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Everyone has his or her own preference. Nonetheless, the popular public choice is almost always a good indicator for our reference.
Here is a list of the most popular credit card on our network. This list will give you a valuable guidance in your effort to acquire the best credit card offers.
Note : This list will be updated from time to time when there is a change in the popularity ranking.
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With the Chase Freedom® Visa - $100 Bonus Cash Back card, cardholders receive a 0% introductory rate on balance transfers for 12 months, and a 0% introductory rate on purchases for 6 months!
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% cash back when you shop online at select merchants through Chase
Cash back rewards never expire
No Annual Fee
Intro APR
Intro Period
Annual Fee
0%
12 months on balance transfers, 6 months on purchases*
Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 10.99% - 20.99%*
2% automatically at any gas station and any restaurant all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Up to 1% unlimited Cashback Bonus on all other purchases
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S. based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alerts
Easy online account options that put you in control
Fraud specialists dedicated to helping you 24/7
Secure online account numbers
Timely e-mails to help you avoid fees
*Click apply to view rates, fees, rewards, limitations and other important information
Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
No Annual fee for your first year that's a $45 value*
Earn 3 points for every $1 spent at Marriott® locations
Earn 1 point for every $1 spent on other purchases
Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
USD$1.9 trillion Credit Cards Spending in the United States
In 2009, there are 21.6 billion credit card transactions in the US, a decrease of 0.1 billion transactions or 0.2% per year from 2006 to 2009,
compares to 21.7 billion transactions in 2006. The 21.6 billion credit card transactions accounted for 19.81% of the total 109 billion noncash payment transactions in the US in 2009
(25.56% of the total 84.5 billion noncash payment transactions electronic payment in the US in 2009), compares to 22.79% of the total 95.2 billion noncash payment transactions in 2006.
The total 21.6 billion credit card transactions for 2009 generated USD$1.9 trillion in value, a decrease of USD$0.2 trillion transactions or 3.4% per year from 2006 to 2009,
compares to USD$2.1 trillion in 2006. The value generated accounted for 2.63% of the total USD$72.2 trillion noncash payment transactions in the US in 2009; and 4.68% of the total
USD$40.6 trillion electronic payment transactions in the US in 2009.
The average value per transaction decrease by USD$9 from USD$98 in 2006 to USD$89 in 2009(3.1% decrease per year from 2006 to 2009).
In 2006, there are 21.7 billion credit card transactions in the US, an increase of 2.7 billion transactions or 4.6% per year from 2003 to 2006,
compares to 19.0 billion transactions in 2003.
The total 21.7 billion credit card transactions for 2006 generated USD$2.1 trillion in value, a increase of USD$0.4 trillion transactions or 7.8% per year from 2003 to 2006,
compares to USD$1.7 trillion in 2003.
The average value per transaction increase by USD$9 from USD$89 in 2003 to USD$98 in 2006(3.1% increase per year from 2003 to 2006).
Notes: Figures may not add due to rounding.
The decline in credit card spending is most probably due to the economic recession and may not represent changes in payments preferences of consumers and businesses.
Furthermore, many credit card accounts are closed and issuance of new credit cards is limited during the financial crisis.
General purpose credit card
In 2009, there are 19.9 billion general purpose credit card transactions, an increase of 0.9 billion transactions or 1.6% per year from 2006 to 2009,
compares to 19.0 billion transactions in 2006. The 19.9 billion general purpose credit card transactions accounted for 92.13% of the total 21.6 billion credit card transactions in the US in 2009,
compares to 87.56% of the total 21.7 billion credit card transactions in 2006.
The total 19.9 billion general purpose credit card transactions for 2009 generated USD$1.7 trillion in value, a decrease of USD$0.2 trillion transactions or 2.9% per year from 2006 to 2009,
compares to USD$1.9 trillion in 2006. Despite of 1.6 percent average annual growth in the number of transactions, the transaction value declined 2.9% per year from 2006 to 2009. And the average
value per general purpose credit card transaction decrease from USD$99 in 2006 to USD$86 in 2009(4.4% decrease per year from 2006 to 2009).
Purchases more than $25 accounted for 56.3%(11.2 billion transaction) of all general purpose credit card and 94.4%($USD1.624 trillion) of the value of transactions.
Purchases less than $5 accounted for 10.7%(2.1 billion transaction) of all transactions. These low value transactions suggest credit cards are used widely for day-to-day transactions as well.
In 2006, there are 19.0 billion general purpose credit card transactions, an increase of 3.8 billion transactions or 7.6% per year from 2003 to 2006,
compares to 15.2 billion transactions in 2003. The 19.0 billion general purpose prepaid card transactions accounted for 87.56% of the total 21.6 billion credit card transactions in the US in 2006,
compares to 80% of the total 19.0 billion credit card transactions in 2003.
The total 19.0 billion general purpose credit card transactions for 2006 generated USD$1.9 trillion in value, an increase of USD$0.5 trillion transactions or 9.9% per year from 2003 to 2006,
compares to USD$1.4 trillion in 2003. The average value per general purpose credit card transaction increase from USD$93 in 2003 to USD$$99 in 2006(2.1% increase per year from 2003 to 2006).
The 19.9 billion general purpose card transactions in 2009 can be further brokendown into card present and card not present transactions.
16.1 billion or 81% were card present transactions, while the rest 3.8 billion or 19% were equally shared by e-commerce and mail or telephone transactions. Card not present e-commerce (i.e. made via the Internet)
made up 9.5% or 1.9 billion transactions and card not present mail or telephone made up another 9.5% or 1.9 billion transactions.
In-person credit card payments have lower average values than card not present transactions. This is reflected in low average value of USD$76 for card present transactions; in comparison to the high average value
of USD$145 for mail or telephone transactions, and USD$119 for e-commerce transactions.
Contactless card payments accounted for 20 million of the general purpose credit card payments in 2009(0.1% of all general purpose card payments), with a total value of USD$1 billion.
The contactless card readers are installed for fast and convenience payment, without having to swipe the credit card at the point of sale. It is generally used for low value transaction by cardholders.
And this is evidence by the low average value of USD$43 for contactless card payments, which is is half that of the USD$86 average general purpose credit card transactions and $33 less than the USD$76 average card present transaction.
Notes: Figures may not add due to rounding.
Private label credit cards
In 2009, there are 1.7 billion private label credit card transactions, a significant decrease of 1.1 billion transactions or 15.3% per year from 2006 to 2009,
compares to 2.8 billion transactions in 2006. The 1.7 billion private label credit card transactions accounted for 7.87% of the total 21.6 billion credit card transactions in the US in 2009,
compares to 12.90% of the total 21.7 billion credit card transactions in 2006.
The total 1.7 billion private label credit card transactions for 2009 generated USD$200 billion in value, a decrease of USD$100 billion transactions or 7.2% per year from 2006 to 2009,
compares to USD$300 billion in 2006. However, the average value per private label credit card transaction increase from USD$92 in 2006 to USD$121 in 2009(9.6% increase per year from 2006 to 2009).
Notes: Figures may not add due to rounding.
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Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.