Accepted Platinum
Accepted Platinum
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On Acceptedplatinum‘s website

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Best credit cards in USA for today.

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Best Credit Cards in October 2021

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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:
    None
  • 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
    • No Annual 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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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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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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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:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
    • No welcome bonus
  • Benefits:
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.
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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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Reflex Mastercard®​ Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.8 out of 5
scorer
Recommended credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 - $99 for the first year. $99 after the first year.
  • Purchase Intro APR:
    None
  • Regular APR:
    24.99% - 29.99%
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    A Reflex Mastercard® is one of America's leading marketers and servicers credit cards for consumers with less-than perfect credit.

    With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

    A Reflex Mastercard® with an initial credit limit that ranges from $300 to $1000 gives you the financial clout you need.

    Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

    The Reflex credit card can be used as an effective tool to build credit.

  • Pros:
    • Chance to get a higher credit limit
    • All credit scores are welcome to apply
    • Reports to three bureaus
    • Check if you prequalify without affecting your credit score
    • No deposit required
  • Cons:
    • No rewards
    • High Regular APR
    • High annual fee
    • Monthly maintenance fee
    • Additional card fee
    • Foreign transaction fee
  • Benefits:
    • $0 Fraud Liability;
    • Potential Credit Limit Increase After Just 6 Months;
    • Free Monthly Credit Score;
    • Monthly Reporting to All Three Major Credit Bureaus;
    • Credit Protection program.
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Unsecured Classic Visa® Applied Bank
Apply now
On Applied 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 for the first year. $45 thereafter.
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Regular.
  • Balance Transfer APR:
    None
  • Issuer name:
    Applied Bank
  • Details:

    The Applied Bank® Unsecured Classic Visa® is designed for people with bad credit or no credit history.

    The Applied Bank® Unsecured Classic Visa® Card's APR: 29.99% (Regular). The card has an annual fee of $75 (for the first year), $45 (thereafter).

  • Pros:
    • Quick and Easy Application
    • No penalty APR
  • Cons:
    • Foreign Transaction Fee
    • Annual Fee
  • Benefits:
    • Reports to all three major credit bureaus;
    • Zero Fraud Liability;
    • Emergency card replacement and cash disbursement.
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Surge Secured Mastercard® Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.3 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $69 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Surge Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

    The card's APR: 19.99% (Variable).

    The Surge Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

  • Pros:
    • Cash Back rewards
    • Free automatic account reviews for credit limit increases
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
    • No welcome bonus
    • No Intro APR offer
  • Benefits:
    • 1% Cash Back Rewards;
    • Potential Credit Limit Increase;
    • Report to All 3 Major Credit Bureaus.
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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:
    $69 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    25.90% - 29.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Surge Mastercard credit card's APR range from 25.90% to 29.99%, based on creditworthiness.

    The Surge credit card has an annual fee of $75 to $99. There’s also a potential monthly maintenance fee of up to $10.

    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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Synovus Bank First Progress Platinum Prestige Mastercard® Secured best for For bad credit

First Progress Platinum Prestige Mastercard® Secured Synovus Bank
Apply now
On Synovus Bank‘s site
Our Rating:
3.8 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:
    $49 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    9.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Prestige Mastercard Secured Credit Card is a secured credit card for people with a limited credit history.

    The First Progress Platinum Prestige doesn’t earn a welcome bonus. The First Progress Platinum Prestige Mastercard Secured Credit Card charges the highest annual fee of the three cards at $49, but it offers the lowest APR, at 9.99% (Variable).

    First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

  • Pros:
    • Low APR for Purchases
    • No Minimum Credit Score Required
    • Reports to Three Major Credit Bureaus
    • Suitable Range of Credit Limit
  • Cons:
    • High Annual Fee
    • High Transaction Fees on Cash Advance
    • High Penalty Fees
    • No Bonuses or Rewards
    • Foreign Transaction Fees
    • Unavailability of Card for Certain Geographies in the US
  • Benefits:
    • Accepted Nationwide;
    • No Minimum Credit Score;
    • No Credit History Required.
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