2013 CreditHunch Credit card reviews, tips, tricks & more.

Credit Cards

Credit cards can be the best and worst part of your life, depending on how you use them. Our team of experts will show you how you can make credit cards work for you, and not the big banks. We review each and every card that’s on our site and read the fine print so you don’t have to.

1

Western Union Money Transfer
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  • Send more for less - Transfer amounts up to $2,500 at fees lower than our other services
  • Easy and convenient to send 24/7
  • Money is ready to be picked up by your Receiver by 10 a.m. PT the third business day
  • Add your bank account to your profile in order to easily send in the future with one click
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A N/A See Terms N/A
2

USAA Secured Platinum Card
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  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90% (Variable) See Terms Bad Credit
3

USAA Secured Platinum American Express Card
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  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90% (Variable) See Terms Bad Credit
4

USAA Rewards™ World MasterCard®
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  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
5

USAA Rewards™ American Express® Card
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  • Earn 2X points on gas and grocery purchases all the time.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Earn 2,500 Bonus Points after your first purchase.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
6

USAA Rewards Visa® Card
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  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
7

USAA Rate Advantage MasterCard®
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  • No annual fee: And avoid fine-print fees - we don't charge over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 6.90%-23.90% (Variable) See Terms Excellent Credit
8

USAA Cash Rewards® World MasterCard®
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  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
9

USAA Cash Rewards® Visa® Card
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  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
10

USAA Cash Rewards® American Express® Card
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  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 9.90%-25.90% (Variable) See Terms Excellent Credit
11

U.S. Bank Visa® Platinum Card
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  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel
  • $0 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 15 billing cycles 9.99%-23.99% (Variable) See Terms Excellent Credit
12

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
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  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • $0 Annual Fee* the first year, after that $49*
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel
  • $0 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 12 billing cycles 13.99%-23.99% (Variable) See Terms Excellent Credit
13

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
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  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 300 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 12 billing cycles 11.99%-17.99% (Variable) See Terms Excellent Credit
14

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
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  • 0% Intro APR* for 15 billing cycles on purchases and balance transfers
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
  • 25% annual bonus of your prior year's cash rewards up to $250
  • No cap on the cash rewards you can earn and they never expire
  • $0* annual fee if you make one purchase per year, otherwise $25*
  • $0 Introductory Annual Fee for the first year, thereafter $75*
  • No annual fee for the first year ($75 thereafter)*
  • 20% discount on LAN purchase (up to $1,000) 1 time per year
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 15 billing cycles 11.99%-17.99% (Variable) See Terms Excellent Credit
15

U.S. Bank – Downsells_CBGA
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  • Earn 1 LifeMile for every net $1 you spend
  • 20,000 bonus LifeMiles with your first card use
  • 6,000 bonus LifeMiles with your annual credit card renewal
  • Double LifeMiles on Avianca and TACA Airlines ticket purchases
  • 50% Excess Baggage Redemption Discount on TACA Airlines
  • $0 Introductory Annual Fee for the first year, thereafter $75*
  • No annual fee for the first year ($75 thereafter)*
  • 20% discount on LAN purchase (up to $1,000) 1 time per year
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 0 months 0% (Fixed) See Terms Excellent Credit
16

LifeMiles Visa Signature® Card
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  • Earn 1 LifeMile for every net $1 you spend
  • 20,000 bonus LifeMiles with your first card use
  • 6,000 bonus LifeMiles with your annual credit card renewal
  • Double LifeMiles on Avianca and TACA Airlines ticket purchases
  • 50% Excess Baggage Redemption Discount on TACA Airlines
  • $0 Introductory Annual Fee for the first year, thereafter $75*
  • No annual fee for the first year ($75 thereafter)*
  • 20% discount on LAN purchase (up to $1,000) 1 time per year
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 12.99%-19.99% (Variable) See Terms Excellent Credit
17

LANPASS Visa Signature® Card
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  • 1 LANPASS Mile for every $1 you spend
  • No Cap on Miles Earned
  • 20,000 Bonus Miles with your first card use
  • 4,000 Bonus Miles with your annual credit card renewal
  • Double Miles on LAN ticket purchases
  • $0 Introductory Annual Fee for the first year, thereafter $75*
  • No annual fee for the first year ($75 thereafter)*
  • 20% discount on LAN purchase (up to $1,000) 1 time per year
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 12.99%-19.99% (Variable) See Terms Excellent Credit
18

Harley-Davidson® Visa® Credit Card
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  • Earn 3 points for every $1 spent at Harley-Davidson® dealerships*
  • Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants*
  • Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash*
  • No limit to how much Harley Chrome® Cash you can earn
  • Chances to win a new Harley-Davidson® motorcycle every month*
  • No Annual Fee
  • 0% intro APR* for 9 billing cycles on purchases and balance transfers
  • $0 annual fee*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 13.99%-22.99% (Variable) See Terms Excellent Credit
19

Ace Rewards® Visa Card
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  • Earn Rewards faster
  • Up to 10% back quarterly in popular categories
  • Up to 5% back on Ace purchases
  • 2% back on gas and groceries
  • 1% in Rewards everywhere else Visa is accepted
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
  • 0% intro APR* for 9 billing cycles on purchases and balance transfers
  • $0 annual fee*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 13.99% - 22.99%* (Variable) See Terms Excellent Credit
20

1-2-3 REWARDS® Visa® Card
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  • Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
  • Earn free groceries faster at Kroger, King Soopers, Dillons Smith's, Fry's and QFC
  • 3 points per $1 spent on Kroger family of brand products
  • 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 1 point per $1 spent anywhere Visa Cards are accepted
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
  • 0% intro APR* for 9 billing cycles on purchases and balance transfers
  • $0 annual fee*
  • Info View all official application terms and details.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 9 billing cycles 13.99%-23.99% (Variable) See Terms Excellent Credit