Double Your Line™ Platinum Visa® Merrick Bank
Double Your Line™ Platinum Visa®
Merrick Bank
Apply now
On Merrick Bank‘s site

Credit cards

Best credit cards in USA for today.

Merit Platinum
Merit Platinum
$177.24
Annual Fee
None
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Meritplatinum‘s website
FIT Mastercard® The Bank of Missouri
FIT Mastercard®
The Bank of Missouri
$99
Annual Fee
29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On The Bank of Missouri‘s site
Triple Cash Rewards Visa® Upgrade
Triple Cash Rewards Visa®
None
Annual Fee
8.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Accepted Platinum
Accepted Platinum
$269.35
Annual Fee
None
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Acceptedplatinum‘s website

Best Credit Cards in January 2022

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Double Your Line™ Platinum Visa® Merrick Bank
Apply now
On Merrick Bank‘s site
Our Rating:
4.1 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $72 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    19.45% - 28.45% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    Merrick Bank
  • Details:

    The Merrick Bank Double Your Line™ Platinum Visa® is good for people looking to build or rebuild credit.

    Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

    The APR for purchases is 19.45% - 28.45% (Variable). The card's annual fee: $0 - $72 annually.

    Credit lines range from $500 - $1,350 which double to $1,000 - $2,700 after your account qualifies. No security deposit required.

  • Pros:
    • Double your credit limit
    • Free monthly FICO Score access
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
  • Benefits:
    • $0 Fraud Liability;
    • Double Your Line™;
    • Exclusive Platinum Visa Benefits.
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Merit Platinum
Apply now
On Meritplatinum‘s website
Our Rating:
3.1 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $177.24 annually ($14.77 per month)
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Details:

    The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

    The card provides you with a merchandise credit line of $750.

  • Pros:
    • Fast and Easy Application
    • Reports to Major Credit Bureau
  • Cons:
    • Valid at the Horizon Outlet store
  • Benefits:
    • $750 Merchandise Credit Line;
    • Reports to Major Credit Bureau;
    • No Employment or Credit Check.
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FIT Mastercard® The Bank of Missouri
Apply now
On The Bank of Missouri‘s site
Our Rating:
3.2 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    The Bank of Missouri
  • Details:

    The Fit Mastercard Credit Card helps to rebuild or build your credit.

    The Fit Mastercard Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

    The FIT Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

    Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

  • Pros:
    • Credit may increase with time
    • Low eligibility requirements
    • Reasonable credit limit
    • No Security deposit
    • Credit Score Access
  • Cons:
    • High extra fees
    • High APR
    • Foreign Transaction Fee
    • No reward program
    • No Sign up Bonus
  • Benefits:
    • $0 Fraud Liability;
    • Initial Credit Limit of $400;
    • Potential Credit Limit Increase After Just 6 Months;
    • Free Monthly Credit Score;
    • Reports to All Three Major Credit Bureaus.
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Triple Cash Rewards Visa® Upgrade
Apply now
On Upgrade‘s website
Our Rating:
3.84 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    8.99% - 29.99% Regular
  • Balance Transfer APR:
    None
  • Details:

    The Upgrade Triple Cash Rewards Visa® offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else. Plus, the card has no fees.

    The card's APR: 8.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.
View all Triple Cash Rewards Visa® details
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Accepted Platinum
Apply now
On Acceptedplatinum‘s website
Our Rating:
4 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $269.35 (incl. one-time application fee $29.95)
  • Purchase Intro APR:
    0% Introductory APR
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Details:

    The Accepted Platinum Card is a special card for online shopping.

    The Accepted Platinum card offers fast, trackable and reliable roadside service.

    The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

    The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

    The Accepted Platinum Card has no penalties for prepayment.

  • Pros:
    • No Foreign Transaction Fee
    • Introductory APR period
  • Cons:
    • No rewards
    • No Intro APR period on balance transfer
  • Benefits:
    • $1,000.00 Credit Line;
    • No Credit Checks & No Credit Turndowns;
    • 24/7 Roadside Assistance;
    • Low Monthly Payments.
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Cash Rewards Upgrade
Apply now
On Upgrade‘s website
Our Rating:
2.96 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    8.99% - 29.99% Regular
  • Balance Transfer APR:
    None
  • Details:

    The Upgrade Visa® Card with Cash Rewards offers 1.5% Cash Back on payments. Plus, the card has no extra fees.

    The card's APR: 8.99% - 29.99% (Regular APR).

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back;
    • Сontactless card technology.
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First Access Visa® The Bank of Missouri
Apply now
On The Bank of Missouri‘s site
Our Rating:
4.2 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 annual fee for first year $48 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    34.99% Regular
  • Balance Transfer APR:
    None
  • Issuer name:
    The Bank of Missouri
  • Details:

    The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

    The First Access Visa Card's APR: 34.99% (Regular APR).

    The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

  • Pros:
    • Available to those with bad credit
    • Reports to three major credit bureaus
    • Easy application
    • No security deposit
  • Cons:
    • High APR
    • Several fees
    • Low credit limit
    • No rewards
  • Benefits:
    • First Access Visa credit card accepted nationwide;
    • Rebuild your credit;
    • Easy and Secure Online Application.
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Celtic Bank Surge Mastercard® best for Walmart purchases

Surge Mastercard® Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.2 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 - $99 annually $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    24.99% - 29.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Surge Mastercard credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

    The Surge credit card has an annual fee of $75 to $99 (after that $99 annually).

    Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

    There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

    This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

  • Pros:
    • Monthly Credit Reporting
    • Free Monthly Credit Score
    • Potential Credit Limit Increase After 6 Months
    • Prequalification Without a Hard Check
  • Cons:
    • High Annual Fee
    • Relatively Low Credit Limit
    • Foreign Transaction Fee
    • Monthly Maintenance Fee After the 1st year
    • High APR
  • Benefits:
    • $0 Fraud Liability;
    • Monthly reporting to the three major credit bureaus;
    • Possible credit limit increase after just six months;
    • Free Monthly Credit Score.
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Indigo® Platinum Mastercard® Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.7 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    24.9%
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Indigo® Platinum credit card provides a good option for those who have bad credit or no credit history.

    The Indigo® Platinum Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

    The Indigo® Platinum Mastercard® has a high APR of 24.9%.

    During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

    When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

    Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

  • Pros:
    • No security deposit
    • Quick and easy to apply
    • Pre-qualification
    • Fraud protection
    • Has Mastercard ID Theft Protection
  • Cons:
    • Low credit limit
    • No rewards or one-time offers
    • Foreign transaction fee
  • Benefits:
    • A low foreign transaction fee of 1 percent;
    • Choice of Card Image;
    • Fraud Protection;
    • 24/7 Account Access;
    • Extended warranty coverage.
View all Indigo® Platinum Mastercard® details
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The Mission Lane Visa® Mission Lane LLC
Apply now
On Transportation Alliance Bank‘s site
Our Rating:
3.05 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $59
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% - 29.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    Transportation Alliance Bank
  • Details:

    The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

    The annual fee for this card is $0 – $59.

  • Pros:
    • Higher credit lines
    • Reports to the three major credit bureaus
    • Instant credit decision
  • Cons:
    • High variable purchase APR
    • Annual fees up to $59
    • No rewards
    • Foreign transaction fee
    • Not available to everyone
  • Benefits:
    • Clear pricing & no hidden fees;
    • Higher credit lines over time;
    • The tools to help build your credit;
    • Credit-building education;
    • Instant credit decision;
    • All the coverage of Visa®.
View all The Mission Lane Visa® details
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