Apply for a Credit Card

When you're ready to fill out a credit card application, you first need to decide which card you want. One of the best ways to weight one against the other is to research them online. Most, if not all, will allow you fill out an application online. But even if you only want to research the subject, you can look at the language and terms of the application on the Internet before committing.

Discover® More(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* Earn more cash in more ways than anyone else(SM*) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 12 months on Purchases and Balance Transfers

Blue from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 15 Months* As Low As 8.99%* None* 0% APR on purchases for up to 15 months No Annual Fee Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Membership Rewards Express® program Express Approval.  Get a decision in less than 60 seconds.

Blue Cash® from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 8.99%* None* Earn up to 5% cash back on everyday purchases - even gas! No Annual Fee 0% Intro APR for up to 12 months on purchases Low Balance Transfer rate - 4.99% fixed APR for the life of the balance Express Approval. Get a decision in less than 60 seconds.

Discover® Open Road(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* A Miles card with no annual fee! No blackout dates Double Miles on food and travel, up to $3,000 each year 1 Mile for every $1 you spend Unlimited Miles while your account is active 0% Intro APR*

Chase Freedom(SM) Credit Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 14.99%* None* Receive $50 after you make your first purchase 3% Cash Back in your top 3 everyday spending categories 1% cash back for every $1 you spend on all other purchases Receive an extra $50 each time you save and redeem $200 in rewards

Blue Sky from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 8.99%* None* No annual fee and 0% intro APR for up to 12 months Earn 1 point for every dollar you spend Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds.

Chase Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

Discover® Motiva(SM) Card

Intro APR Intro Period Regular APR Annual Fee 3.9%* Up to 12 Months* 10.99%* None* Cash Rewards for your good credit management!* Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

One from American Express®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* As Low as 10.99%* $35* Get $50 after your first purchase No Pre-Set Spending Limit* Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008). Never pay interest on new purchases The Savings Accelerator(SM) Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name No annual fee for the first year - A $35 savings Express Approval. Get a decision in less than 60 seconds.

Chase Free Cash Rewards(SM) Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 1 point for every eligible dollar in purchases 1,000 Bonus Points after your first purchase Intro 0% Fixed APR for up to 12 months* No Annual Fee Get your rewards with as few as 2,500 points Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned

Chase Flexible Rewards™ Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months* Earn 1 point for every eligible dollar spent toward travel on any airline, shopping at your favorite stores or cash!* Earn 1000 bonus points after first purchase*

Chase PerfectCard™ MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* 6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days 3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days 1% rebates on ALL other purchases made anywhere else 0% Intro APR for up to 6 months* No Annual Fee Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.

Clear from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* As Low As 9.99%* None* No fees of any kind.  No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. 0% intro APR for up to 12 months. Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500. Pay in full, or carry a balance. Express Approval. Get a decision in less than 60 seconds.

Chase TravelPlus Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 14.99%* None*   Earn 2 miles per $1 on travel purchases Earn 1 mile per $1 on all other purchases Annual rewards fee of $29 Redeem for airline tickets, cash, gift cards and more! Intro 0% Fixed APR for up to 12 months

Discover® More(SM) Card - Clear

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - American Flag

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Sealife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus  Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Wildlife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Pulaski Bank Visa Gold

Intro APR Intro Period Regular APR Annual Fee 0% BT Only* 6 Months* 8.00%* None* 8.00% APR Low Rate No Annual Fee 0% Balance Transfers

Chase Platinum MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee Interest-free grace period when you pay your bill in full each month FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

New Millennium Bank Platinum Visa® or MasterCard®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 19.5%* $59* Reports to ALL 3 Bureaus No Credit Check Be Approved Regardless of Credit History Special High Introductory Savings Rate Bonus $3,000 credit line with My Computer Club * Terms and conditions apply

Horizon Gold Credit Card

Intro APR Intro Period Regular APR Annual Fee ** N/A* N/A%* $14.95 Monthly* Guaranteed Approval! Bad Credit Accepted! No Employment Check! Reports to Major Bureau!

Credit cards are becoming more of a necessity in the high-tech 21st century. More often we are seeing things limited to credit card payments. This can be frustrating if you do not have one, and somewhat empowering when you do. Having one not only makes paying for things easier, but it gives people a sense of security, as it is a good back-up plan if you have an emergency to take care of.

Before you do commit to one, be sure you read all the fine print. And make sure you know what all the language means. You're likely to run into a bunch of terms that you might not understand. Here's an explanation of some of them:

1. "Annual Fee" - Refers to a yearly flat charge somewhat like a membership fee. A lot of cards today are offering "no annual fee" credit cards to get your business.
    
2. "Grace Period" - Signifies a period of time (most often around 25 days) in which you can pay your card bill without being penalized with a finance charge.
    
3. "Annual Percentage Rate, or APR" - Refers to a yearly percentage of your finance charge.
    
4. "Fixed Rate" - Indicates the fixed annual percent of the finance charge.
    
5. "Variable Rate" - Refers to the prime rate plus an additional percentage (Example: A rate could be the prime rate plus 4.9 percent).
    
6. "Introductory Rate" - Refers to an APR that is lower than a typical rate, but which lasts for only about the first six months after the person has received credit. After that, it converts to the normal fixed rate.