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Independent Credit Card Research

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CardResearch

3 Best Credit Cards for Bad Credit Record Holders

It’s hard to get ahead with bad credit. The good thing is that there are a few credit cards that are excellent options when it comes to building credit and they are available to people with any credit history.

Here are 3 credit cards for bad credit record holders:

Discover It Secured

This credit card can help you rebuild your credit score or establish a credit history. This credit card allows you to choose the best credit line for your needs by making a refundable security deposit and even gives you 2% cash back on up to $1,000 in purchases each quarter at gas stations and restaurants. With each timely payment, your overall credit score will improve. This credit card has no annual fees and requires only a deposit of $200 to open a line of credit, which is on the low end for secured cards. As your credit score increases over time, you won?t need to make any additional deposits.?

Indigo Platinum Mastercard

If you have had financial difficulties in the past and can?t seem to find a good credit card provider for yourself, look into getting an Indigo Platinum MasterCard. When you apply for this card you get a soft pull on your credit – not a hard pull. Plus, because this card is an unsecured credit card, you do not need to deposit funds to open a line of credit, but it does have a small annual fee. You can avoid high interest rates and improve your credit score by making payments on time. You could apply for this credit card even if you filed for bankruptcy in the past.?

Credit One Bank Unsecured Visa

You can prequalify for this credit card without lowering your credit score. Plus, if you make your monthly payments on time, you can get a 1% cash back reward on all your purchases. The due dates are very flexible, but depending on your score you may have an annual fee on this card.?

Benefits of Having a Credit Card

Without a credit card, consumers are unfortunately at a disadvantage. Credit helps consumers get through emergency situations, and having access to credit is essential to building a credit score.

Credit cards help build credit and improve your credit score when you make monthly on-time payments. Higher credit scores lead to lower interest rates on loans. A lower interest rate allows you to pay off the loan faster and keep more money in your pocket.

Here are 3 benefits of having a credit card:

1. Access to an instant credit line.

Sometimes expenses need to be paid immediately. A credit card provides credit to pay off these expenses. It’s important to pay off the credit card before the due date so that you do not have to pay interest. If this is not possible in your financial situation, pay the minimum payment, so that you do not have to pay a late fee. Missing a payment lowers your score but paying only the minimum payment does not lower your score.

2. Build your credit.

The credit cards on this page accept consumers that other banks do not. When other banks say no, these credit card companies give you a chance to rebuild your credit.

3. Pay off purchases over time.

Credit cards allow you to make large purchases today and pay off the purchase price over time. Credit cards are a good option if you cannot afford to make a large purchase, but you know you can pay off the interest and the balance over time.

Tips and Tricks to Rebuild Your Credit Score

Having a higher credit score allows you to get lower interest rates on loans, such as personal loans or car loans. Many people who have lower credit scores can raise them, but they have to make the right moves. Here are 3 ways to increase your credit score.

1. Make monthly on-time payments.

When you make on-time payments, it shows that you have a history of paying back credit provided to you. This increases your credit score and allows lenders to provide you lower interest rates, because your score is higher.

2. Open more credit lines.

This does not mean that you should open credit lines and use all the credit provided to you. Opening more credit lines is smart because it helps increase your credit score. When you have more credit available to you but do not change your monthly expenses, the amount of credit you are using is lower. This is called your credit utilization. Opening more credit lines lowers your credit utilization. This increases your credit score, because it shows lenders that other lenders have given you credit and that you have not used all of it.

3. Don’t close unused credit cards.

Just like opening more credit lines decreases your credit utilization, leaving credit cards that you already have open – as long as you can pay the annual fee – is a smart financial move, because it also decreases your credit utilization. When you leave credit cards open the amount of credit that is available to you is higher. When you are not using this credit, your credit utilization is lower and this increases your credit score. Another reason not to close unused credit cards is that it increases the length of your credit history. If you keep your first credit card open, you will have a longer credit history. This is because having a credit account open for a long time increases your “average age of accounts,”? which is the average time that you keep a credit account open. When your average age of accounts is longer, your credit score is higher.

Conclusion

Getting access to credit with no credit score or a low credit score is possible by applying to these cards now. The credit options on this page are available to people with no credit or bad credit and have been chosen by CardResearch. Building credit is not easy, but anyone can gain access to credit and improve their credit by applying to the credit cards on this page.

?https://www.discovercard.com/application/website/apply?srcCde=KXPA/?from=cardresearch
?https://www.indigocard.com/get-your-platinum-card/?from=cardresearch
?https://www.discovercard.com/application/website/apply?srcCde=KXPA/?from=cardresearch

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Images used on this page are officially licensed for use by Adobe Stock Images. Copyright CardResearch 2018-21. For email assistance, please contact feedback@cardresearch.com

Other

Best Credit Cards For Cruises

cruise carnival
Celebrity Cruises? Visa Signature?
Royal Caribbean? Visa Signature?
Norwegian Cruise Line? Mastercard
Holland American Line Rewards Visa
Carnival Credit Card

Celebrity Cruises Visa Signature

Celebrity-Cruises-Visa-Signature

Read full review

Rating: 4 Stars

Bottom Line:
Rewards for Celebrity Cruise Ship Travelers

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74% – 24.74% (Variable)

Apply Now

Royal Caribbean Visa Signature

Royal-Caribbean-Visa-Signature

Read full review

Rating: 4 Stars

Bottom Line:
Cruise Rewards for Royal Caribbean, Celebrity and Azamara

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74 – 24.74% (Variable)

Apply Now

Norwegian Cruise Line Mastercard

Norwegian-Cruise-Line-Mastercard

Read full review

Rating: 4 Stars

Bottom Line:
For Norwegian Cruise Line Cruisers

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74 – 24.74% (Variable)

Apply Now

Holland American Line Rewards Visa

Holland American Line Rewards Visa Card

Read full review

Rating: 5 Stars

Bottom Line:
Rewards with Holland American Line

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 15.49%, 20.49% or 25.49% (Variable)

Apply Now

Carnival Credit Card

Carnival Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Rewards With Carnival And Major Cruise Lines

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.49%, 20.49% or 25.49% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Wyndham Hotels and Resorts Credit Cards

Wyndham couple
Wyndham Rewards Visa Signature No Annual Fee
Wyndham Rewards Visa Signature Annual Fee

Wyndham Rewards Visa Signature No Annual Fee

Wyndham Rewards Visa Signature No Annual Fee

Read full review

Rating: 4 Stars

Bottom Line:
For Frequent Wyndham Travelers Who Don?t Want To Pay An Annual fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74%, 21.49%, or 26.49% (Variable)

Apply Now

Wyndham Rewards Visa Signature Annual Fee

Wyndham Rewards Visa Signature Annual Fee

Read full review

Rating: 4 Stars

Bottom Line:
For Wyndham Travelers Looking for the Highest Reward Rate

Annual fee: $75
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74, 21.49 or 26.49% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Southwest Airlines Business Credit Cards

luggage southwest business
Southwest Rapid Rewards? Premier Business Credit Card
Southwest Rapid Rewards? Performance Business Credit Card

Chase Southwest Rapid Rewards Premier Card

Chase Southwest Rapid Rewards? Premier Card

Read full review

Rating: 5 Stars

Bottom Line:
For Southwest Airlines Travelers

Annual fee: $99
Credit Needed: (740-850) Excellent
Regular APR: 17.99% – 24.99% (Variable)

Apply Now

Southwest Rapid Rewards Premier Business Credit Card

chase-southwest-rapid-rewards-premier

Read full review

Rating: 5 Stars

Bottom Line:
For Business Owners Who Fly Southwest

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.74 – 24.74% (Variable)

Apply Now

Southwest Rapid Rewards Performance Business Credit Card

Southwest-Rapid-Rewards-Performance-Business-Card

Read full review

Rating: 5 Stars

Bottom Line:
High Rewards For Southwest Business Travelers

Annual fee: $199
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.74 – 24.74% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Visa Credit Cards

visa credit cards
Capital One? Venture? Rewards
Chase Sapphire Reserve? Card
Chase Sapphire Preferred? Card
Chase Ink Business Preferred? Credit Card
Chase Freedom Unlimited?
Capital One? Spark? Cash for Business
Capital One? Spark? Miles for Business
Capital One? Quicksilver? Cash Rewards Credit Card
PNC Core? Visa?
OpenSky? Secured Visa
My Best Buy? Visa?
Marriott Bonvoy Bold

Capital One Venture Rewards

Capital One Venture Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Annual fee: $0 intro for first year; $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.99% – 25.24% (Variable)

Apply Now

Chase Sapphire Reserve Card

Chase Sapphire Reserve Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Significant Travel Rewards For A Significant Fee

Annual fee: $450
Credit Needed: (740-850) Excellent
Regular APR: 18.99% – 25.99% (Variable)

Apply Now

Chase Sapphire Preferred Card

Read full review

Rating: 5 Stars

Bottom Line:
Rewards Program Bonus for Travelers

Annual fee: $95
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 18.24% – 25.24% (Variable)

Apply Now

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred? Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Rewards On Common Business Expenses

Annual fee: $95
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 18.24% – 23.24% (Variable)

Apply Now

Chase Freedom Unlimited

Read full review

Rating: 5 Stars

Bottom Line:
Earn Cash Back And Pay Off Purchases and Debt

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.24% – 25.99% (Variable)

Apply Now

Capital One Spark Cash for Business

Capital One? Spark? Cash for Business Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Annual fee: $0 intro for the first year, $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 18.74% (Variable)

Apply Now

Capital One Spark Miles for Business

Capital One? Spark? Miles for Business Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Earn Miles On All Purchases As A Business Owner

Annual fee: $0 for first year, $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 19.24% (Variable)

Apply Now

Capital One Quicksilver Cash Rewards Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Simple Cash Back With No Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.24% – 26.24% (Variable)

Apply Now

PNC Core Visa

PNC-Core-Visa-Credit-Card

Read full review

Rating: 5 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 11.74 – 21.74% (Variable)

Apply Now

My Best Buy Visa

my-best-buy-credit-card

Read full review

Rating: 4 Stars

Bottom Line:
Rewards for Best Buy Shoppers

Annual fee: None (Platinum), $59 (Gold)
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 26.99% (Variable)

Apply Now

Marriott Bonvoy Bold

Marriott-Bonvoy-Bold

Read full review

Rating: 5 Stars

Bottom Line:
No Annual Fee Marriott Rewards

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.74% – 24.74% (Variable)

Apply Now

Amtrak Guest RewardsWorld Mastercard

Amtrak-Guest-Rewards-World-Mastercard

Read full review

Rating: 4 Stars

Bottom Line:
For Frequent Amtrak Travelers

Annual fee: $79
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74% – 24.74% (Variable)

Apply Now

Citi / AAdvantage Platinum Select World Elite Mastercard

Citi-AAdvantage-Platinum-Select-World-Mastercard

Read full review

Rating: 5 Stars

Bottom Line:
For American Airlines Travelers

Annual fee: $0 in first year, $99 after first year
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.49% to 25.49% (Variable)

Apply Now

Citi Rewards+

Citi Rewards+ Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.49% – 25.49% (Variable)

Apply Now

HSBC Gold Mastercard

HSBC Gold Mastercard Credit Card

Read full review

Rating: 4 stars

Bottom Line:
Extended Purchase Payoff Period

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.24%, 17.24% or 21.24% (Variable)

Apply Now

First PREMIER Bank Mastercard

First PREMIER Bank Mastercard

Read full review

Rating: 4 Stars

Bottom Line:
Valuable Credit Line with Fees

Annual fee: $50 – $79 the first year, $45 – $49 after that
Credit Needed: (300 – 669) Bad/Fair
Regular APR:
36%

Apply Now

Fifth Third Bank Truly Simple Credit Card 

Fifth Third Bank Truly Simple? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Long No Interest Intro Period For Purchases and Balance Transfers And No Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.99% to 24.99% (Variable)

Apply Now

Fifth Third Bank TRIO Credit Card

Fifth Third Bank TRIO? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 16.24% to 25.24% (Variable)

Apply Now

Capital One Platinum

Capital One Platinum Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Annual fee: None
Credit Needed: (580-669) Average/Fair
Regular APR: 26.96% (Variable)

Apply Now

Brex Card for Ecommerce

Brex Card for Startups

Read full review

Rating: 5 Stars

Bottom Line:
60-Day Charge Card for Ecommerce Startups With $100,000 In Monthly Revenue

Annual fee: Up to $60
Credit Needed: (740 – 850) Excellent
Regular APR: None

Apply Now

Bank of America Cash Rewards

Bank of America? Cash Rewards Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.74% – 25.74% (Variable)

Apply Now

Bank of America Business Advantage Travel Rewards World Mastercard

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 13.24% – 23.24% (Variable)

Apply Now

Bank of America Business Advantage Cash Rewards Mastercard

Bank-of-America?-Business-Advantage-Cash-Rewards-Mastercard?

Read full review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.49% – 24.49% (Variable)

Apply Now

BankAmericard

BankAmericard? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.74% – 24.74% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Credit Cards for 2021

Mountain
Capital One? Venture? Rewards
Wells Fargo Propel American Express?
Discover it? Student Cash Back Credit Card
Discover it? Cash Back Credit Card
American Express? Platinum Card
Citi Simplicity? Card
Chase Sapphire Reserve? Card
Chase Sapphire Preferred? Card
Chase Ink Business Unlimited? Credit Card
Capital One? Spark? Cash for Business
Capital One? Secured Mastercard?
Discover it? Balance Transfer
Amex EveryDay? Credit Card
Fidelity? Rewards Visa Signature?
Discover it? Secured

Capital One Venture Rewards

Capital One Venture Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Annual fee: $0 intro for first year; $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.99% – 25.24% (Variable)

Apply Now

Wells Fargo Propel American Express

Wells Fargo Propel American Express Review

Read full review

Rating: 4 Stars

Bottom Line:
Rewards on Monthly Expenses

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.99% – 27.99% (Variable)

Apply Now

Discover it Student Cash Back Credit Card

Discover it? Student Cash Back

Read full review

Rating: 4 stars

Bottom Line:
High Cash Back for Students

Annual fee: None
Credit Needed: (300-669) Bad/Fair
Regular APR: 14.99% ? 23.99% (Variable)

Apply Now

Discover it Cash Back Credit Card

Discover It Cash Back

Read full review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.99% – 24.99% (Variable)

Apply Now

American Express Platinum Card

The Platinum? Card from American Express Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Perks For Frequent Travelers

Annual fee: $550
Credit Needed: (670 – 850) Excellent/Good
Regular APR: Not Stated In Terms and Conditions

Apply Now

Citi Simplicity Card

Citi Simplicity - No Late Fees Ever Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 16.24% – 26.24% (Variable)

Apply Now

Chase Sapphire Reserve Card

Chase Sapphire Reserve Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Significant Travel Rewards For A Significant Fee

Annual fee: $450
Credit Needed: (740-850) Excellent
Regular APR: 18.99% – 25.99% (Variable)

Apply Now

Chase Sapphire Preferred Card

Read full review

Rating: 5 Stars

Bottom Line:
Rewards Program Bonus for Travelers

Annual fee: $95
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 18.24% – 25.24% (Variable)

Apply Now

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited? Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Growing Business Card

Annual fee: None
Credit Needed: (740-850) Excellent
Regular APR: 15.24% – 21.24% (Variable)

Apply Now

Capital One Spark Cash for Business

Capital One? Spark? Cash for Business Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Annual fee: $0 intro for the first year, $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 18.74% (Variable)

Apply Now

Capital One Secured Mastercard

Capital One Platinum Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit With No Annual Fee Or Penalty APR

Annual fee: None
Credit Needed: (580-669) Average/Fair
Regular APR: 26.99% (Variable)

Apply Now

Discover it Balance Transfer

Discover It Balance Transfer Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Pay Off Debt

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.24% – 25.24% (Variable)

Apply Now

Amex EveryDay Credit Card

The-Amex-EveryDay-Credit-Card-square

Read full review

Rating: 5 Stars

Bottom Line:
Pay Off Debt with No Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 14.49% – 25.49% (Variable)

Apply Now

Fidelity Rewards Visa Signature

Fidelity-Rewards-Visa-Signature-Card

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Rating: 5 Stars

Bottom Line:
Unlimited Flat-Rate Cash Back for Fidelity Customers

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 15.74% (Variable)

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Discover it Secured

Discover-it-Secured

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.74% (Variable)

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Platinum Delta SkyMiles Business Credit Card from American Express

Platinum Delta SkyMiles? Business from American Express

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Rating: 4 Stars

Bottom Line:
Upgraded Delta Perks for Business

Annual fee: $195
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.74% – 26.74% Variable

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Gold Delta SkyMiles Credit Card from American Express

Gold Delta SkyMiles

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Rating: 4 Stars

Bottom Line:
Perks for Delta Flyers

Annual fee: $0 for the first year; then $95
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.74% – 26.74% Variable

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Bank of America Cash Rewards

Bank of America? Cash Rewards Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.74% – 25.74% (Variable)

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Bank of America Business Advantage Travel Rewards World Mastercard

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

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Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 13.24% – 23.24% (Variable)

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Bank of America Business Advantage Cash Rewards Mastercard

Bank-of-America?-Business-Advantage-Cash-Rewards-Mastercard?

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Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.49% – 24.49% (Variable)

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American Express Delta Reserve for Business Credit Card

American Express? Delta Reserve? for Business Credit Card

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Rating: 5 Stars

Bottom Line:
Delta Sky Club Included

Annual fee: $450, $550 if application is received on or after 1/30/2020
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.49% – 26.49% (Variable)

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American Express Blue Business Plus Credit Card

American Express Blue Business Plus Credit Card

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Rating: 5 Stars

Bottom Line:
Starter Business Points

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.24% – 21.24% (Variable)

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American Express Blue Business Cash Credit Card

American Express? Blue Business Cash

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Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.24% – 21.24% (Variable)

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American Express Business Platinum Card

The Platinum? Card from American Express Credit Card

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Rating: 4 Stars

Bottom Line:
For Business Travelers with Travel Expenses

Annual fee: $595
Credit Needed: (670 – 850) Good/Excellent
Regular APR: If you activate Pay Over Time: 19.74%

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American Express Business Green Rewards Card

American Express? Business Green Rewards

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Rating: 4 Stars

Bottom Line:
Business Charge Card

Annual fee: $0 for first year, then $95
Credit Needed: (670 – 850) Good/Excellent
Regular APR: If you activate Pay Over Time: 19.74%

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American Express Business Gold

American Express Business Gold Credit Card

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Rating: 4 Stars

Bottom Line:
Cost-Effective Business Rewards

Annual fee: $295
Credit Needed: (670 – 850) Excellent/Good
Regular APR: If you activate Pay Over Time: 16.24% – 24.24% (Variable)

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CitiBusiness / AAdvantage Platinum Select World Mastercard

Citi? / AAdvantage? Platinum Select? World Elite? Mastercard? Credit Card

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Rating: 5 Stars

Bottom Line:
For American Airlines Business Travelers

Annual fee: $0 in first year, $99 after first year
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.74% – 25.74% (Variable)

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Chase Ink Business Cash Credit Card

Chase Ink Business Cash? Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 15.24% – 21.24% (Variable)

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Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited? Credit Card

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Rating: 5 Stars

Bottom Line:
Growing Business Card

Annual fee: None
Credit Needed: (740-850) Excellent
Regular APR: 15.24% – 21.24% (Variable)

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Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred? Credit Card

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Rating: 5 Stars

Bottom Line:
Rewards On Common Business Expenses

Annual fee: $95
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 18.24% – 23.24% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Credit Cards For International Students

international student credit card
Deserve? Edu Mastercard for Students
Journey? Student Rewards from Capital One?
Discover it? Secured
Petal Card

Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Read full review

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Annual fee: None
Credit Needed: (580-669) Average/Fair/Limited
Regular APR: 26.96% (Variable)

Apply Now

Discover it Secured

Discover-it-Secured

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.74% (Variable)

Apply Now

Petal Card

Petal Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit Without Fees Or Credit History

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.74 – 25.74% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Student Credit Cards

woman credit card student
Deserve? Edu Mastercard for Students
Journey? Student Rewards from Capital One?
Discover it? Student Cash Back Credit Card
Citi Rewards+? Student Credit Card
Wells Fargo Cash Back College Card
Sallie Mae Ignite
Discover It Student Chrome
Bank of America? Travel Rewards for Students
Bank of America? Cash Rewards Credit Card for Students

Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Read full review

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Annual fee: None
Credit Needed: (580-669) Average/Fair/Limited
Regular APR: 26.96% (Variable)

Apply Now

Discover it Student Cash Back Credit Card

Discover it? Student Cash Back

Read full review

Rating: 4 stars

Bottom Line:
High Cash Back for Students

Annual fee: None
Credit Needed: (300-669) Bad/Fair
Regular APR: 14.99% ? 23.99% (Variable)

Apply Now

Citi Rewards+ Student Credit Card

Citi Rewards+ Student Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Student Grocery and Gas

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.49% – 25.49% (Variable)

Apply Now

Wells Fargo Cash Back College Card

Wells Fargo Cash Back College Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit in College

Annual fee: None
Credit Needed: (0 – 300) Limited/No
Regular APR: 12.90 – 22.90% (Variable)

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Sallie Mae Ignite

Sallie Mae Ignite

Read full review

Rating: 4 Stars

Bottom Line:
Cash Back for Students

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.74 – 24.74 (Variable)

Apply Now

Discover It Student Chrome

Discover It Student Chrome

Read full review

Rating: 5 Stars

Bottom Line:
Student Cash Back at Gas and Restaurants

Annual fee: None
Credit Needed: (580 – 669) Average/Fair
Regular APR: 14.74% – 23.74% (Variable)

Apply Now

Bank of America Travel Rewards Credit Card for Students

Bank-of-America-Travel-Rewards-for-Students

Read full review

Rating: 5 Stars

Bottom Line:
Student Travel Rewards Redeemable Through Travel Sites

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 16.74% – 24.74% (Variable)

Apply Now

Bank of America Cash Rewards Credit Card for Students

Bank-of-America-Cash-Rewards-Credit-Card-for-Students

Read full review

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures For Students

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 15.74% – 25.74% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Military Credit Cards

credit card military
USAA? Rewards? American Express
USAA Cashback Rewards Plus American Express
USAA Rate Advantage Visa Platinum?
Navy Federal nRewards Secured
Navy Federal cashRewards
Penfed Promise Visa?
PenFed Power Cash Rewards Visa Signature?
PenFed Pathfinder Rewards American Express
PenFed Platinum Rewards Visa Signature?

USAA? Rewards American Express

USAA? Rewards? American Express

Read full review

Rating: 5 Stars

Bottom Line:
Dining, Gas, and Groceries Rewards For Military Families

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 11.65% – 27.65% Variable

Apply Now

USAA Cashback Rewards Plus American Express

USAA? Cashback Rewards Plus American Express? Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Military Base Cash Back

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 13.90% – 27.90% (Variable)

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USAA Rate Advantage Visa Platinum

USAA-Rate-Advantage-Visa-Platinum

Read full review

Rating: 4 Stars

Bottom Line:
As Few Fees As Possible For Military Members and Their Families

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 8.65 – 25.65% (Variable)

Apply Now

Navy Federal nRewards Secured

Navy Federal nRewards Secured Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
For Armed Forces Members and Their Families to Build Credit

Annual fee: None
Credit Needed: (300 – 850) Bad/Limited/No
Regular APR: 11.65 – 18.00% (Variable)

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Navy Federal cashRewards

Navy Federal cashRewards Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
For Members of the Armed Forces and Their Families

Annual fee: None
Credit Needed: (580 – 850) Average/Fair/Good/Excellent
Regular APR: 11.65 – 18.00% (Variable)

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Penfed Promise Visa

Penfed-Promise-Visa

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Rating: 4 Stars

Bottom Line:
No Fees for PenFed Credit Union Members

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 11.74 – 17.99% (Variable)

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PenFed Power Cash Rewards Visa Signature

PenFed-Power-Cash-Rewards-Visa-Signature

Read full review

Rating: 5 Stars

Bottom Line:
Cash Back for PenFed Credit Union Members

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 11.74 – 17.99% (Variable)

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PenFed Pathfinder Rewards American Express

PenFed Pathfinder Rewards American Express

Read full review

Rating: 5 Stars

Bottom Line:
Travel Rewards for PenFed Credit Union Members

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 12.74 – 17.99% (Variable)

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PenFed Platinum Rewards Visa Signature

PenFed-Platinum-Rewards-Visa-Signature-Card

Read full review

Rating: 5 Stars

Bottom Line:
Gas and Groceries Travel Redemption for PenFed Credit Union Members

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 11.74 – 17.99% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Credit Union Credit Cards

credit card credit union
State Department EMV Savings Secured Visa Platinum
Navy Federal nRewards Secured
Navy Federal cashRewards
NASA Federal Platinum Advantage Rewards
Digital Federal Credit Union Visa? Platinum Secured 
Alliant Cashback Visa? Signature Card

State Department EMV Savings Secured Visa Platinum

Savings Secured Visa Platinum

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards

Annual fee: None
Credit Needed: (0 – 300) Limited/No
Regular APR: 13.74% (Variable)

Apply Now

Navy Federal nRewards Secured

Navy Federal nRewards Secured Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
For Armed Forces Members and Their Families to Build Credit

Annual fee: None
Credit Needed: (300 – 850) Bad/Limited/No
Regular APR: 11.65 – 18.00% (Variable)

Apply Now

Navy Federal cashRewards

Navy Federal cashRewards Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
For Members of the Armed Forces and Their Families

Annual fee: None
Credit Needed: (580 – 850) Average/Fair/Good/Excellent
Regular APR: 11.65 – 18.00% (Variable)

Apply Now

NASA Federal Platinum Advantage Rewards

NASA Credit Card

Read full review

Rating: 5 stars

Bottom Line:
Starter NASA Card with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 12.4% – 17.99% (Variable)

Apply Now

Digital Federal Credit Union Visa Platinum Secured 

Digital-Federal-Credit-Union-Visa-Platinum-Secured-Credit-Card

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit For DCU Members But A High Minimum Deposit

Annual fee: None
Credit Needed:
(580 – 669) Average/Fair/Limited/No
Regular APR: 13.25% (Variable)

Apply Now

Alliant Cashback Visa Signature Card

Alliant Cashback Visa

Read full review

Rating: 5 Stars

Bottom Line:
High Cash Back for Significant Purchases

Annual fee: $0 for the first year, then $99
Credit Needed: (740 – 850) Excellent
Regular APR: 12.24% – 15.24% (Variable)

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SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Rewards For PNC Account Holders

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.74 – 23.74% (Variable)

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NASA Federal Platinum Advantage Rewards

NASA Credit Card

Read full review

Rating: 5 stars

Bottom Line:
Starter NASA Card with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 12.4% – 17.99% (Variable)

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Chase Slate

Chase-Slate-Card

Read full review

Rating: 5 stars

Bottom Line:
Pay Off Debt with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74% – 25.49% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best No Fee Balance Transfer Credit Cards

no fee balance transfer credit card bills
Amex EveryDay? Credit Card
SunTrust Prime Rewards Credit Card
NASA Federal Platinum Advantage Rewards
Chase Slate?

Amex EveryDay Credit Card

The-Amex-EveryDay-Credit-Card-square

Read full review

Rating: 5 Stars

Bottom Line:
Pay Off Debt with No Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 14.49% – 25.49% (Variable)

Apply Now

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Rewards For PNC Account Holders

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.74 – 23.74% (Variable)

Apply Now

NASA Federal Platinum Advantage Rewards

NASA Credit Card

Read full review

Rating: 5 stars

Bottom Line:
Starter NASA Card with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 12.4% – 17.99% (Variable)

Apply Now

Chase Slate

Chase-Slate-Card

Read full review

Rating: 5 stars

Bottom Line:
Pay Off Debt with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74% – 25.49% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Balance Transfer Credit Cards

debt balance transfer
Chase Slate?
Wells Fargo Platinum Card
KeyBank Latitude
BB&T Bright? Card
Barclays Choice Privileges? Visa Signature?
Barclays AAdvantage? Aviator? Red World Elite Mastercard?
Bankamericard for Students
Citi Simplicity? Card
Avianca Vida Visa? Card
Applied Bank? Secured Visa? Gold Preferred

Chase Slate

Chase-Slate-Card

Read full review

Rating: 5 stars

Bottom Line:
Pay Off Debt with No Balance Transfer Fee

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 16.74% – 25.49% (Variable)

Apply Now

Wells Fargo Platinum Card

Wells Fargo Platinum Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Extended Purchase and Debt Payoff

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.49% – 26.99% (Variable)

Apply Now

KeyBank Latitude

KeyBank Latitude Credit Card

Read full review

Rating: 5 stars

Bottom Line:
Long Purchase and Debt Payoff Period

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 11.74% – 21.74% (Variable)

Apply Now

Barclays Choice Privileges Visa Signature

Barclays-Choice-Privileges-Visa-Signature

Read full review

Rating: 5 Stars

Bottom Line:
For Choice Hotels Travelers

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 16.74%, 21.49%, or 26.49% (Variable)

Apply Now

Barclays AAdvantage Aviator Red World Elite Mastercard

Barclays-AAdvantage-Aviator-Red-World-Elite-Mastercard

Read full review

Rating: 5 Stars

Bottom Line:
Bonus For American Airlines Travelers

Annual fee: $99
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.49%, 21.49% or 26.49% (Variable)

Apply Now

Bankamericard for Students

Bankamericard for Students

Read full review

Rating: 5 Stars

Bottom Line:
Purchase and Debt Payoff for Students

Annual fee: None
Credit Needed: (0 – 300) Limited/No
Regular APR: 14.74% ? 24.74% (Variable)

Apply Now

Citi Simplicity Card

Citi Simplicity - No Late Fees Ever Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 16.24% – 26.24% (Variable)

Apply Now

Avianca Vida Visa Card

Avianca-Vida-Visa-Card

Read full review

Rating: 4 Stars

Bottom Line:
Starter Avianca Airlines Card

Annual fee: $59
Credit Needed: (740 – 850) Excellent
Regular APR: 14.99% – 27.99% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best No Interest Credit Cards

interest payment bill
Citi Rewards+?
HSBC Gold Mastercard?
Fifth Third Bank Truly Simple? Credit Card
Discover it? Miles Credit Card
American Express Blue Cash Preferred?
American Express Blue Cash Everyday
Bank of America? Travel Rewards
BankAmericard?
American Express Blue Business Plus Credit Card
American Express Blue Business Cash Credit Card
American Airlines AAdvantage MileUp? Credit Card
American Express Cash Magnet? Credit Card
Citi Simplicity? Card
Capital One? VentureOne? Rewards Credit Card
Chase Ink Business Cash? Credit Card

Citi Rewards+

Citi Rewards+ Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.49% – 25.49% (Variable)

Apply Now

HSBC Gold Mastercard

HSBC Gold Mastercard Credit Card

Read full review

Rating: 4 stars

Bottom Line:
Extended Purchase Payoff Period

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.24%, 17.24% or 21.24% (Variable)

Apply Now

Fifth Third Bank Truly Simple Credit Card 

Fifth Third Bank Truly Simple? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Long No Interest Intro Period For Purchases and Balance Transfers And No Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 13.99% to 24.99% (Variable)

Apply Now

Discover it Miles Credit Card

Discover It Miles Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Double Miles In The First Year

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 14.24% – 25.24% (Variable)

Apply Now

American Express Blue Cash Preferred

American Express Blue Cash Preferred Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Annual fee: $95
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 14.99% – 25.99% (Variable)

Apply Now

American Express Blue Cash Everyday

American Express Blue Cash Everyday Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.99% – 25.99% (Variable)

Apply Now

Bank of America Travel Rewards

Bank of America Travel Rewards Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Redeem Travel Rewards On Well Known Travel Websites

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.24% – 25.24% (Variable)

Apply Now

BankAmericard

BankAmericard? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.74% – 24.74% (Variable)

Apply Now

American Express Blue Business Plus Credit Card

American Express Blue Business Plus Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Starter Business Points

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.24% – 21.24% (Variable)

Apply Now

American Express Blue Business Cash Credit Card

American Express? Blue Business Cash

Read full review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.24% – 21.24% (Variable)

Apply Now

American Airlines AAdvantage MileUp Credit Card

American Airlines AAdvantage MileUp? Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Travel Without An Annual Fee

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.49% to 25.49%

Apply Now

American Express Cash Magnet Credit Card

American Express Cash Magnet

Read full review

Rating: 5 Stars

Bottom Line:
Earn Cash Back and Pay Off Debt

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.99% – 25.99% (Variable)

Apply Now

Citi Simplicity Card

Citi Simplicity - No Late Fees Ever Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 16.24% – 26.24% (Variable)

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Capital One VentureOne Rewards Credit Card

Capital One VentureOne Card Image

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Rating: 5 Stars

Bottom Line:
Travel Rewards and 0% Intro APR

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 14.24% – 24.24% (Variable)

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Chase Ink Business Cash Credit Card

Chase Ink Business Cash? Credit Card

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Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Annual fee: None
Credit Needed: (740 – 850) Excellent
Regular APR: 15.24% – 21.24% (Variable)

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Citi Rewards+

Citi Rewards+ Credit Card

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Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Annual fee: None
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 15.49% – 25.49% (Variable)

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Discover it Miles Credit Card

Discover It Miles Credit Card

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Rating: 5 Stars

Bottom Line:
Double Miles In The First Year

Annual fee: None
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 14.24% – 25.24% (Variable)

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Capital One Platinum

Capital One Platinum Credit Card

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Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Annual fee: None
Credit Needed: (580-669) Average/Fair
Regular APR: 26.96% (Variable)

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Capital One QuicksilverOne Cash Rewards Credit Card

Capital One? QuicksilverOne? Cash Rewards Credit Card

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Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Annual fee: $39
Credit Needed: (580-669) Average/Fair/Limited
Regular APR: 26.96% (Variable)

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Discover it Secured

Discover-it-Secured

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Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.74% (Variable)

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Citi Secured Mastercard

Citi-Secured-Mastercard

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Rating: 4 Stars

Bottom Line:
Build Credit Without An Annual Fee

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.24% (Variable)

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Capital One Venture Rewards

Capital One Venture Credit Card

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Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Annual fee: $0 intro for first year; $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.99% – 25.24% (Variable)

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Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Credit Cards For College Graduates

merchant college graduate card
Capital One? Platinum
Capital One? QuicksilverOne? Cash Rewards Credit Card
Discover it? Secured
Citi Secured Mastercard?
Capital One? Venture? Rewards

Capital One Platinum

Capital One Platinum Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Annual fee: None
Credit Needed: (580-669) Average/Fair
Regular APR: 26.96% (Variable)

Apply Now

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One? QuicksilverOne? Cash Rewards Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Annual fee: $39
Credit Needed: (580-669) Average/Fair/Limited
Regular APR: 26.96% (Variable)

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Discover it Secured

Discover-it-Secured

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.74% (Variable)

Apply Now

Citi Secured Mastercard

Citi-Secured-Mastercard

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit Without An Annual Fee

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.24% (Variable)

Apply Now

Capital One Venture Rewards

Capital One Venture Credit Card

Read full review

Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Annual fee: $0 intro for first year; $95 after that
Credit Needed: (670 – 850) Excellent/Good
Regular APR: 17.99% – 25.24% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

Best Secured Credit Cards

money counting secured
Green Dot Visa? Secured
Green Dot primor? Visa? Gold Secured
Green Dot primor? Visa? Classic Secured Credit Card
Capital One? Secured Mastercard?
Unity Visa? Secured Credit Card
U.S. Bank Secured Visa?
SunTrust Secured Credit Card
State Department EMV Savings Secured Visa Platinum
OpenSky? Secured Visa
Navy Federal nRewards Secured
Merrick Bank Secured Visa?
LATAM Visa? Secured
Korean Air SKYPASS Visa? Secured Card
Discover it? Secured
Digital Federal Credit Union Visa? Platinum Secured

Capital One Secured Mastercard

Capital One Platinum Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit With No Annual Fee Or Penalty APR

Annual fee: None
Credit Needed: (580-669) Average/Fair
Regular APR: 26.99% (Variable)

Apply Now

Unity Visa Secured Credit Card

Unity-Visa-Secured-Credit-Card

Read full review

Rating: 4 Stars

Bottom Line:
Will Help You Build Credit

Annual fee: $39
Credit Needed: (0 – 300) Bad/Limited/Fair
Regular APR: 17.99% (Variable)

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U.S. Bank Secured Visa

U.S.-Bank-Secured-Visa

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit With Low APR

Annual fee: $29
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 20.49% (Variable)

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SunTrust Secured Credit Card

SunTrust Secured Credit Card

Read full review

Rating: 5 stars

Bottom Line:
Pay Down $5000 or More in Credit Card Debt Over 36 Months

Annual fee: $32
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 21.74% (Variable)

Apply Now

State Department EMV Savings Secured Visa Platinum

Savings Secured Visa Platinum

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards

Annual fee: None
Credit Needed: (0 – 300) Limited/No
Regular APR: 13.74% (Variable)

Apply Now

Navy Federal nRewards Secured

Navy Federal nRewards Secured Credit Card

Read full review

Rating: 4 Stars

Bottom Line:
For Armed Forces Members and Their Families to Build Credit

Annual fee: None
Credit Needed: (300 – 850) Bad/Limited/No
Regular APR: 11.65 – 18.00% (Variable)

Apply Now

Merrick Bank Secured Visa

Merrick-Bank-Secured-Visa-Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit with Bad Credit

Annual fee: None
Credit Needed: (300 – 669) Bad/Average/Fair
Regular APR: 19.20% (Variable)

Apply Now

LATAM Visa Secured

LATAM-Visa-Secured-Card

Read full review

Rating: 4 Stars

Bottom Line:
Build Credit and Earn LATAM Rewards

Annual fee: None for first year, then $25
Credit Needed: (670 – 850) Good/Excellent
Regular APR: 17.74% – 24.74% (Variable)

Apply Now

Korean Air SKYPASS Visa Secured Card

Korean-Air-SKYPASS-Visa-Secured-Card

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Korean Air SKYPASS Rewards

Annual fee: $50
Credit Needed: (300-669) Bad/Limited/No
Regular APR: 17.99% (Variable)

Apply Now

Discover it Secured

Discover-it-Secured

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Annual fee: None
Credit Needed: (0 – 300) Bad/Limited/No
Regular APR: 24.74% (Variable)

Apply Now

Digital Federal Credit Union Visa Platinum Secured 

Digital-Federal-Credit-Union-Visa-Platinum-Secured-Credit-Card

Read full review

Rating: 5 Stars

Bottom Line:
Build Credit For DCU Members But A High Minimum Deposit

Annual fee: None
Credit Needed:
(580 – 669) Average/Fair/Limited/No
Regular APR: 13.25% (Variable)

Apply Now

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Other

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