards, some of which have even made it into our top credit cards of 2010. Although Chase may not be as highly regarded as American Express when it comes to card perks, they still offer some great cards to those who are looking to earn cash back or card rewards.

Below are the most popular cards that Chase currently offers.

• Chase Freedom® Visa – $50 Bonus Cash Back (Cash Back)
• Chase Sapphire(SM) (General Rewards, Travel Rewards)
• Slate(SM) from Chase (Cash Back)

• Chase Ink (Cash Back)
• Chase Ink Bold (Cash Back)
• Chase Ink Cash (Cash Back)
• Chase Ink Plus (Cash Back)

Chase Freedom® Visa is a cash back credit card, which means that it directly competes with Discover More and Blue Cash from American Express. This card offers a solid rewards program that gives you 5% Cash Back offers in popular rotating categories like gas, groceries, airlines, home improvement and many more.

However, unlike Discover More and Blue Cash the Chase Freedom card is currently offering a huge $200 cash bonus to new customers who sign up and make $500 in purchases during the first three months.

Apply for Chase Freedom® Visa – $200 Bonus Cash Back | Read Review

You’re probably seen the commercials for Chase Sapphire(SM) by now – Chase seems to be making a big marketing push for this new card. With Chase Sapphire you earn one point for every dollar you spend. These points can then be redeemed for everything from airline tickets, to cash back. If you choose to receive cash back it ends up equaling 1% cash back at 1 point per dollar.

Chase Sapphire(SM) is a good card for those who travel and spend a lot on airfare, because of the fact that you earn double the rewards points on all airfare purchases – as long as you book them through the Chase travel booking tool. With Chase Sapphire(SM) you can earn unlimited points, and your points never expire. If you choose to shop online through the Ultimate Rewards Mall you can earn up to 10 bonus points per dollar (or 10% cash back).

With Chase Sapphire(SM) you also get access to the Blueprint program which I reviewed here. Blueprint basically allows you to customize the repayment of your balance and includes some great online tools to help you manage your finances.

This card also offers quite a few travel perks:

• Trip Cancellation Insurance
• Travel and Emergency Services
• Travel Accident Insurance
• Trip Delay Reimbursement
• Baggage Delay Reimbursement
• Roadside Dispatch
• Auto Rental Collision Damage Waiver

Apply for Chase Sapphire(SM) | Chase Sapphire(SM) Review

Introduced along with the Sapphire Card, Slate(SM) from Chase is for those who aren’t interested in a rewards program and just want the benefits that go along with a Chase card. Honestly I see little if any reason to go with Slate over Sapphire or Freedom, both of which offer a rewards program that gives you at least 1% cash back on all purchases. For some this may not seem like much but these rewards definitely add up over time.

Apply for Slate(SM) from Chase|Slate(SM) from Chase Review

Chase offers a variety of business cards all branded under “Ink from Chase”. Each card has a different rewards structure – Ink has a points based rewards system where as Ink Cash is the business equivalent of the Chase Freedom card, giving you 3% back on certain purchases and 1% back on everything else.

Overall these cards may not offer as many perks as some of the American Express business cards – however there are some advantages. Ink and Ink Cash have no annual fee, Ink Plus has a $60 annual fee and Ink Bold a $95 annual fee. In contrast, the Amex Business Gold Card has a $125 annual fee, and Amex Business Platinum has a $450 annual fee. If you are planning on taking advantage of all of the perks that an Amex Express business card offers then the annual fees are often worth it, if not then the Chase Ink cards are definitely an option.

Ink Cash Review
Ink Bold Review
Ink Plus Review

Here are some other useful past articles we’ve written that cover Chase cards that may help you decide which card is right for you.

Chase Blueprint Review
Discover More vs Chase Freedom

Many of the travel rewards credit cards can earn you discounted or even free airfare, discounts on hotel stays and the rewards can even be redeemed for cash or gift cards. Besides saving money with the low intro APR and no annual fees, these travel reward cards can truly benefit the frequent traveler, as well as the consumers who travel for business or pleasure. There are several excellent choices in travel rewards credit cards in circulation today, below are some that rise above the rest.

You may have seen on our best credit cards 2010 page that our top choice for a travel rewards credit card is Escape by Discover® Card. This card allows you to earn unlimited double miles every month – 2 points for ever dollar you spend. The difference between this card and Miles by Discover is that there is no cap on the amount of double miles you earn and you earn double miles on ALL purchases. The downside to this card for some is there is a $60 annual fee* associated with it, however if you use the card frequently it will pay for itself rather quickly.

• Earn unlimited double miles on all purchases.
• Flexible rewards program, redeem miles for airline tickets, cash or gift cards.
• Low APR for those with good credit.

Apply For Escape by Discover® Card | Read Review

With the Miles by Discover® Card, you can earn 12,000 bonus miles- 1,000 bonus miles each month you make a purchase for your first year. This is also one of the best travel reward cards available with no annual fee. However as I mentioned above, with this card you only earn double miles on the first $3000 you spend on travel and restaurant purchases – after that you earn 1 mile for ever dollar spent. Book through your favorite airline and travel whenever you want, because there are no blackout dates when booking with this card.

Apply For Miles by Discover® Card | Read Review

The Blue Sky from American Express is another excellent travel rewards credit card which will allow you to earn reward points that are unlimited and have no expiration. When you use this card to book online, you will earn double points and will receive a full statement credit for your travels. You will also be insured for such mishaps such as rental car damage and loss providing accidental death and dismemberment up to $100,000. Additionally, there is no annual fee and an intro APR of 0% for the first 12 months.

With the Citi Diamond Preferred Rewards Card you earn Thank You points for an extensive travel savings. For every dollar that you spend on items at the grocery store, gas station and drug store, you will earn 5 Thank You points. These points can be redeemed when booking travel packages with any airline that you wish, however, when you book online using the Expedia portal you can book a fixed flight package for as little as 25,000 points. You can fly anywhere and anytime because there are no restrictions. The Citi Diamond Preferred Rewards Card offers an outstanding reward system, as well as no annual fees to pay, which makes this an excellent travel rewards credit card.

With retail store credit cards there are a few differences from the normal reward credit cards that you may have in your wallet. One of the differences is that they are used for specific stores and merchandise, unlike the general credit card. Another thing that is different is the rewards that are offered are usually from their store only; however, if you shop frequently there, chances are good that it will be beneficial to you in saving money. Below are some of the best retail store credit cards for your information.

Editors Note: Instead of getting a store specific credit card, I currently recommend checking out the Discover® More® Card. This card allows you to earn up to 5% cash back on all of your purchases, and you can earn up to 20% cash back at up to 100 stores through the ShopDiscover online store.

The Wal-Mart credit card will be a good choice if you often shop at Sams Club or Wal-Mart; even online at Walmart.com. This credit card gives discounts on fuel from any Wal-Mart or Sams Club that has gas stations of 3 cents a gallon. There is no annual fee and there are three separate types of cards, Premier PR+4.12%, Preferred PR+10.12% and Choice PR+14.12, depending on your credit history. The PR is equivalent to the current Prime Rate.

Read Our Review

The Disney Rewards Visa Card from Chase is an excellent retail store credit card that is especially made for those people that spend a good amount of time at Disney resorts and theme parks, and also those that buy Disney products. Every time that you spend $100, you will receive one Disney Dream Reward Dollar. There is no annual fee with this credit card and the rewards that are earned can be used for hotel stays, cruises or theme park tickets. There is an introductory APR of 0% for the first 12 months on both purchases and cash transfers and then will increase to PR+5.99% or 10.99%.

Read Our Review

When you use the Target Visa credit card for making purchases, every dollar that you spend at Target will earn one point and for every two dollars spent elsewhere will earn one point. In addition to the points that you will earn, Target will donate 1% of every one dollar that you spend at Target and .50% of each dollar spend at other stores to the K-12 school of your choice. After youíve earned 1000 points you will have the privilege of an entire day of shopping with a 10% discount and will receive the same discount for a day when you enroll in the pharmacy program and make your first purchases. The Target Visa credit card has no annual fee and the APR will be anywhere between PR+ 4.99% and PR+ 13.99%, depending on credit review.

Read Our Review

The retail credit card for frequent shoppers of Nordstrom and Nordstrom.com is the Nordstrom Credit Card. It is a retail reward charge card that earns unlimited points, earning two points per dollar spent at Nordstrom and Nordstrom.com and one point per dollar spent at other places. If $1500 is spent during the year at Nordstroms you will have privileges of attending special in-store events and will earn 10 points for every dollar spent at those events. The Nordstrom Credit Card has no annual fee and an APR of between PR+ 0 and PR+ 14.9% with a 25 day grace period.

Read Our Review

A secured credit card is a type of card targeted mainly to high risk individuals with bad credit. The purpose of a secured credit card is to allow the individual access to a credit card while helping them rebuild their credit.

Secured credit cards are “secured” by a bank deposit account that is owned by the cardholder. When you open a secured card you will be required to open one of these deposit accounts to provide collateral. Your credit limit will usually be equal to the amount you deposit, although it may be higher or lower, depending on your risk.

Low interest credit cards are usually considered to be those with an APR of prime plus 3.99% or less. Getting the lowest interest credit card, however, will depend on your credit score and rating. When you get a low interest credit card, be sure to read the terms. You can either get a fixed APR, which means it won’t change unless you default, or a variable APR, which will usually be the prime interest rate plus a certain percentage, such as 5%. You also need to check for any annual fees that may apply. Usually low interest cards come without rewards programs, although many are available that combine great rates with earned rewards.

Pulaski Bank VISA Classic

Using the credit cards that are issued by Pulaski Bank & Trust, there are two separate card options with excellent benefits and the very lowest interest rates. The Pulaski Bank Visa Classic card offers a fixed APR of 6.50% after the intro 0% APR on balance transfers expires. This card does charge an annual fee that is $35, but the rate is lower than most other credit cards, so it will still bring you a big savings.

Pulaski Bank Visa Gold

Another one of the best low interest rate credit cards also is issued by Pulaski Bank and it is the Pulaski Bank Visa Gold Card. This credit card has no annual fee and a low interest rate of 8.0%; it isnít even tied to any market index. When you are using this card for balance transfers, there will never be a transaction fee and for the first six months you can enjoy 0% APR on those transfers.

If you want a low interest credit card that also offers reward miles, consider the Miles by Discover® Card. This card gives 12,000 bonus miles- 1,000 bonus miles each month you make a purchase for your first year and earns miles on every purchase that never expire and have no limit. There’s no annual fee for this card.

Students should take a look at the Citi mtvU Platinum Select Visa card for college students. This card has an introductory 6 month 0% APR and earns up to 5 points on all purchases. You also earn up to 2,000 extra points every 6 months you maintain a good GPA. With no annual fee and an APR as low as 14.24%, this card is ideal for students that don’t have a long credit history.

Qualifying for a low interest credit card is one of the goals of a good credit history. These cards are convienent and trouble-free and are great for individuals that carry a balance or prefer not to pay their bill immediately. With a bit of searching and great credit, you can secure a credit card with an interest rate below 10% that also offers rewards when you use it.

IBERIABANK offers a few great cards for those with excellent credit. IBERIABANK cards are generally known for their low APR and high limits. Below I’ve included a few of the popular IBERIABANK cards.

• IBERIABANK Visa Classic
• IBERIABANK Visa Gold (Cash Back)

The IBERIABANK Visa Classic is comparable to the Chase Slate card and offers an extremely low APR but lacks a rewards program. This card is for those who don’t need a credit card rewards program but would like to take advantage of some of the benefits associated with using a credit card. =

I’m not a bit fan of cards that lack a rewards program, because saving money through a rewards program is what makes using a credit card make sense most of the time. The IBERIABANK Visa Platinum detailed below also requires excellent credit but has a rewards program that allows you to earn cash back, which makes it a better choice for most people.

Apply for IBERIABANK Visa Classic | IBERIABANK Visa Classic Review

IBERIABANK Visa Gold is a cash back credit card for people with excellent credit. This card has a very low APR for a rewards card, and offers 1% cash back on all of your purchases. As we said in our full review of the IBERIABANK Visa Gold which you can find below, although the 1% cash back is lower than some cards like Discover More – this card has a much lower APR which makes it a better choice for those who sometimes carry a balance. This card has no annual fee and a low balance transfer fee of 2%.

Apply for IBERIABANK Visa Gold | IBERIABANK Visa Gold Review

From a single card introduced in 1986 (and originally owned by Sears), Discover now has a broad array of credit cards to fit a variety of consumer lifestyles. This article looks at some of the company’s top offerings.

• Discover More (Cash Back)
• Escape by Discover (Travel Rewards)
• Miles by Discover (Travel Rewards)
• Discover Student Card (Student Cash Back)
• Discover Open Road (Gas Rewards)

Ranked the best cash back credit card out there hands down” by CreditShout, Discover More remains at the top of our list. With a 0% intro APR on purchases and balance transfers for 15 months*, no annual fee, 5% Cashback Bonus®* in categories that change*, and 5 -20% Cashback Bonus at over 150 top retailers through Discover’s online shopping mall there’s a lot to like about this card. You can also choose from more than 150 different designs for your card, a nice bonus that’s not offered on every card.

Apply for Discover® More Card | Discover® More Card Review

Although just a few years ago it would have been much easier, because of the credit crunch last year getting a card for those of you who are looking to build credit can be much more difficult, if you don’t know where to look. There are a few different options for people with little to no credit depending on your circumstances.

If you are a college student, and looking to start building your credit you may want to start by applying for a student credit card. Some student cards actually have a decent rewards program although the APR is going to be higher than a card for those with an established credit history.

For college students looking to build their credit history, this is the best student card out there. The Discover® Student More Card offers the same great cash back rewards and benefits as regular Discover Cards- 5% Cashback Bonus®* on categories that rotate throughout the year such as gas, groceries and at restaurants and then up to 1% unlimited

on all other purchases.

• Earn 5% Cashback Bonus®* in categories that change.
• Earn up to 1% unlimited Cashback Bonus on everything else.
• Earn 5-20% Cashback Bonus at their exclusive online shopping mall.
• No Annual Fee.

Apply for Discover® Student More Card | Read Review

If you aren’t a college student and are looking to build credit you may want to consider a secured credit card. With a secured credit card you are required to put down a deposit to “secure” the loan or credit limit that you would like.

By securing the credit you are guaranteed approval no matter how bad your credit is, even if you have no credit history at all. It’s extremely important to choose a secured credit card that reports to all three major credit bureaus (Equifax, Experian and TransUnion.) This way your credit score will go up as the account ages, and you continually pay on time.

I currently recommend the Public Savings Bank Secured Black Card for those of you who are looking for a secured card. After the initial one time $79.00 application fee there is no annual fee with this card.

Most importantly – this card reports to all three major credit bureaus. As I was saying above because this is a secured credit card, if you apply you will be accepted regardless of your credit score or history.

Advantages

• 0% APR on purchases for 6 months
• No annual or monthly fees
• Reports to all 3 credit bureaus
• No minimum credit score
• Lifetime credit limits up to $5,000

Apply For The Public Savings Bank Secured Black Card

Do You Know What Your Credit Score Is?

It's important to know what your credit score is before applying for a credit card or a loan. We recommend checking your score with Credit Karma, because they offer a truly free credit score with no hidden fees. Credit Karma also gives you a credit report card and free daily credit monitoring.

Get Your Free Credit Score With Credit Karma Now

If you have good credit you have access to a much wider variety of cards than those with limited to no credit history. Almost all AMEX and Discover Cards (with the exception of the student cards) require good to excellent credit. Credit Cards for those with good credit generally have lower APRs (Although we recommend that you don’t carry a balance) and most important better rewards programs.

I’ve highlighted the best cards for people with good credit below.

The Discover® More Card is the best cash back credit card for those with good to excellent credit. This card offers 5% Cashback Bonus®* in rotating categories like gas, groceries, on travel expenses and at restaurants. You then earn up to 1% unlimited Cashback Bonus on all other purchases. Another great feature of this card (and most Discover Cards) is ShopDiscover which is an “online mall” that allows you to earn 5-20% Cashback Bonus at over 150 top retailers through their online shopping mall.

Apply for Discover® More Card | Discover More Review

Blue Cash® from American Express is another great cash back credit card for people with good to excellent credit. This card, like Discover More allows you to earn up to 5% back on supermarket, gas station and drug store purchases and 0.5% back on all other purchases.

If you’re a big spender this card may be superior than Discover More however because if you spend over $6,500 you then earn 1.5% cash back on all other purchases (compared to 1% with Discover More). This one one of the best cash back credit cards out there, assuming you spend over $6,500 to boost your cash back rewards up to 1.5%.

Apply for Blue Cash | Blue Cash Review

Escape by Discover® Card is the best travel credit card for those with good credit and is well worth the $60 annual fee*.

With this card you can earn 2 miles for every dollar you spend. You then earn 2 additional miles (for a total of 4 per $1) in the ShopDiscover.com store. For the first 25 months, you’ll get an extra 1,000 miles each month you make a purchase. You can redeem the miles for travel credits, gift cards or cash, and can book travel through any airline, travel agent, or travel website.

Apply for Escape by Discover® Card | Escape by Discover Review

The ideal card for those with good to excellent credit and are looking for a card to earn rewards on gas purchase, Discover® Open Road Card – $75 Restaurant.com Gift Certificate gives you 2% back on the first $250 in purchases each month at gas stations and restaurants. Get up to 1% unlimited Cashback Bonus on all other purchases. As with all Discover rewards cards, You can also earn 5-20% Cashback Bonus at over 150 top retailers through their online shopping mall.

Apply for Discover® Open Road Card – $75 Restaurant.com Gift Certificate | Discover Open Road Review

The Starwood Preferred Guest® Credit Card from American Expressis the best hotel rewards card for people with good to excellent credit. With Starwood Preferred Guest® Credit Card from American Express you earn one starpoint for every dollar you spend. You can then redeem starpoints for free hotel rooms, airline tickets, cruises and even complete vacation packages. You also earn 10,000 bonus points after your first purchase – which is enough for 3 nights free at certain hotels.

Apply for Starwood Preferred Guest® Credit Card from American Express | Starwood Preferred Guest® Credit Card from American Express Review

Do You Know What Your Credit Score Is?

It's important to know what your credit score is before applying for a credit card or a loan. We recommend checking your score with Credit Karma, because they offer a truly free credit score with no hidden fees. Credit Karma also gives you a credit report card and free daily credit monitoring.

Get Your Free Credit Score With Credit Karma Now

Sometimes good people get into bad circumstances and unintentionally end up with a bad credit rating as a result. I’m not going to go into all of the implications have having bad credit, and why it’s important to constantly improve your credit, I will say that having good credit can save you a ton of money in the long run. Luckily, there are credit cards out there for people that would like to build or rebuild their credit; here are a few of the better unsecured credit card offers (meaning these cards don’t require you to put down a deposit equal to what you want your credit limit to be):

For those of you who are looking to build (or rebuild) your credit history I recommend the Orchard Bank Classic MasterCard. This card is fairly easy to get approved for even with a minimal credit history and most importantly, reports to all three credit bureaus. The annual fee for this card is $0-$59 the first year: $35-$59 per year thereafter, based on creditworthiness. You can use this card anywhere that accepts MasterCard.

Read Review

The Orchard Bank Visa Card is virtually identical to the MasterCard version and is also a good card for those of you who are looking to build their credit history. This card also reports to all three credit bureaus. The annual fee structure is the same as the MasterCard version and again will depend on your credit for the first year. The annual fee for this card is $0-$59 the first year: $35-$59 per year thereafter, based on creditworthiness. You can use this card anywhere that accepts Visa.

Read Review (MasterCard Version)

If you have no credit history at all you may want to try a secured credit card. There are actually quite a few secured cards out there to choose from, however like the subprime unsecured cards, many of them have high fees so it’s important do a bit of research. Here are a few of the better secured credit cards:

If you have bad credit or no credit the Public Savings Bank Secured Black Card is highly recommended because it has no annual fee, after the one time $79.00 application fee, reports to all 3 credit bureaus, and is FDIC insured.

Everyone who applies for this card is approved because of the fact that its a secured credit card.

Apply For This Card

Do You Know What Your Credit Score Is?

It's important to know what your credit score is before applying for a credit card or a loan. We recommend checking your score with Credit Karma, because they offer a truly free credit score with no hidden fees. Credit Karma also gives you a credit report card and free daily credit monitoring.

Get Your Free Credit Score With Credit Karma Now