Accepted Platinum
Accepted Platinum
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On Acceptedplatinum‘s website

Best Credit Cards 2022

Surge Mastercard® Celtic Bank
Surge Mastercard®
Celtic Bank
$75 - $99
Annual Fee
24.99% - 29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Celtic Bank‘s site
Total Visa® The Bank of Missouri
Total Visa® Unsecured
The Bank of Missouri
$164
Annual Fee
34.99%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On The Bank of Missouri‘s site
Petal® 2 “Cash Back, No Fees” Visa® WebBank
Petal® 2 “Cash Back, No Fees” Visa®
WebBank
None
Annual Fee
12.99% - 26.99%
Regular APR
1% - 1.5%:
Cash Back after making 12 on-time monthly payments.
Apply now
On WebBank‘s site
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured
Synovus Bank
$49
Annual Fee
9.99%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Synovus Bank‘s site

Best Credit Cards for Best in January 2022

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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.
View all Accepted Platinum details
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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.
View all Surge Mastercard® details
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Total Visa® The Bank of Missouri
Apply now
On The Bank of Missouri‘s site
Our Rating:
3.32 out of 5
scorer
Recommended credit score
Rebuilding Credit to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $164 for first year (including one-time program fee of $89) $48 annually *
  • Purchase Intro APR:
    None
  • Regular APR:
    34.99% *
  • Balance Transfer APR:
    None
  • 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 servicing fee is $0 for the first year and $75 after that ($6.25 billed monthly).

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

  • Pros:
    • No Foreign Transaction Fee
  • 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
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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
Apply now
On WebBank‘s site
Our Rating:
3.8 out of 5
scorer
Recommended 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.
  • 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:

    The Petal 2 Card 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:
    • 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
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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.
View all First Progress Platinum Prestige Mastercard® Secured details
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WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

Petal® 1 "No Annual Fee" Visa® WebBank
Apply now
On WebBank‘s site
Our Rating:
2.36 out of 5
scorer
Recommended credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • 2% - 10%:
    • Cash Back at select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% - 29.49% Variable
  • Balance Transfer APR:
    None
  • 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: 19.99% to 29.49% (Variable).

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

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

Deserve® EDU Mastercard Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.5 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    18.74% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

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

    The card's APR is 18.74% (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.

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

Gold Preferred® Secured Visa® Applied Bank
Apply now
On Applied Bank®‘s site
Our Rating:
2.41 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:
    $48 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    9.99% Fixed
  • Balance Transfer APR:
    None
  • 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.

  • Pros:
    • Lower than average APRs
    • Theft Protection
  • Cons:
    • Annual Fee
    • No Intro APR on purchases and balance transfer
    • Foreign Transaction Fee
    • No rewards
  • 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
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Capital One Venture Rewards best for Travel, Daily use

Venture Rewards Capital One
Our Rating:
3.69 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 60,000x Bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 23.99% Variable
  • Balance Transfer APR:
    15.99% - 23.99% 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 60,000 bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 15.99% - 23.99% (Variable). The card has an annual fee of $95.

    When using your Venture card to cover the application fee, you can receive up to $100 in credit for your Global Entry or TSA Precheck application.

    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.

    Capital One’s assistant program, Eno, is like your account management system rolled into one helpful assistant. It monitors your account for fraud, sends alerts, creates virtual credit card numbers and provides useful account info like your balance.

    Perhaps the most interesting of these abilities is its virtual credit card number storage. Virtual credit cards are getting harder to come by, and Eno provides another layer of protection when you shop online by saving a unique virtual card number for each merchant you transact with.

  • 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:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 60,000 bonus miles;
    • $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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Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Our Rating:
4.79 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% - 23.99% Variable
  • Balance Transfer APR:
    13.99% - 23.99% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.

    In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.

    For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.

    The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.

    Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • No welcome bonus offer or introductory APR on purchases
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
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