Rewards, No Annual Fee, Daily use
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Best Credit Cards 2022

Best Credit Cards for Best in November 2022

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Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 17.99% - 27.99% variable APR applies after that.

    The Card doesn't charge an annual fee. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No annual fee
    • No Foreign Transaction Fee
    • 15-month 0% APR intro offer
    • Bonus for New Members
  • Cons:
    • Lower Reward Rates
    • High APR
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 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.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.99% - 27.99%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Capital One Venture X Rewards Credit Card best for Car rental

Venture X Rewards Capital One
Annual fee:
$395 annually
Regular APR:
19.99% - 26.99% Variable
Our Rating:
3.6
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 10,000x 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
    • 10x Miles on hotels & rental cars booked through Capital One Travel.
    • 5x Miles on flights booked through Capital One Travel.
    • 2x Miles on all other purchases.
  • Intro Offer:
    • 75,000x Bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    19.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture X Rewards Credit Card offers a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    Earn 10x Miles on hotels and rental cars (booked through Capital One Travel), 5x Miles on flights (booked through Capital One Travel), 2x Miles per dollar on every purchase.

    The Capital One Venture X Rewards Credit Card charges an annual fee of $395. The APR for purchases and balance transfers is 19.99% - 26.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    Refer your friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they’re approved.

  • Pros:
    • No Foreign Transaction Fee
    • Welcome offer
    • Miles don't expire
  • Cons:
    • Annual Fee
  • Benefits:
    • 10,000 Miles (Anniversary Bonus);
    • 10x Miles on hotels & rental cars (booked through Capital One Travel);
    • 5x Miles on flights (booked through Capital One Travel);
    • 2x Miles on all other purchases;
    • $300 Annual Travel Credit;
    • $200 Vacation Rental Credit;
    • Capital One Lounge;
    • Priority Pass™;
    • Global Entry & TSA PreCheck®;
    • Cell Phone Protection;
    • Hertz President’s Circle® status;
    • Free Additional Cardholders.
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Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
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Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 27.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 27.74% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
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Capital One Platinum Credit Card best for Without SSN

Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.91
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    28.49% Variable
  • 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.

  • 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
    • You don’t get to enjoy a reduced introductory rate
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
View all Platinum Mastercard details
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Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
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Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
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Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
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Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. 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.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
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Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
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Capital One SavorOne Student Cash Rewards Credit Card best for International students

SavorOne Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.96
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The SavorOne Student Cash Rewards Credit Card earns 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.

    The SavorOne Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR).

    The Card has no annual fee and no foreign transaction fees.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
    • 1% Cash Back on all other purchases;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all SavorOne Student Cash Rewards details
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Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 28.49% (Variable).

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
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The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The FIT® Platinum 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® Platinum 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.

      Read full review

    • 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.
    View all FIT® Platinum Mastercard® details
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    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    24.99% - 29.99% Variable
    Our Rating:
    3.2
    scorer
    Credit score
    No Credit History to Poor (0-579)
      • Issuer name:
        Celtic Bank
      • Details:

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

        The Surge® Platinum Mastercard® 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.

        Read full review

      • 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.
      View all Surge® Platinum Mastercard® details
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      On Celtic Bank‘s site
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      WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

      Petal® 2 “Cash Back, No Fees” Visa® WebBank
      Annual fee:
      $0
      Regular APR:
      15.99% - 29.99% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Excellent (0-799)
      • Rewards Rate:
        • 1% - 1.5%:
        • Cash Back after making 12 on-time monthly payments.
        • 2% - 10%:
        • Cash Back from select merchants.
      • Issuer name:
        WebBank
      • Details:

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

        The credit limit is from $500 - $10,000.

        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.

        Read full review

      • Pros:
        • No annual fee
        • No returned payment fee
        • No foreign transaction fee
        • You can apply even if you have no credit history
        • No late fees
      • Cons:
        • No signup bonus
        • Cash advances are not permitted
        • Those who filed for bankruptcy may be rejected
        • Balance transfers are not allowed
        • No intro APR offer
      • Benefits:
        • No foreign transaction fee;
        • Petal 2 reports to all 3 major credit bureaus;
        • Qualify with average credit.
      View all Petal® 2 “Cash Back, No Fees” Visa® details
      Apply now
      On WebBank‘s site
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      Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 - $99 for the first year
      $99 after the first year
      Regular APR:
      24.99% - 29.99% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Good (0-739)
        • Issuer name:
          Celtic Bank
        • Details:

          The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

          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.

          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).

          Read full review

        • 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.
        View all Reflex® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail

        Celtic Bank Indigo® Mastercard® best for Unsecured

        Indigo® Mastercard® Celtic Bank
        Annual fee:
        $0 - $99 annually
        Regular APR:
        24.9%
        Our Rating:
        3.7
        scorer
        Credit score
        No Credit History to Fair (0-669)
          • Issuer name:
            Celtic Bank
          • Details:

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

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

            The Indigo® 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.

            Read full review

          • 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® Mastercard® details
          Apply now
          On Celtic Bank‘s site
          Card detail
          Total Visa® The Bank of Missouri
          Annual fee:
          $164 for first year (including one-time program fee of $89)
          $48 annually *
          Regular APR:
          34.99% *
          Our Rating:
          3.32
          scorer
          Credit score
          Rebuilding Credit to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

              The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

              The Total Visa® сard allows you to choose your own card design.

              Read full review

            • Pros:
              • Low Requirements
            • Cons:
              • Annual Fee
              • High Regular APR
              • No Intro APR period
              • Extra Fees
            • Benefits:
              • $0 fraud liability;
              • Reports monthly to all three major credit bureaus;
              • Manageable monthly payments;
              • Select your favorite card design for free.
            View all Total Visa® Unsecured details
            Apply now
            On the Total Visa® Card secure website
            Card detail

            The Bank of Missouri Milestone Mastercard® best for Unsecured

            Milestone Mastercard® The Bank of Missouri
            Annual fee:
            $35 - $99 Dependent on credit worthiness
            Regular APR:
            24.9%
            Our Rating:
            3.5
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                The Bank of Missouri
              • Details:

                The Milestone Mastercard® is a credit card for people with bad credit.

                The Milestone Mastercard® card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

                The credit limit for a Milestone Mastercard® is $300.

                Read full review

              • Pros:
                • Low application requirements
                • No security deposit
                • Low foreign transaction fee
                • Reports to three major credit bureaus
              • Cons:
                • Annual fee
                • Additional fees and high APR
                • Low credit limit
                • No rewards system
              • Benefits:
                • Fraud Protection;
                • Credit Bureau Reporting;
                • Extended warranty coverage;
                • Mastercard Global Service;
                • Easy Pre-Qualification;
                • Full Mastercard Perks;
                • 24/7 Account Management.
              View all Milestone Mastercard® details
              Apply now
              On The Bank of Missouri‘s site
              Card detail

              Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

              Gold Preferred® Secured Visa® Applied Bank
              Annual fee:
              $48 annually
              Regular APR:
              9.99% Fixed
              Our Rating:
              4.23
              scorer
              Credit score
              No Credit History to Poor (0-579)
                • Issuer name:
                  Applied Bank®
                • Details:

                  The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

                  The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

                  Read full review

                • Pros:
                  • Extremely low regular APR
                  • No penalty rate
                  • Guaranteed approval
                  • Increase your credit limit
                • Cons:
                  • No rewards system
                  • A lot of fees
                  • Can’t upgrade to an unsecured credit card
                  • No grace period
                • Benefits:
                  • Reports to All Three National Credit Bureaus;
                  • Zero Fraud Liability;
                  • Refundable Security Deposit;
                  • Global acceptance;
                  • Emergency card replacement and cash disbursement.
                View all Secured Visa® Gold Preferred® Credit Card details
                Apply now
                On Applied Bank®‘s site
                Card detail
                First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                Annual fee:
                $49 annually
                Regular APR:
                13.74% Variable
                Our Rating:
                3.8
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • 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 Mastercard® doesn’t earn a welcome bonus.

                    The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

                    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.

                    Read full review

                  • 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.
                  View all First Progress Platinum Prestige Mastercard® Secured details
                  Apply now
                  On First Progress’s site
                  Card detail

                  Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

                  Deserve EDU Celtic Bank
                  Annual fee:
                  $0
                  Regular APR:
                  22.49% Variable
                  Our Rating:
                  3.5
                  scorer
                  Credit score
                  No Credit History to Excellent (0-799)
                  • Rewards Rate:
                    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                  • Issuer name:
                    Celtic Bank
                  • Details:

                    The Deserve EDU Card makes it easy for students to start building credit.

                    The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

                    Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

                    Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

                    Read full review

                  • Pros:
                    • No prior credit history required
                    • No SSN Required
                    • No Annual Fee
                    • No
                    • Transactions Fees
                    • No Co-Signer/ Deposit Required
                  • Cons:
                    • Relatively High APR
                    • Fairly Low Rewards
                    • Only for Students
                  • Benefits:
                    • Cellphone Protection;
                    • Collision Damage Waiver;
                    • Concierge Service;
                    • No International Transaction Fees;
                    • Priority Pass™ Membership;
                    • Mastercard Benefits;
                    • No Social Security Number required for international students to apply.
                  View all Deserve EDU details
                  Apply now
                  On Celtic Bank‘s site
                  Card detail

                  WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

                  Petal® 1 "No Annual Fee" Visa® WebBank
                  Annual fee:
                  $0
                  Regular APR:
                  22.99% - 32.49% Variable
                  Our Rating:
                  4.34
                  scorer
                  Credit score
                  No Credit History to Good (0-739)
                  • Rewards Rate:
                    • 2% - 10%:
                    • Cash Back at select merchants.
                  • Issuer name:
                    WebBank
                  • Details:

                    The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

                    The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

                    The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

                    Read full review

                  • Pros:
                    • No Annual Fee
                    • No Foreign Transaction Fee
                  • Cons:
                    • No welcome bonus
                    • No intro APR period
                  • Benefits:
                    • 2 - 10% Cash Back;
                    • Zero liability fraud protection;
                    • $300 - $5,000 credit limits.
                  View all Petal® 1 "No Annual Fee" Visa® details
                  Apply now
                  On WebBank‘s site
                  Card detail

                  Capital One Spark Miles for Business best for Walmart purchases

                  Capital One Spark® Miles
                  Annual fee:
                  $0 intro for the first year
                  $95 thereafter
                  Regular APR:
                  23.99% Variable
                  Our Rating:
                  4.26
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • Rewards Rate:
                    • 5x Miles on hotels and rental cars booked through Capital One Travel.
                    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
                  • Intro Offer:
                    • 50,000x Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
                  • Balance Transfer APR:
                    23.99% Variable
                  • Issuer name:
                    Capital One
                  • Details:

                    The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

                    The Card's APR for both purchases and transfers is 23.99%.

                    The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

                    Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

                  • Pros:
                    • Attractive sign-up bonus
                    • No foreign transaction fees
                  • Cons:
                    • No 0% APR period
                    • Annual fee after the first year
                  • Benefits:
                    • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
                    • 5x miles on hotels and car rentals;
                    • 2x miles on all purchases;
                    • $0 Fraud Liability;
                    • $100 Travel Credit;
                    • Capital One Lounge.
                  View all Spark® Miles details
                  Apply now
                  On Capital One‘s site
                  Card detail