First Progress Platinum Select MasterCard® Secured Synovus Bank
First Progress Platinum Select MasterCard® Secured
Synovus Bank
Apply now
On Synovus Bank‘s site

Best Cool Credit Card Designs

Compare 24 cool credit cards on Myfin.us.

Updated November 23, 2021
Best icon
Best
Compare icon
Compare
Rewards icon
Rewards
Cash Back icon
Cash Back
Balance Transfer icon
Balance Transfer
0 APR icon
0 APR
No Annual Fee icon
No Annual Fee
more icon
More

Best Credit Cards for Cool in November 2021

Hide all
Show all
First Progress Platinum Select MasterCard® Secured Synovus Bank
Apply now
On Synovus Bank‘s site
Our Rating:
3.5 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:
    $39 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

    The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

    The card's APR: 13.99% (Variable for Purchases), 19.99% (Variable for Cash Advances).

    The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

  • Pros:
    • No credit history required
    • No Minimum Credit Score needed
    • Low Annual Percentage Rates
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
  • Benefits:
    • Accepted Nationwide;
    • No Minimum Credit Score;
    • No Credit History Required.
Show more Show more
Double Your Line™ Platinum Visa® Merrick Bank
Apply now
On Merrick Bank‘s site
Our Rating:
4.1 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $72 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    19.45% - 28.45% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Merrick Bank
  • Details:

    The Merrick Bank Double Your Line™ Platinum Visa® is good for people looking to build or rebuild credit.

    Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

    The APR for purchases is 19.45% - 28.45% (Variable). The card's annual fee: $0 - $72 annually.

    Credit lines range from $550 - $1,200 which double to $1,100 - $2,400 after your account qualifies. No security deposit required.

  • Pros:
    • Double your credit limit
    • Free monthly FICO Score access
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
  • Benefits:
    • $0 Fraud Liability;
    • Double Your Line™;
    • Exclusive Platinum Visa Benefits.
Show more Show more
Secured Visa® Merrick Bank
Apply now
On Merrick 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:
    $36 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.45% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Merrick Bank
  • Details:

    The Merrick Bank Secured Visa® credit card is a credit card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

    The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

    The Merrick Bank Secured Visa® credit card reports to all three major credit bureaus.

    It’s also accepted at any merchant that accepts Visa®, one of the world’s largest global payments brands.

  • Pros:
    • Up to $3000 credit limit
    • Reports to three major credit bureaus
    • You don’t need a bank account to apply
    • Access to FICO score
    • Low APR
  • Cons:
    • No rewards or intro offers
    • $200 minimum deposit
    • Extra fees
    • $36 annual fee
  • Benefits:
    • Monthly Reporting to the 3 Major Credit Bureaus;
    • $0 Fraud Liability;
    • Low interest;
    • FICO® Score for Free Each Month.
Show more Show more
Double Your Line® Secured Visa Merrick Bank
Apply now
On Merrick Bank‘s site
Our Rating:
1.42 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $36 the first year. $36 billed $3 per month thereafter.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.45% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Merrick Bank
  • Details:

    The Merrick Bank Double Your Line® Secured Visa is a good card for people looking to build or rebuild credit.

    The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

    The APR for purchases is 17.45% (Variable).

    Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

  • Pros:
    • Double your credit limit
    • Free monthly FICO Score access
  • Cons:
    • Annual Fee
    • Foreign Transaction
  • Benefits:
    • $0 Fraud Liability;
    • Double Your Line™;
    • Reports to 3 Major Credit Bureaus.
Show more Show more
Indigo® Platinum Mastercard® Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.7 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:
    $0 - $99 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    24.9%
  • Balance Transfer APR:
    None
  • 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.

  • 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.
Show more Show more
Milestone® Gold Mastercard® The Bank of Missouri
Apply now
On The Bank of Missouri‘s site
Our Rating:
3.5 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:
    $35 - $99 Dependent on credit worthiness.
  • Purchase Intro APR:
    None
  • Regular APR:
    24.9%
  • Balance Transfer APR:
    None
  • 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.

  • 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.
Show more Show more

American Express Blue Cash Preferred® best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Our Rating:
4.56 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back on groceries, on up to $6,000 per year in purchases.
    • 6% Cash Back on streaming.
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back on gas.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • 20% Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    • $200 Earn $200 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.
  • Annual Fee:
    $0 for the first year. $95 for the rest years.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Preferred provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred Card from American Express offers a 0% introductory APR promotion. You’ll pay no interest on purchases for 12 months and then an APR of 13.99% - 23.99% Variable. The Blue Cash Preferred Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.

    When you purchase a product with your Blue Cash Preferred card, return protection covers you if the seller won’t accept a return for the item, up to 90 days from the date of purchase.

    The card’s Pay It Plan It feature can be helpful in paying down small balances but dangerous for larger purchases. With Pay It, you can quickly tap a purchase in the mobile app that is for less than $100 to make payments throughout the month. Plan It is the reverse of this: You can select purchases that are $100 or more and have them split up to make monthly payments for a fixed monthly fee instead of interest charges. This can be a good deal if the monthly fee is less than you would pay in interest. Of course, an even better strategy would be to pay off your balance in full every month so you never have to pay more than necessary for your purchases.

  • Pros:
    • Excellent cashback bonuses
    • 0% purchase APR in the first 12 months
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
  • Benefits:
    • Up to $400 Back;
    • 6% Cash Back at U.S. Supermarkets;
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back on gas;
    • 1% Cash Back on other purchases;
    • $300 statement credit;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences.
Show more Show more

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open.
  • Regular APR:
    14.99% - 23.74% Variable.
  • Balance Transfer APR:
    14.99% - 23.74% Variable.
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® offers 0% introductory APR period (14.99% to 23.74% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    My Chase PlanSM Fee is (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

    The card offers 3% Cash Back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Enjoy 5% Cash Back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Show more Show more

American Express Gold Card best for Cash Back

American Express® Gold Card
Our Rating:
3.15 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining.
    • 4x Points on groceries.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Annual Fee:
    $250 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express® Gold Card's annual fee is $250. The card offers 4x points on dining and griceries, 3x on flights and 1x on all other purchases.

    There is a 15.99% to 22.99% variable APR.

    As a new cardholder, you have the chance to earn an impressive 60,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
  • Benefits:
    • $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining;
    • 4x Membership Rewards® Points on groceries;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection.
Show more Show more

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Our Rating:
4.53 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable.
  • Balance Transfer APR:
    15.99% - 22.99% Variable.
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Card offers 2x points on travel and dining. Get 25% more value when redeemed for travel.

    The Sapphire Preferred has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Show more Show more