The Ultimate Guide to Credit Cards
Thursday, May 26, 2022

3 Simple Questions — “Best Credit Card for Me” Quiz

Best Credit Card For Me Quiz

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian is a Content Editor who brings her journalism experience in business and consumer finance to ensure CardRates news articles and reports have been edited for overall clarity, accuracy, and reader engagement. Her primary goal is to assure editorial content meets the highest level of quality and precision.

See full bio »
Advertiser Disclosure

Answering the common question, What credit card is best for me? isn’t so simple. Although most of us prefer to have a range of options, research suggests that too many options can put our brains into overload, making us nearly incapable of coming to a decision. The modern credit card market is a perfect example of too much choice, with everyone from banks and credit unions to our favorite retailers offering credit cards from which to choose.

To help cut through the field of options, we’ve put together a quick quiz that can direct you toward the right card in just three simple questions. Starting with:

What is your primary credit card objective?

Earn Rewards IconFees IconBuild Credit IconBusiness Purchases Icon

(Select Your Answer)

Earning Credit Card Rewards

Arguably the most compelling reason to shop using a credit card (beyond the greater security, that is), credit card rewards are basically like a universal rebate that helps you save money on every purchase.

The first step to finding the right rewards credit card is to determine what type of rewards you’re most likely to use; after all, rewards do you little good if they go unredeemed.

Cash back is a great solution for those who want simple rewards with a consistent value. Rewards points and miles, on the other hand, can offer greater earnings rates at redemption, but typically only when redeemed for travel.

What type of rewards are you most likely to use?

Cash Back IconTravel Rewards Icon

(Select Your Answer)

Cash Back Rewards Cards

Once you know you want to earn cash back rewards, you’ll need to decide how you want to earn your cash back. This decision will come down to how much effort you want to put into maximizing your cash back rewards.

If you want to keep your cash back simple, you can go with an unlimited cash back rewards card that provides the same rate on every purchase.

If you want to maximize your cash back rewards earnings, you can select a card (or several) that provides bonus cash back rewards for purchases in common categories like groceries and restaurants.

Do you want simple rewards or to maximize your earnings?

Simple IconMaximize Icon

(Select Your Answer)

Unlimited Cash Back Rewards Cards

Congratulations! You’ve chosen to go with an unlimited cash back rewards card without bonus categories.

With any of these cards, you’ll receive cash back rewards on every new purchase, introductory APR offers, and no annual fee.

Given that these cards offer many of the same benefits, simply pick your favorite issuer and/or network and apply now.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
14.74% - 24.74% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good
Bank of America® Unlimited Cash Rewards Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • Earn unlimited 1.5% cash back on all purchases
  • No limit to the amount of cash back you can earn and cash rewards don’t expire
  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After that, a Variable APR that's currently 14.24% to 24.24% will apply. A 3% fee (min $10) applies to all balance transfers.
  • Preferred Rewards members earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase. Learn More About Preferred Rewards.
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
14.24% - 24.24% (variable)
$0
Good

Start the Quiz Over

Bonus Category Cash Back Rewards Cards

Congratulations! You’ve chosen to go with a cash back credit card with bonus cash back categories.

The best way to determine which cash back bonus category card to select is to consider where you spend the most money.

If your spending varies throughout the year, try a card with rotating categories. If you always spend a lot on gas, dining, or groceries, choose a card with bonuses for those purchases.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average
Chase Freedom Flex℠ Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent
Bank of America® Customized Cash Rewards Credit Card Review

at Bank Of America'ssecure website

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • Enjoy a $200 cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • Introductory 0% APR for your first 15 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies), then a variable APR applies
  • Preferred Rewards members earn 25% - 75% more cash back on every purchase
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
14.24% - 24.24% Variable
$0
Good/Excellent

Start the Quiz Over

Travel Rewards Cards

For the frequent traveler — or simply those who wish to be — travel rewards credit cards can be a treasure trove of freebies as well as nearly priceless perks.

Getting the most out of your points or miles card will come down to how much work you want to put into maximizing your earnings. Flexible miles cards, for example, give you a flat per-mile redemption value on any flight, any time.

In general, rewards points are much more versatile than most miles and can unlock a lot of value when redeemed wisely. That said, redeeming points for high-value travel will take more work and you may end up at the mercy of availability for certain redemption options.

Do you want flexible flat-rate miles or versatile points you can maximize?

Flexible Miles Icon Versatile Points Icon

(Select Your Answer)

Flexible Miles Cards with Flat-Rate Value

Congratulations! You’ve chosen to go with a flexible travel miles rewards credit card.

With these travel rewards cards, you’ll earn unlimited miles on every purchase and can redeem those miles for statement credit toward any qualifying travel-related purchases.

While flights, hotels, and car rentals will qualify as travel for most cards, each issuer will have its own classifying for what qualifies as a “travel-related expense,” so you can use that distinction to pick a specific card.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

Start the Quiz Over

Versatile Points Cards with Variable Value

Congratulations! You’ve chosen to go with a versatile points rewards credit card.

With these cards, you can easily transfer your points to partner hotel and airline loyalty programs for direct redemption with your favorite brands. You can also redeem points for cash back, merchandise, and experiences, though per-point value will be less for these options.

Choose a specific points card by taking a look at the issuer’s hotel and airline partners to find the best match to your preferred brands.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.24% Variable
$550
Good/Excellent
BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent
CITI® RATING
★★★★★
4.6
OVERALL RATING
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% - 24.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 15 months on Purchases and Balance Transfers
0% Intro APR Period 15 months on Purchases and Balance Transfers
14.24% - 24.24% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Start the Quiz Over

Saving on Credit Card Fees

If credit cards have one primary downside, it’s most likely the myriad fees they tend to charge. Some cards charge a fee simply for having them, typically in the form of an annual fee.

Carrying a balance on your card can also come with fees, namely interest rate fees. Averaging around 16%, interest charges can add up quickly.

And then there are the transaction fees, like foreign transaction fees, which can cost as much as 3% to 5% of each purchase in another currency. Thankfully, the right card can help you save on nearly every credit card fee.

On what type of fees do you want to save?

Annual Fee Icon Interest Fee IconForeign Transaction Fee Icon

(Select Your Answer)

Credit Cards with No Annual Fees

Although paying an annual fee for some cards can be well worth paying it — either for their high rate of return on rewards or for their secondary benefits — you can get a good deal on plenty of awesome cards for which you don’t need to pay an annual fee.

As with most things in the consumer finance world, of course, the better your credit, the more options you’ll have available to you. However, you do still have some options for annual-fee-free credit cards even with fair or even bad credit.

Into which credit score range do you fall?

Good Credit IconFair Credit IconBad Credit Icon

(Select Your Answer)

Credit Cards with No Annual Fees for Good Credit

Congratulations! You’ve chosen to go with a card with no annual fee for good-credit consumers.

With good credit, you’ll have a wide range of credit card options that won’t charge an annual fee but will still offer solid rewards.

Most no-fee credit cards will offer cash back rewards, rather than points or miles, so choosing from the fee-free options will come down to deciding whether you want unlimited cash back rewards or bonus rewards in rotating categories.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent
CITI® RATING
★★★★★
4.8
OVERALL RATING
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
14.74% - 24.74% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Start the Quiz Over

Credit Cards with No Annual Fees for Fair Credit

Congratulations! You’ve chosen to go with a card with no annual fee for fair-credit consumers.

With fair credit, your options for no-annual-fee credit cards will include a variety of base-model unsecured cards, though you may find better rewards and benefits if you go with a secured credit card instead. Unsecured cards from a credit union can also provide good benefits with low or no fees.

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
Discover it® Secured Credit Card Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
  • No credit score required to apply.*
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
23.24% Variable APR
$0
New/Rebuilding
DCU Visa® Platinum Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
  • DCU’s Visa Platinum Credit Card offers a rate lower than you’ll find on most other bank or store cards. Annual fees or additional fees for balance transfers? You won’t find either of those here.
  • Embedded EMV chip - this tiny chip protects your information in a big way.
  • Mobile Wallet Compatible - works with Apple Pay®, Google Pay™, and Samsung® Pay.*
  • Optional overdraft protection - We’ll transfer the balance of any overdrafts from your DCU checking account to your DCU Visa Platinum account up to your available limit.
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
8.50% - 18% Variable
$0
Average/Good

Start the Quiz Over

Credit Cards with No Annual Fees for Bad Credit

Congratulations! You’ve chosen to go with a card with no annual fee for bad-credit consumers.

With bad credit, your fee-free credit card options are limited to secured credit cards that require a deposit to open and maintain. But you may earn rewards and a chance to upgrade to unsecured card within a few months.

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Secured Sable ONE Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
  • Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More! And 1% cashback on everything else!
  • No credit check or US credit history required.
  • No SSN required for non-US citizens.
  • Build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).
  • Get unsecured in as little as 4 months!
  • No annual fee, no foreign transaction fees, no minimum security deposit.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
10.99% (Variable)
$0
No Credit

Start the Quiz Over

Credit Cards with No Interest Fees

If left to accrue, credit card interest fees — the cost of carrying a balance — can turn even a modest purchase into an expensive buy. And while interest fees can be avoided by simply paying your balance in full each billing cycle, that’s not always an option. That’s where introductory 0% APR offers can come in handy.

Whether you want to avoid interest on an upcoming purchase or reduce the amount of interest you’re paying on a current balance with a transfer, there’s likely a card that can help you beat the interest fees.

What type of interest fees do you want to avoid?

New Purchases Icon Balance Transfers Icon

(Select Your Answer)

Credit Cards with No Interest on New Purchases

Congratulations! You’ve chosen to go with a card with an introductory 0% APR offer on new purchases.

The best intro-APR deals will provide 0% APR on new purchases for 12 months or more, plus many also earn solid purchase rewards and won’t charge an annual fee.

And since you can earn rewards on your interest-free purchases, the type of rewards you earn can be a good way to pick a specific card.

0% INTRO APR RATING
★★★★★
4.8
OVERALL RATING
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.24% - 23.99% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 18 months
0% Intro APR on Balance Transfers 18 months
15.24% - 23.99% Variable
$0
Good/Excellent
0% INTRO APR RATING
★★★★★
4.7
OVERALL RATING
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
15.24% - 23.99% Variable
$0
Good/Excellent
0% INTRO APR RATING
★★★★★
4.7
OVERALL RATING
4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

Start the Quiz Over

Credit Cards with No Interest on Balance Transfers

Congratulations! You’ve chosen to go with a card with an introductory 0% APR offer on balance transfers.

The best balance transfer deals will provide at least 12 months of 0% APR on transferred balances, with some providing up to 18 months. Keep in mind that most credit cards will charge a balance transfer fee, so choose the card with the lowest fee to save the most on your transfer.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING
★★★★★
5.0
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • No annual fee.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average
0% BALANCE TRANSFER RATING
★★★★★
4.9
OVERALL RATING
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 12 months on Purchases
0% Intro APR Period 21 months on Balance Transfers
15.49% - 25.49% (Variable)
$0
Excellent, Good Credit

Additional Disclosure: Citi is a CardRates advertiser.

0% BALANCE TRANSFER RATING
★★★★★
4.9
OVERALL RATING
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 12 months on Purchases
0% 21 months on Balance Transfers
14.49% - 24.49% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Start the Quiz Over

Credit Cards with No Foreign Transaction Fees

Foreign transaction fees are charged to cover the cost of converting currency from US dollars to and/or from a foreign currency. These fees are charged on every card purchase, and they can turn an already pricey vacation into a downright expensive one.

The simplest way to avoid foreign transaction fees is to use a card that doesn’t charge them. Happily, there are a number of options available to qualified consumers.

Although Discover and American Express are certainly expanding their reach every year, Visa and Mastercard are the undeniable leaders in global acceptance, with most merchants accepting at least one of the two networks.

Which credit card network do you prefer to use abroad?

Visa IconMastercard Icon

(Select Your Answer)

Visa Credit Cards with No Foreign Transaction Fees

Congratulations! You’ve chosen to go with a Visa credit card with no foreign transaction fees.

Given that many of the best Visa credit cards without foreign transaction fees are designed to be travel rewards cards, choosing a card from the options may come down to deciding the type of travel rewards from which you’ll get the most use.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good
Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
  • Earn 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Introductory 0% APR offer on purchases, then a variable APR applies
  • Preferred Rewards members earn 25%-75% more points on every purchase. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% APR for 15 billing cycles
N/A
13.99% - 23.99% Variable
$0
Excellent/Good

Start the Quiz Over

Mastercard Credit Cards with No Foreign Transaction Fees

Congratulations! You’ve chosen to go with a Mastercard credit card with no foreign transaction fees.

Your options for a Mastercard without foreign transaction fees include several travel rewards cards, with both flexible miles cards and versatile points cards, as well as cash back cards, so you’ll need to figure out which type of rewards you’ll use the most to make a final decision.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good
BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.74% - 24.74% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Start the Quiz Over

Building Credit with Credit Cards

Whether you’re just starting on your consumer credit journey, or you’ve taken a few wrong turns and need to get back on track, responsible credit card use can be a good way to build — or rebuild — your credit history and scores. The best way to build credit with a credit card is to make your credit card bill payment on time every time — your payment history is the most important credit scoring factor.

But one of the biggest problems most consumers with low (or no) credit scores will face when trying to get a credit card to build credit is being approved in the first place. Credit card issuers, like any lenders, dislike risk, and low credit scores tend to indicate high credit risk.

The best way to ensure you’re approved for a credit card offer when you apply is to choose a card designed for your specific credit type. Those consumers with no or limited credit histories will often qualify for slightly better cards than those applicants with bad credit.

Which best describes your current credit situation?

No/Limited Credit IconBad Credit Icon

(Select Your Answer)

Credit Cards for Consumers with No/Limited Credit

It takes around six months of credit history for a credit bureau to compile enough information for a FICO Score to be calculated, which is the metric used by most lenders to determine your credit risk.

The world of no/limited credit is one with two main types of credit newbies: students — and everyone else. A number of credit card issuers offer cards specifically designed for students that tend to come with better perks than typical start cards.

Are you currently (or about to be) a college student?

Student IconNot a Student Icon

(Select Your Answer)

Credit-Building Credit Cards for Students

Congratulations! You’ve chosen to go with a student credit card for no/limited credit.

Most student credit cards will offer some type of purchase rewards, usually cash back. They’ll also often come with secondary benefits just for students, including late payment forgiveness or good grades statement credits.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING
★★★★★
4.6
OVERALL RATING
  • No credit score required to apply.*
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
13.24% - 22.24% Variable APR
$0
Fair/New to Credit
STUDENT RATING
★★★★★
4.6
OVERALL RATING
4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING
★★★★★
4.6
OVERALL RATING
  • No credit score required to apply.*
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
13.24% - 22.24% Variable APR
$0
Fair/New to Credit

Start the Quiz Over

Credit-Building Credit Cards for Everyone

Congratulations! You’ve chosen to go with a general consumer credit card for no/limited credit.

While students tend to get the best perks when starting out, there are still a number of solid entry-level cards available to those who need to establish and build their credit history.

While you may need to pay an annual fee for purchase rewards, fee-free options are also available.

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Discover it® Secured Credit Card Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★
4.0
OVERALL RATING
  • No credit score required to apply.*
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.*
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% Intro APR for 6 months
23.24% Variable APR
$0
New/Rebuilding

Start the Quiz Over

Credit Cards for Consumers with Bad Credit

Although it takes months to years to build up a good credit score, it only takes one or two delinquent payments to wind up with a bad one. And the worse your score becomes, the fewer and more expensive your credit card options become.

In general, bad-credit consumers will need to go with an unsecured subprime credit card offer or a secured credit card. While unsecured subprime cards won’t require a deposit, they often come with high fees and APRs.

Thanks to their deposit, secured credit cards are less risky to the lender, so they frequently offer lower fees and interest rates, and may also come with rewards on eligible purchases. Your deposit is completely refundable so long as you don’t default on your credit card balance.

Can you make a refundable deposit to open your account?

Deposit Icon No Deposit Icon

(Select Your Answer)

Secured Credit Cards for Bad Credit

Congratulations! You’ve chosen to go with a secured credit card for bad credit.

To open a secured credit card, you’ll still need to fill out an application and apply like any other card. If approved, you’ll make a refundable deposit that will act as collateral so long as your account remains open and in good standing.

Choosing a secured credit card will likely come down to whether you want a low APR or you want to earn rewards on eligible purchases. If you’re likely to carry a balance — which isn’t’ recommended — go for a lower APR. If not, try a rewards card for extra savings while you build your credit score.

SECURED RATING
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
SECURED RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Secured Sable ONE Credit Card Review

at the issuer'ssecure website

SECURED RATING
★★★★★
4.6
OVERALL RATING
  • Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and More! And 1% cashback on everything else!
  • No credit check or US credit history required.
  • No SSN required for non-US citizens.
  • Build US credit history from day 1 at major credit bureaus (get $25 when you build your credit score to a 700+ credit score within 12 months of use).
  • Get unsecured in as little as 4 months!
  • No annual fee, no foreign transaction fees, no minimum security deposit.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
10.99% (Variable)
$0
No Credit

Start the Quiz Over

Unsecured Credit Cards for Bad Credit

Congratulations! You’ve chosen to go with an unsecured subprime credit card for bad credit.

While there are a number of options available for bad-credit applicants to find unsecured credit cards, those options will all tend to come with either severe limitations — such as in the case of closed-loop store cards — or particularly high fees and APRs.

Surge Mastercard® Review

at Celtic Bank'ssecure website

UNSECURED RATING
★★★★★
4.7
OVERALL RATING
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
24.99% – 29.99% (Variable)
See website for Details
See website for Details*
Reflex Mastercard® Review

at Celtic Bank'ssecure website

UNSECURED RATING
★★★★★
4.6
OVERALL RATING
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% - 29.99% (Variable)
See Terms
Bad, Fair, or No Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at Indigo® Mastercard®'ssecure website

UNSECURED RATING
★★★★★
4.6
OVERALL RATING
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good

Start the Quiz Over

Making Purchases with Business Credit Cards

If the consumer credit card world is an ocean of options, then the business credit cards available these days are at least a good-sized lake, if not a small sea.

Nearly any credit card variation available to consumer cardholders is present in the business card space, with everything from unlimited cash back rewards to bonus-category based travel rewards being offered by multiple issuers.

Indeed, choosing a business credit card quite often will come down to deciding which type of rewards you want to earn — and how you want to earn them.

Do you want your business purchases to earn simple flat-rate rewards or category rewards you can maximize?

Simple IconMaximize Icon

(Select Your Answer)

Flat-Rate Business Rewards Credit Cards

A good choice for busy bosses everywhere, flat-rate rewards cards offer the savings benefits of rewards without the hassle of tracking categories to optimize your earnings.

And, even better, you don’t have to limit yourself to one type of rewards to get the time-saving perks of flat-rate rewards. Options for both cash back and points or miles are available for well-qualified business owners.

What type of rewards are you most likely to redeem?

Cash Back IconPoints/Miles Icon

(Select Your Answer)

Flat-Rate Cash Back Business Credit Cards

Congratulations! You’ve chosen to go with a flat-rate cash back rewards business credit card.

With these cards, you’ll earn cash back at the same rate regardless of what you purchase, with no limit on how much cash back you can earn.

While cash back rates may vary, so, too, will annual fees, APRs, and introductory deals, so choose the card with the most useful fringe benefits and protections.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.49% - 19.49% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • 0% Intro APR for the first 12 months; 16.24% - 24.24% variable APR after that
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
16.24% - 24.24% (Variable)
$0
Good
Blue Business Cash™ Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn a $250 statement credit after you spend $3,000 in qualifying purchases on your card within the first 3 months of Card Membership.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
  • 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
  • Get an approval decision in as little as 30 seconds
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.49% - 21.49% Variable
$0
Good/Excellent

Start the Quiz Over

Flat-Rate Points/Miles Business Credit Cards

Congratulations! You’ve chosen to go with a flat-rate points or miles rewards business credit card.

Although flat-rate points or miles cards earn the same amount of rewards regardless of your purchase category, redeeming those rewards may still require a little more work or have more variables than simple cash back.

In particular, some flat-rate miles cards may only allow redemption for travel-related expenses. Flat-rate points rewards cards will tend to have more redemption options, but your per-point value will usually vary based on how you redeem.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good
Business Advantage Travel Rewards World Mastercard® credit card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center
  • You can earn up to 75% more points on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and 5.25 points per $1 spent at the Bank of America Travel Center.
  • 0% introductory APR on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.49% - 22.49% Variable
$0
Good

Start the Quiz Over

Bonus Category Business Rewards Credit Cards

As with consumer rewards credit cards, getting the most value out of your business rewards credit cards will require wise use of bonus category cards.

You can maximize your rewards earnings by choosing a card (or cards) that provides bonus rewards for the business purchases you make most often. For example, if your business goes through a lot of office supplies, you can potentially save big with a card that offers bonus rewards for those purchases.

In which category does your business make the most purchases?

Travel Icon Office Supplies IconCommunication Services Icon

(Select Your Answer)

Credit Cards with Bonus Rewards for Travel

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for travel purchases.

If travel is a big part of your business, a travel rewards credit card can offer not only a way to save on your flights, hotels, and other travel-related expenses, but also a good source of extra perks and benefits that can make your travel that much more pleasant.

Choosing a bonus travel rewards credit card will likely come down to how much you travel. For moderate travelers, a card that also offers other bonus rewards categories may be better than one that directly caters to travelers alone.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 21.24% Variable
$95
Good/Excellent
Business Platinum Card® from American Express Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
  • Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • 0% Intro APR for 12 months from the date of account opening on purchases eligible for Pay Over Time
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.49% - 22.49% Pay Over Time
$695
Excellent
Business Advantage Travel Rewards World Mastercard® credit card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.5
OVERALL RATING
  • Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center
  • You can earn up to 75% more points on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and 5.25 points per $1 spent at the Bank of America Travel Center.
  • 0% introductory APR on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.49% - 22.49% Variable
$0
Good

Start the Quiz Over

Credit Cards with Bonus Rewards for Office Supplies

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for office supply purchases.

While more businesses are going paperless, office supplies are still a major part of the budget for many companies. Of course, they’re rarely the only thing in the budget, so choosing the right card will often come down to the secondary rewards categories.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.49% - 19.49% Variable
$0
Good/Excellent
Business Advantage Customized Cash Rewards credit card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter
  • Earn unlimited 1% cash back on all other purchases
  • Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
  • 0% on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.49% to 22.49% Variable
$0
Good
JetBlue Business Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn up to 70,000 bonus points after spending $1,000 in the first 90 days, and earn 10,000 bonus points after a purchase is made on an employee card
  • Earn 6X points on eligible JetBlue purchases, plus 2X points at restaurants and office supply stores, 1X points on all other purchases
  • Earn 5,000 bonus points every year after your account anniversary
  • Receive a 50% savings on eligible inflight purchases of cocktails and food on JetBlue-operated flights
  • Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card
  • Free first checked bag for you and up to 3 companions on the same reservation when you use your card to book JetBlue-operated flights.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% or 25.24% (variable), based on creditworthiness
$99
N/A

Start the Quiz Over

Credit Cards with Bonus Rewards for Communication Services

Congratulations! You’ve chosen to go with a business rewards card with bonus rewards for communication services purchases.

If there’s one thing every business needs, it’s a way to communicate with its customers, clients, and/or contractors. And that’s before you add in the high-speed internet and WiFi that are nearly mandatory for modern life.

With a range of cards offering bonus rewards for communication services, choosing the right card for your business will rely on the secondary bonus categories and benefits offered by your business rewards credit card.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.49% - 19.49% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 21.24% Variable
$95
Good/Excellent
Amazon Business Prime American Express Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Welcome Offer: Receive a $125 Amazon.com gift card upon approval
  • 5% Back or 90 Days Terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership on the first $120,000 in purchases each calendar year, 1% Back thereafter
  • 2% Back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers
  • 1% Back on other purchases
  • Expense management tools to help you track and organize expenses
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.49% - 22.49% Variable
$0
Good/Excellent

Start the Quiz Over

Choosing the Right Card Can Make All the Difference

Variety may be the spice of life, but, as the saying goes, sometimes you can have too much of a good thing. And in some cases, too much variety can hamper your ability to make a decision at all.

When it comes to choosing the best credit card for you, don’t let the scope of the challenge prevent you from making a choice. Just answer our three simple questions to narrow down your options.

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