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Economic Summaries
Credit Cards

Credit Card Offers
List of Companies - Summary Chart
by
Vaughn Aubuchon

Here is a table listing the major companies which offer the best credit cards for US consumers.

There are several factors to consider when selecting the best card. The most important factor is the interest rate charged, as determined by your credit history. It is best to "shop around" for the lowest interest rate, when seeking a new card.

-

100

140


.
Comparing Credit Cards

Historical Data from Mar. 18, 2008

Company

Card
Type
Annual
Fee
Lowest
APR
Highest
APR
Default
APR

.
Note

Google
"x
card
$ucks" metric

American Express
(17 different cards)

New York, NY
1-800-528-4800

695K

Blue

AMEX
0
10.99%
16.99%
27.99%

Several choices

Optima Platinum

0
12.00%
-
27.99%

Clear

0
11.99%
15.99%
27.99%

Bank of America
(400 different cards)

Wilmington, DE
1-800-732-9194

395K

Worldpoints Platinum Plus

MC
0
9.99%
15.99%
29.99%

Too many options
All mixed together
Impossible to compare

Visa Platinum Plus

Visa
0
8.99%
18.99%
29.99%

Capital One
(13 cards)

McLean, Virginia
1-800-216-1686

295K

Platinum Prestige

MC
$0
7.9%
-
25.9%

Mostly MasterCards

You must "Opt-out" of Spam.

Platinum

$39
8.4%
-
25.9%

Classic Platinum

$19
14.4%
-
25.9%

Standard Platinum

$0
19.3%
-
25.9%

Chase
(100's of cards)

Wilmington, DE
1-888-215-3049

2,040K

Freedom MC (2-5)

MC
0
15.99%
-
29.99%

-

Platinum MC (11)

0
11.99%
20.99%
29.99%

Freedom Visa Signature Card (1-4)

Visa
0
15.99%
-
29.99%

Mostly Visa

Freedom Plus (3)

0
15.99%
-
29.99%

Platinum Visa (12)

0
11.99%
20.99%
29.99%

Citicorp
(37 different cards)

New York, NY
1-800-347-4934

296K

Platinum Select

MC
0
7.99%
12.99%
29.99%

Mostly MasterCard

Diamond Preferred

0
7.99%
12.99%
29.99%

Discover
(5 different cards)

Salt Lake City, UT
1-800-347-2683

680K

Discover More

DISC
0
10.99%
18.99%
30.99%

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220 - 640

50

40

50

50

50

130

50


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Some Specialized Types
of Credit Cards

Am.
Exp.
B of A
Cap.
One
Chase
Citi
Disc.

Card Type

Comment

4
x
4
12
x

.

General

The most popular cards

3
x
6
10
8
2

Rewards

Provides cash back and/or points

1
77

.

29
7
1

College Student

Especially designed for young debtors

.

.

.

15
4
1

Gas and Auto

Special cards for car drivers

.

x

.

25
5

.

Store

Especially designed for large retail store purchases

3
6
3
17
12
1

Travel

Especially designed for those who travel frequently - Mileage Cards

.

77

.

28

.

.

University

Alumni school support

Counting all the options from each vendor is not easy. For instance, B. of A. lists the same 77 cards for both the "Student" and "Alumni" categories, although they are SEPARATE credit cards. The other companies also list the same card in multiple categories. Some credit cards having the SAME NAME, are offered in different categories, but with different interest rates, purposely adding to the confusion. I grew tired of trying to count the ACTUAL options.

-

30

30

30

30

30

30

100

350 - 640


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Credit Card Interest Rate
Determination

Personal Data Factors

Form Info Required

.
Data

Note

Income
Total Annual income

-
$80,000

-
The higher the better

Assets/ Responsibility
Own home or rent?
Rent or mortgage payment?
Time at current residence?

Marital Status

-
Own
$500
Years

Married

-
Homeowner is best
The lower, the better
The longer, the better

Married for years is best

Asset Accounts
Have a checking account?
Savings or IRA account?

-
Yes
Yes

-
The longer, the better
The larger, the better

Employment History
Time at current job?
Position?

-
Years
Manager

-
The longer, the better
Manager is better than peon

Credit History
Credit Score
Account History
Payment History - Late?
Current Debt
Sex
Age

-
>750
Many
No
Low
Male
Old

-
The higher the better - it's all in the score
The more promptly paid-off, the better.
No late payment is best - try to avoid
Low is best - you can afford more
Male is preferred -
presumed earning power
Older is better - more stable

200

80

300 - 580

Disclaimer:
Selecting the best credit card can be a daunting task, because there are so many variations. That's why I made this page - to help clarify the most popular options.
The above data was summarized from each company website listed above.
The author is not perfect, and errors can occur. This Credit Card company data comparison chart is meant as a guide only.
Be sure and check several companies, before selecting a Credit Card. There are many confusing marketing variations.

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Vaughn Aubuchon Author Bio

Vaughn's Summaries
©2008, 2017 Vaughn Aubuchon
www.vaughns-1-pagers.com
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This Vaughns Best Credit Card companies comparison
chart was last updated on 2017-10-17.