Credit cards

Best credit cards in USA for today.

Updated March 03, 2021
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Best pick for...
Wells Fargo Platinum Card
Capital One Journey Student Credit Card
Capital One QuicksilverOne
Capital One SavorOne
Capital One Platinum Mastercard
Citi Diamond Preferred®
Capital Bank OpenSky® Secured Visa®
Credit One Bank Platinum Visa For Rebuilding Credit
Celtic Bank Reflex Mastercard®​
WebBank Petal® 2 “Cash Back, No Fees” Visa®

Best Credit Cards in March 2021

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Platinum Card Wells Fargo
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • Longest Intro APR on purchases:
    • Longest Intro APR for 18 months from account opening on purchases.
    • Longest Intro APR on balance transfer:
    • Longest Intro APR for 18 months from account opening on qualifying balance transfers.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% introductory APR for 18 months from date of account opening.
  • Regular APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Balance Transfer APR:
    16.49% - 24.49% after 18 months from date of account opening.
  • Issuer name:
    Wells Fargo
  • Details:

    Platinum Card Wells Fargo has protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, cell phone protection.

    My Money Map tools help you to manage spending and create a budget with ease.

    Access to your FICO® Credit Score with Wells Fargo Online.

  • Pros:
    • Free Credit Score
    • Annual fee 0%
    • Paying down balances
    • Emergency card replacement
  • Cons:
    • No rewards or a signup bonus
    • Complicated balance transfer fee system
    • 3% foreign transaction fee
  • Benefits:
    • Auto rental collision damage waiver;
    • Roadside dispatch;
    • Travel accident insurance;
    • Travel and emergency assistance services;
    • Cell phone protection.
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Journey Student Credit Card Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Unlimited Cash Back.
    • 0.25% You will be awarded an extra Cash Back earned in each billing cycle If your account is not passed due on the last day of the billing cycle.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    Earn rewards today with Journey Student Credit Card. Build credit history for tomorrow with responsible use.

  • Pros:
    • No Foreign Transaction Fees
    • Unlimited 1% Cash Back
    • Annual Fee $0
    • Cash Back
    • Rewards
    • Autopay
  • Cons:
    • Low rewards rate
  • Benefits:
    • 1% Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
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QuicksilverOne Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on every purchase, every day.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $39 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Card from Capital One is unlimited.

    Enjoy 1.5% Cash Back on every purchase and get access to valuable benefits.

  • Pros:
    • No foreign transaction fees
    • No minimum redemption is required
    • No annual fee
    • Intro APR period on purchases
    • Automatically considered for a higher credit line after 6 months
    • Generous sign-up bonus
  • Cons:
    • Annual fee
    • Other cards offer longer intro APR periods and/or lower APR
    • No bonus rewards categories
  • Benefits:
    • Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash Bonus Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Platinum Mastercard Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    Get the credit you need with Platinum Mastercard from Capital One. Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.You're also covered by $0 Fraud Liability if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases.

  • Pros:
    • Chance to get a higher credit limit
    • No annual fee
    • No foreign transaction fees
    • Platinum Mastercard benefits
    • No Penalty APR for late payments
    • Get approval with a fair credit score
  • Cons:
    • High Regular APR
    • No rewards
    • No sign-up bonus
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
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Diamond Preferred® Citi
scorer
Recommended credit score
Excellent (740-799)
  • 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 for 18 months from date of account opening.
  • Regular APR:
    14.74% - 24.74% Variable.
  • Balance Transfer APR:
    14.74% - 24.74% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi Diamond Preferred Card comes with 0% introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

  • Pros:
    • 0% Intro APR for 18 months
    • Flexible payment due date
    • No annual fee
    • Free access to FICO® score
    • Balance transfer
    • Low interest
    • Purchase protection
  • Cons:
    • Balance transfer fee of 3 percent (or $5, whichever is higher)
    • Foreign transaction fee of 3 percent
    • No rewards program
    • Late payment fees
  • Benefits:
    • Digital Wallets;
    • Low APR for cardholders with excellent credit;
    • Citi Entertainment. Special access to purchase tickets to thousands of events,sporting events, dining experiences and more.
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Secured Visa® OpenSky®
scorer
Recommended credit score
No Credit History
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $35 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.39% Regular APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    Capital Bank
  • Details:

    With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

    Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

  • Pros:
    • No credit check required
    • Credit limit up to $3,000
    • Online account access
  • Cons:
    • $35 annual fee
    • High APR
    • Requires $200 mininum deposit
  • Benefits:
    • No credit check necessary to apply;
    • Build credit quickly;
    • Doesn't require a bank account.
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Platinum Visa For Rebuilding Credit Credit One Bank
scorer
Recommended credit score
Poor to Good (300-739)
  • Rewards Rate:
    • 1% Get Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $95 the Annual Fee for the first year. $0 - $99 for some accounts, The Annual Fee from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Credit One Bank
  • Details:

    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases.

    Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

    MINIMUM CREDIT LINE: $300and Future credit line increases may be granted based on your overall credit performance.

    Get rewarded for responsible credit use!

    Choose a payment due date that works for you!

  • Pros:
    • Visa Zero Fraud Liability
    • Low interest
    • Free online access to your Experian credit score each month
    • Credit One mobile app
    • Purchase protection
  • Cons:
    • Annual fee of $0 to $95 for the first year and $0 to $99 after
    • Foreign transaction fee of either $1 or 3 percent of each purchase in U.S. dollars, whichever is greater
  • Benefits:
    • 1% Cash Back Rewards;
    • Zero Fraud Liability;
    • Free online access to your Experian credit score;
    • Choose Your Payment Due Date.
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Reflex Mastercard®​ Celtic Bank
scorer
Recommended credit score
Poor to Good (300-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $75 - $99 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    25.90% - 29.99% Variable.
  • 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. It is proudly rated A+ by the Better Business Bureau.

    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. Continental Finance accepts people who apply for a Reflex credit card with less than perfect credit.

  • Pros:
    • All credit types welcome to apply
    • Purchase protection
    • Reports to three Major Credit Bureaus
    • Free Monthly Credit Score
  • Cons:
    • Foreign transaction fee
    • High APR
    • No rewards
  • 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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Petal® 2 “Cash Back, No Fees” Visa® WebBank
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    12.99% - 26.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    WebBank
  • Details:

    Petal 2 has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500-$10000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

  • Pros:
    • Cash Back
    • No annual fee
    • No returned payment fee
    • Purchase protection
    • You can apply even if you have no credit history
    • No foreign transaction fee
    • No late fees
  • Cons:
    • No signup bonus
    • No intro APR offer
    • Balance transfers are not allowed
    • Those who filed for bankruptcy may be rejected
    • Cash advances are not permitted
    • Permanent minimum payment due date
  • Benefits:
    • No annual fee;
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
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