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Best Credit Cards 2022

Best Credit Cards for Best in July 2022

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Celtic Bank Reflex Mastercard®​ best for Unsecured

Reflex 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
Сredit score
No Credit History to Good (0-739)
    • Issuer name:
      Celtic Bank
    • Details:

      The Reflex 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 Mastercard®​ details
    Apply now
    On Celtic Bank‘s site
    Card detail

    The Bank of Missouri FIT Mastercard® best for Unsecured

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

        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 Mastercard® details
      Apply now
      On The Bank of Missouri‘s site
      Card detail

      Celtic Bank Surge Mastercard® best for Walmart purchases

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

          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 Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail

        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:
        13.74% - 27.74% Variable
        Our Rating:
        3.8
        scorer
        Сredit 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
        Card detail

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

        First Progress Platinum Prestige Mastercard® Secured Synovus Bank
        Annual Fee:
        $49 annually
        Regular APR:
        11.49% Variable
        Our Rating:
        3.8
        scorer
        Сredit 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: 11.49% (Variable for purchases), 20.49% (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
          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
          Сredit 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:
              • 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
            Apply now
            On the Total Visa® Card secure website
            Card detail

            Celtic Bank Indigo® Platinum Mastercard® best for Unsecured

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

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

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

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

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

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

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

                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® Platinum Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail

              The Bank of Missouri Milestone® Gold Mastercard® best for Unsecured

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

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

                  The Milestone® Gold 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® Gold 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® Gold 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
                Сredit 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:
                    • 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
                  Apply now
                  On Applied 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:
                  20.74% - 30.24% Variable
                  Our Rating:
                  4.34
                  scorer
                  Сredit 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: 20.74% to 30.24% (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

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

                  Deserve® EDU Mastercard Celtic Bank
                  Annual Fee:
                  $0
                  Regular APR:
                  20.24% Variable
                  Our Rating:
                  3.5
                  scorer
                  Сredit 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 Mastercard for Students makes it easy for students to start building credit.

                    The card's APR is 20.24% (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 Mastercard details
                  Apply now
                  On Celtic Bank‘s site
                  Card detail

                  Capital Bank OpenSky® Secured Visa® best for 18 year old

                  Secured Visa® OpenSky®
                  Annual Fee:
                  $35 annually
                  Regular APR:
                  17.64% Variable
                  Our Rating:
                  3.82
                  scorer
                  Сredit score
                  No Credit History to Good (0-739)
                    • 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.

                      Read full review

                    • Pros:
                      • No credit check required
                      • Does not require a bank account
                      • Reports to three major credit bureaus
                      • Low minimum cash deposit
                    • Cons:
                      • High annual fee
                      • High Foreign Transaction Fee
                      • No Rewards
                      • No Signup Bonus
                    • Benefits:
                      • No credit check necessary to apply;
                      • Reports to three major credit bureaus;
                      • Build credit quickly;
                      • Doesn't require a bank account.
                    View all OpenSky® Secured Visa® details
                    Apply now
                    On Capital Bank‘s site
                    Card detail