Rewards, No Annual Fee, Daily use
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On Capital One‘s site

Best Credit Cards for Seniors of December 2022

Are you close to the metaphorical finish line, or you’ve already crossed it? Retirement is the time for all the things you wanted to do throughout the years but never really got down to. It could be traveling, spending time with family, a new hobby, just lying around, or all of those. As you enter this new chapter of your life, your finances and your daily routine will change. So, you might be thinking about retiring your credit card, too, if it no longer suits your needs. However, the search for a new credit card can be exhausting, and you might not want to bother too much with that. Well, you don’t have to. We’ve put together a list of the best credit cards for seniors, plus some additional information that will help you make a decision. Keep reading to find the card that will perfectly complement your new lifestyle (and even add some rewards and perks to it!).

By Hanna Volkava
Updated December 08, 2022

Best Credit Cards for Retired person in December 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.
View all VentureOne Rewards details
Apply now
On Capital One‘s site
Card detail

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.
View all Venture X Rewards details
Apply now
On Capital One‘s site
Card detail

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.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

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
Apply now
On Capital One‘s site
Card detail

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
Apply now
On Capital One‘s site
Card detail

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 welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    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).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Double Your Line® Mastercard® Merrick Bank
Annual fee:
$0 - $72 annually
Regular APR:
23.20% - 30.20% *Variable
Our Rating:
4.1
scorer
Credit score
No Credit History to Excellent (0-799)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Double Your Line® Mastercard® 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 23.20% - 30.20% (Variable). The card's annual fee: $0 - $72 annually.

      Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

      Read full review

    • Pros:
      • Double your credit line
      • $0 fraud liability
      • No security deposit is required
      • A free FICO score each month
      • A poor credit score is enough to apply
    • Cons:
      • High variable APR
      • No rewards
      • No balance transfer option
      • Cash advance fee
    • Benefits:
      • $0 Fraud Liability;
      • Double Your Line®;
      • Exclusive Platinum Mastercard® Benefits.
    View all Double Your Line® Mastercard® details
    Apply now
    On Merrick Bank‘s site
    Card detail
    First Access Visa® The Bank of Missouri
    Annual fee:
    $75 annual fee for first year
    $48 annually
    Regular APR:
    34.99%
    Our Rating:
    4.2
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

        The First Access Visa Card's APR: 34.99%.

        The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

        Read full review

      • Pros:
        • Available to those with bad credit
        • Reports to three major credit bureaus
        • Easy application
        • No security deposit
      • Cons:
        • High APR
        • Several fees
        • Low credit limit
        • No rewards
      • Benefits:
        • First Access Visa credit card accepted nationwide;
        • Rebuild your credit;
        • Easy and Secure Online Application.
      View all First Access Visa® details
      Apply now
      On the First Access Visa® Card secure website
      Card detail

      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

        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
          Merrick Bank Double Your Line® Secured Mastercard®
          Annual fee:
          $36 the first year. Billed $3 per month thereafter
          Regular APR:
          21.20% Variable
          Our Rating:
          3.98
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              Merrick Bank
            • Details:

              The Merrick Bank Double Your Line® Secured Mastercard® 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 21.20% (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.

              Read full review

            • 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.
            View all Double Your Line® Secured Mastercard® details
            Apply now
            On Merrick Bank‘s site
            Card detail
            First Progress Platinum Elite Mastercard® Secured Synovus Bank
            Annual fee:
            $29 annually
            Regular APR:
            23.74% Variable
            Our Rating:
            3.3
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                Synovus Bank
              • Details:

                The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                Read full review

              • Pros:
                • No credit history required
                • No Minimum Credit Score needed
                • Low Annual Percentage Rates
                • It builds your Credit Score
              • Cons:
                • No option to graduate to an unsecured credit card
                • Credit limit is equal to your deposit amount
                • There is no Rewards program
                • There are some area restrictions
              • Benefits:
                • No Minimum Credit Score;
                • No Credit History Required;
                • Accepted Nationwide.
              View all First Progress Platinum Elite Mastercard® Secured details
              Apply now
              On First Progress’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:
              23.74% - 33.24% 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: 23.74% - 33.24% (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
              Surge® Platinum Secured Mastercard® Celtic Bank
              Annual fee:
              $69 annually
              Regular APR:
              19.99% Variable
              Our Rating:
              3.3
              scorer
              Credit score
              No Credit History to Poor (0-579)
              • Rewards Rate:
                • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
              • Issuer name:
                Celtic Bank
              • Details:

                The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                The card's APR: 19.99% (Variable).

                The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

                Read full review

              • Pros:
                • Cash Back rewards
                • Free automatic account reviews for credit limit increases
              • Cons:
                • Annual Fee
                • Foreign Transaction Fee
                • No welcome bonus
                • No Intro APR offer
              • Benefits:
                • 1% Cash Back Rewards;
                • Potential Credit Limit Increase;
                • Report to All 3 Major Credit Bureaus.
              View all Surge® Platinum Secured Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail
              Secured Mastercard® Merrick Bank
              Annual fee:
              $36 for first year. Billed $3 per month thereafter
              Regular APR:
              21.20% Variable
              Our Rating:
              3.2
              scorer
              Credit score
              No Credit History to Poor (0-579)
                • Issuer name:
                  Merrick Bank
                • Details:

                  The Merrick Bank Secured Mastercard® credit card is a 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 Card's APR: 21.20% Variable for purchases.

                  The Secured Mastercard® credit card reports to all three major credit bureaus.

                  Read full review

                • 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.
                View all Secured Mastercard® details
                Apply now
                On Merrick Bank‘s site
                Card detail
                First Progress Platinum Select Mastercard® Secured Synovus Bank
                Annual fee:
                $39 annually
                Regular APR:
                17.74% Variable
                Our Rating:
                3.5
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • 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: 17.74% (Variable for Purchases), 23.74% (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%.

                    Read full review

                  • 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.
                  View all First Progress Platinum Select Mastercard® Secured details
                  Apply now
                  On First Progress’s site
                  Card detail
                  The Owner’s Rewards Card by M1 Celtic Bank
                  Annual fee:
                  $0 annually (for active M1 Plus customers)
                  $95 annually
                  Regular APR:
                  17.99% - 27.99% Variable
                  Our Rating:
                  3.91
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • Rewards Rate:
                    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
                    • 1.5% Cash Back on everything else.
                  • Issuer name:
                    Celtic Bank
                  • Details:

                    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

                    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

                    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

                    Read full review

                  • Pros:
                    • No Foreign Transaction Fee
                    • High rewards rate
                  • Cons:
                    • No Intro APR period
                    • $95 annual fee (for non-plus members)
                  • Benefits:
                    • Up to 10% Cash Back on purchases with eligible brands;
                    • 1.5% Cash Back on everything else;
                    • Visa® Zero Liability.
                  View all The Owner’s Rewards Card by M1 details
                  Apply now
                  On Celtic Bank‘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
                  Divvy Cross River Bank
                  Annual fee:
                  $0
                  Regular APR:
                  None
                  Our Rating:
                  4.04
                  scorer
                  Credit score
                  Fair to Excellent (580-799)
                  • Rewards Rate:
                    • 2x - 7x:
                    • Points on restaurants.
                    • 2x - 5x:
                    • Points on hotels.
                    • 1.5x - 2x:
                    • Points on recurring software subscriptions.
                    • 1x - 1.5x:
                    • Points on everything else.
                  • Issuer name:
                    Cross River Bank
                  • Details:

                    The Divvy Card is a corporate credit card.

                    The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

                    Points can be redeemed for travel, gift cards, statement credits or cash back.

                    Read full review

                  • Pros:
                    • No fees
                    • Rewards
                  • Cons:
                    • No sign-up bonus
                  • Benefits:
                    • Unlimited creation of virtual cards;
                    • Scalable credit line;
                    • Employee cards for everyone;
                    • Enforceable budgets;
                    • Expense reports.
                  View all Divvy details
                  Apply now
                  On Cross River Bank‘s site
                  Card detail

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

                  Blue Cash Preferred® American Express
                  Annual fee:
                  $0 intro annual fee for the first year
                  $95 for the rest years
                  Regular APR:
                  17.74% - 28.74% Variable
                  Our Rating:
                  5
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • Rewards Rate:
                    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
                    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
                    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
                    • 3% Cash Back at U.S. Gas Stations.
                    • 1% Cash Back on other purchases.
                  • Intro Offer:
                    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
                  • Purchase Intro APR:
                    0% Introductory APR for the first 12 months from the date of account opening
                  • Balance Transfer APR:
                    17.74% - 28.74% Variable
                  • Issuer name:
                    American Express®
                  • Details:

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

                    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit 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® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

                  • Pros:
                    • Excellent cashback bonuses
                    • Generous intro APR on purchases
                    • Great introductory bonuses
                  • Cons:
                    • Cashback cap
                    • Annual fee
                    • Foreign transaction fee
                  • Benefits:
                    • Earn $250 Back (in the form of a statement credit);
                    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
                    • 6% Cash Back on streaming subscriptions;
                    • 3% Cash Back on transit;
                    • 3% Cash Back at U.S. Gas Stations;
                    • 1% Cash Back on other purchases;
                    • Extended warranty;
                    • Fraud Protection;
                    • Return Protection;
                    • Car Rental Loss and Damage Insurance;
                    • Global Assist® Hotline;
                    • Pay It Plan It®;
                    • American Express Experiences;
                    • Terms Apply.
                  Card detail

                  Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

                  Chase Freedom Flex℠
                  Annual fee:
                  $0
                  Regular APR:
                  18.74% - 27.49% Variable
                  Our Rating:
                  5
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • Rewards Rate:
                    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
                    • 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% 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 gas station purchases on up to $6,000 spent in the first year.
                  • Purchase Intro APR:
                    0% Intro APR for the first 15 months that your Account is open
                  • Balance Transfer APR:
                    18.74% - 27.49% Variable
                  • Issuer name:
                    Chase
                  • Details:

                    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

                    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

                    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

                    The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 18.74% - 27.49% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

                  • Pros:
                    • $200 sign-up bonus
                    • High cash back rewards on quarterly rotating bonus categories
                    • Decent cash back rewards on select spending categories
                    • 0% intro APR on purchases
                    • No annual fee
                  • Cons:
                    • Foreign transaction fee
                    • Rotating spending categories require activation
                    • No intro APR on balance transfers
                  • Benefits:
                    • 5% Cash Back on gas;
                    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
                    • 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% Cash Back on all other purchases;
                    • $200 Cash Back;
                    • Zero Liability Protection;
                    • Extended Warranty Protection;
                    • Trip Cancellation/Interruption Insurance;
                    • Cell Phone Protection;
                    • Auto Rental Collision Damage Waiver;
                    • Travel and Emergency Assistance Services.
                  Card detail

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

                  Chase Freedom Unlimited®
                  Annual fee:
                  $0
                  Regular APR:
                  18.74% - 27.49% Variable
                  Our Rating:
                  5
                  scorer
                  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 gas station purchases on up to $6,000 spent in the first year.
                  • Purchase Intro APR:
                    0% Intro APR for the first 15 months that your Account is open
                  • Balance Transfer APR:
                    18.74% - 27.49% Variable
                  • Issuer name:
                    Chase
                  • Details:

                    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (18.74% to 27.49% 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.

                    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases 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. And earn 5% cash back on gas station purchases on up to $6,000 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.
                  Card detail

                  Citi Double Cash best for Cash Back, No Annual Fee, Daily use

                  Double Cash Citi
                  Annual fee:
                  $0
                  Regular APR:
                  17.74% - 27.74% Variable
                  Our Rating:
                  4.55
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • 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:
                    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
                  • Balance Transfer APR:
                    17.74% - 27.74% 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.

                    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

                    The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

                    The Citi Double Cash extends a myriad of security and fraud protections.

                  • Pros:
                    • Flat-rate Cash Back Rewards on Everything
                    • High Rewards Rate
                    • No annual fee
                    • Attractive Intro APR on Balance Transfers
                  • Cons:
                    • 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.
                  Card detail

                  Citi Costco Anywhere Visa® best for Cash Back, Young couples

                  Costco Anywhere Visa® Citi
                  Annual fee:
                  $0
                  Regular APR:
                  18.99% Variable
                  Our Rating:
                  4.23
                  scorer
                  Credit score
                  Excellent (740-799)
                  • Rewards Rate:
                    • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
                    • 3% Cash Back on restaurants and eligible travel purchase worldwide.
                    • 2% Cash Back on all other purchases from Costco and Costco.com.
                    • 1% Cash Back on all other purchases.
                  • Balance Transfer APR:
                    18.99% Variable
                  • Issuer name:
                    Citi
                  • Details:

                    The Costco Anywhere Visa® Credit Card by Citi has no annual fee. You have to be a Costco member to get the card.

                    The Card’s variable APR is 18.99%.

                    You'll earn 2% cash back on Costco/Costco.com purchases, you’ll also earn 4% on eligible gas purchases (on up to $7,000 in purchases per year, then 1 percent), 3% on eligible restaurant and travel purchases and 1% on all other purchases.

                    With purchase protection, You may be reimbursed if your purchases are stolen or damaged within three to four months after you bought them.

                  • Pros:
                    • Excellent rewards rate for gas
                    • Great rewards for dining and travel
                    • Decent APR rate
                    • No foreign transaction fees
                  • Cons:
                    • Costco membership required
                    • No welcome offer
                    • Limiting redemption policy
                  • Benefits:
                    • Cash Back Rewards;
                    • Damage & Theft Purchase Protection;
                    • Extended Warranty;
                    • Citi Entertainment®.
                  Card detail

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

                  Chase Sapphire Preferred®
                  Annual fee:
                  $95 annually
                  Regular APR:
                  19.74% - 26.74% Variable
                  Our Rating:
                  4.32
                  scorer
                  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. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
                  • Balance Transfer APR:
                    19.74% - 26.74% Variable
                  • Issuer name:
                    Chase
                  • Details:

                    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

                    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

                    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 19.74% to 26.74%.

                    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.
                  Card detail

                  Citi Diamond Preferred® best for 0 APR, No Annual Fee

                  Diamond Preferred® Citi
                  Annual fee:
                  $0
                  Regular APR:
                  16.74% - 27.49% Variable
                  Our Rating:
                  3.79
                  scorer
                  Credit score
                  Excellent (740-799)
                  • Intro Offer:
                    • No current offer .
                  • Purchase Intro APR:
                    0% Introductory APR for 12 months from date of account opening
                  • Balance Transfer APR:
                    16.74% - 27.49% Variable
                  • Issuer name:
                    Citi
                  • Details:

                    The Citi Diamond Preferred® Card comes with 0% introductory APR offer for 12 months on purchases and 21 months on balance transfers (16.74% - 27.49% variable after that).

                    The Card charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

                  • Pros:
                    • 0% Intro APR for 12 months on purchases and 21 months on balance transfers
                    • Flexible payment due date
                    • No annual fee
                    • Free access to FICO® score
                  • Cons:
                    • No rewards
                    • Foreign transaction fee applied
                    • Late payment fees
                  • Benefits:
                    • $0 Liability;
                    • Digital Wallets;
                    • Citi Entertainment.
                  Card detail

                  Credit One® Bank Platinum Visa For Rebuilding Credit best for Retired person

                  Platinum Visa For Rebuilding Credit Credit One Bank
                  Annual fee:
                  $75 for the first year
                  $99 annually
                  Regular APR:
                  25.49% Variable
                  Our Rating:
                  1.57
                  scorer
                  Credit score
                  No Credit History to Fair (0-669)
                  • Rewards Rate:
                    • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                  • Issuer name:
                    Credit One® Bank
                  • Details:

                    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

                    Minimum Credit Line: $300 and Future credit line increases may be granted based on your overall credit performance.

                  • Pros:
                    • Cash Back Rewards
                    • Chance to get a higher credit limit
                    • Reports to three major credit bureaus
                    • Check if you prequalify online without affecting your credit score
                    • No security deposit
                  • Cons:
                    • No guaranteed grace period
                    • Potentially high annual fee
                    • Foreign transaction fee
                    • Low credit limit
                    • Balance transfers are not available
                  • Benefits:
                    • 1% Cash Back Rewards;
                    • Zero Fraud Liability;
                    • Free online access to your Experian credit score;
                    • Choose Your Payment Due Date.
                  Card detail

                  U.S. Bank Visa® Platinum Card best for 0 APR, No Annual Fee

                  U.S. Bank Visa® Platinum
                  Annual fee:
                  $0
                  Regular APR:
                  18.24% - 28.24% Variable
                  Our Rating:
                  3.65
                  scorer
                  Credit score
                  Good to Excellent (670-799)
                  • Purchase Intro APR:
                    0% Introductory APR for the first 18 billing cycles
                  • Balance Transfer APR:
                    18.24% - 28.24% Variable
                  • Issuer name:
                    US bank
                  • Details:

                    The U.S. Bank Visa® Platinum Credit Card is a good 0% intro APR card.

                    The Visa® Platinum Card doesn't charge an annual fee.

                    The Card has a 0% introductory APR period for 18 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% to 28.24%.

                    Cardholders who pay their cell phone bill every month with the U.S. Bank Visa® Platinum Card will receive this benefit. Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.

                  • Pros:
                    • Great introductory APR
                    • No Penalty APR
                    • No Annual Fee
                    • Excellent Cell Phone Protection Coverage
                    • Flexible payment date
                  • Cons:
                    • No Rewards
                    • No Welcome Bonus
                    • Foreign Transaction Fee
                  • Benefits:
                    • Cell phone protection;
                    • Auto pay & due date choice;
                    • ID Navigator Powered by NortonLifeLock.
                  Card detail

                  Short Review of Best Credit Cards for Retired Person

                  NameBest forRewards RatePurchase APRApply
                  Capital One VentureOne Rewards Credit Card
                  4.72
                  Rewards, No Annual Fee, Daily use
                • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
                • 1.25x Miles per dollar on all purchases.
                • 17.99% - 27.99% VariableApply now
                  On Capital One‘s site
                  Capital One Venture X Rewards Credit Card
                  3.6
                  Car rental
                • 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.
                • 19.99% - 26.99% VariableApply now
                  On Capital One‘s site
                  Capital One Venture Rewards Credit Card
                  3.52
                  Travel, Daily use
                • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
                • 2x Miles on all purchases.
                • 18.99% - 26.99% VariableApply now
                  On Capital One‘s site
                  Capital One Walmart Rewards® Mastercard®
                  4.12
                  Walmart purchases
                • 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.
                • 17.99% - 27.74% VariableApply now
                  On Capital One‘s site
                  Capital One Quicksilver Cash Rewards Credit Card
                  4.58
                  Cash Back, No Annual Fee, Daily use
                • 1.5% Cash Back on every purchase.
                • 17.99% - 27.99% VariableApply now
                  On Capital One‘s site
                  Upgrade Cash Rewards Visa®
                  4.35
                  Good credit score
                • 1.5% Cash Back on payments.
                • 14.99% - 29.99% RegularApply now
                  On Upgrade‘s website
                  Upgrade Triple Cash Rewards Visa®
                  3.53
                • 3% Cash Back on Home, Auto and Health categories.
                • 1% Cash Back on everything else.
                • 14.99% - 29.99% RegularApply now
                  On Upgrade‘s website
                  Merrick Bank Double Your Line® Mastercard®
                  4.1
                • This card doesn't offer cash back, miles or points.
                • 23.20% - 30.20% *VariableApply now
                  On Merrick Bank‘s site
                  The Bank of Missouri First Access Visa®
                  4.2
                • This card doesn't offer cash back, miles or points.
                • 34.99%Apply now
                  On the First Access Visa® Card secure website
                  Celtic Bank Reflex® Platinum Mastercard®
                  3.8
                  Unsecured
                • This card doesn't offer cash back, miles or points.
                • 24.99% - 29.99% VariableApply now
                  On Celtic Bank‘s site
                  The Bank of Missouri Milestone Mastercard®
                  3.5
                  Unsecured
                • This card doesn't offer cash back, miles or points.
                • 24.9%Apply now
                  On The Bank of Missouri‘s site
                  Merrick Bank Double Your Line® Secured Credit Card
                  3.98
                • This card doesn't offer cash back, miles or points.
                • 21.20% VariableApply now
                  On Merrick Bank‘s site
                  First Progress Platinum Elite Mastercard® Secured Credit Card
                  3.3
                • This card doesn't offer cash back, miles or points.
                • 23.74% VariableApply now
                  On First Progress’s site
                  WebBank Petal® 1 "No Annual Fee" Visa®
                  4.34
                  For bad credit
                • 2% - 10%:
                • Cash Back at select merchants.
                • 23.74% - 33.24% VariableApply now
                  On WebBank‘s site
                  Celtic Bank Surge® Platinum Secured Mastercard®
                  3.3
                • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                • 19.99% VariableApply now
                  On Celtic Bank‘s site
                  Merrick Bank Secured Credit Card
                  3.2
                • This card doesn't offer cash back, miles or points.
                • 21.20% VariableApply now
                  On Merrick Bank‘s site
                  First Progress Platinum Select Mastercard® Secured Credit Card
                  3.5
                • This card doesn't offer cash back, miles or points.
                • 17.74% VariableApply now
                  On First Progress’s site
                  Celtic Bank The Owner’s Rewards Card by M1
                  3.91
                • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
                • 1.5% Cash Back on everything else.
                • 17.99% - 27.99% VariableApply now
                  On Celtic Bank‘s site
                  Capital One Spark Miles for Business
                  4.26
                  Walmart purchases
                • 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.
                • 23.99% VariableApply now
                  On Capital One‘s site
                  Cross River Bank Divvy
                  4.04
                • 2x - 7x:
                • Points on restaurants.
                • 2x - 5x:
                • Points on hotels.
                • 1.5x - 2x:
                • Points on recurring software subscriptions.
                • 1x - 1.5x:
                • Points on everything else.
                • NoneApply now
                  On Cross River Bank‘s site
                  American Express Blue Cash Preferred
                  5
                  Gas, Groceries, Streaming services, Daily use
                • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
                • 6% Cash Back on streaming (select U.S. streaming subscriptions).
                • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
                • 3% Cash Back at U.S. Gas Stations.
                • 1% Cash Back on other purchases.
                • 17.74% - 28.74% VariableLearn more
                  Chase Freedom Flex℠
                  5
                  Cash Back, 0 APR, No Annual Fee, Daily use
                • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
                • 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% Cash Back on all other purchases.
                • 18.74% - 27.49% VariableLearn more
                  Chase Freedom Unlimited®
                  5
                  Cash Back, 0 APR, No Annual Fee, Daily use
                • 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.
                • 18.74% - 27.49% VariableLearn more
                  Citi Double Cash
                  4.55
                  Cash Back, No Annual Fee, Daily use
                • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
                • 17.74% - 27.74% VariableLearn more
                  Citi Costco Anywhere Visa®
                  4.23
                  Cash Back, Young couples
                • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
                • 3% Cash Back on restaurants and eligible travel purchase worldwide.
                • 2% Cash Back on all other purchases from Costco and Costco.com.
                • 1% Cash Back on all other purchases.
                • 18.99% VariableLearn more
                  Chase Sapphire Preferred®
                  4.32
                  Travel, Restaurants, Daily use
                • $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.
                • 19.74% - 26.74% VariableLearn more
                  Citi Diamond Preferred®
                  3.79
                  0 APR, No Annual Fee
                • This card doesn't offer cash back, miles or points.
                • 16.74% - 27.49% VariableLearn more
                  Credit One® Bank Platinum Visa For Rebuilding Credit
                  1.57
                  Retired person
                • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                • 25.49% VariableLearn more
                  U.S. Bank Visa® Platinum Card
                  3.65
                  0 APR, No Annual Fee
                • This card doesn't offer cash back, miles or points.
                • 18.24% - 28.24% VariableLearn more

                  Capital One Venture Rewards Credit Card

                  If you’re planning to travel in your retirement years, you should consider this card. It will earn you unlimited 2 miles on all purchases, which you can apply toward travel. New cardholders can get 75,000 bonus miles if they spend $4,000 on purchases in the first 3 months after account opening. The Capital One Venture Rewards will make your trips worry-free because it comes with travel accident insurance. You won't have to pay a foreign transaction fee with it. However, there's a $95 annual fee which, considering the rewards, is not too high anyway.

                  Read more about Capital One Venture Rewards Credit Card

                  American Express Blue Cash Preferred

                  This one is a star for grocery shopping with its outstanding 6% cash back at U.S. supermarkets (up to $6,000 annually). The same rate applies to streaming services too. So, if you're eager to finally spend your days in bed watching movies and cooking, why not earn valuable rewards while doing that? Additionally, there's a 3% cash back on transit and gas purchases (at U.S. gas stations) and 1% on everything else. There is one offer for new cardholders at the moment: a $350 welcome bonus if you spend $3,000 on purchases in the first 6 months. The card has a $0 intro annual fee in the first year , then $95 after that.

                  Read more about American Express Blue Cash Preferred

                  Chase Freedom Flex℠

                  With the Chase Freedom Flex℠, you're in for a rewards surprise each quarter, as this card offers 5% cash back in quarterly rotating bonus categories. In the first two quarters of 2021, those have included wholesale clubs, telecommunication services, home improvement stores, gas stations, and streaming services. There's also 5% on travel purchased through Chase, 3% at drugstores and restaurants, and 1% on everything else. There's a welcome offer of $200 which you can get by spending $500 in the first 3 months after account opening. If you've been eyeing some expensive treat for yourself, take advantage of the card's 0% APR intro period (15 months) on purchases and transfers (18.74% - 27.49% Variable after). Great for a no-annual fee card!

                  Read more about Chase Freedom Flex℠

                  Chase Freedom Unlimited®

                  The Chase Freedom Unlimited® is the sister card of the Freedom Flex℠ card described above. The difference is that this one has no rotating quarterly categories and a 1.5% cash back rate on all purchases. So, if you haven't recognized yourself in some of the bonus rotating categories of the Flex, and your spending is all over the place, you might want to go with the Unlimited.

                  Read more about Chase Freedom Unlimited®

                  Citi Double Cash

                  The Citi Double Cash comes with the best 2% flat rate on all purchases, you’ll get 1% when you buy and another 1% when you pay. This card has a long 18-month intro offer on balance transfers (17.74% - 27.74% Variable after). It’s great to save money if you have some credit card debt left, and it has no annual fee.

                  Read more about Citi Double Cash

                  Citi Costco Anywhere Visa®

                  You’ve always dreamed of making a long road trip and feel like now is finally the right time. It is! And the Costco Anywhere Visa® will allow you to earn valuable rewards while driving around the country. It offers a 4% on gas purchases worldwide (up to $7,000 spent annually). Additionally, there’s 3% at restaurants and travel, 2% at Costco (physical stores and online), and 1% on everything else. This card has no annual fee, but you should only consider it if you’re a Costco fan as it requires a membership ($60 or $120).

                  Read more about Citi Costco Anywhere Visa®

                  Chase Sapphire Preferred®

                  The Chase Sapphire Preferred® offers valuable travel rewards. You will earn 2 points per dollar spent on dining and travel and 1 point for all other purchases. There's an 60,000 points sign-up bonus, and to get it, you'd have to spend $4,000 in the first 3 months from account opening (that's $750 toward travel when redeemed through Chase Ultimate Rewards®). Retirees planning an exotic trip can easily reach that spending requirement. Additionally, you can earn up to $50 grocery store credit. As for rewards redemption, you can do it through Chase Ultimate Rewards and get 25% more redemption value or through one of the many Chase airline partners. This card comes with a $95 annual fee, but we believe retirees who enjoy traveling will find the rewards worth it.

                  Read more about Chase Sapphire Preferred®

                  Citi Diamond Preferred®

                  This card is for all who need a bit more time to pay off their debts and expenses. You can do that interest-free with the Citi Diamond Preferred’s 21-month 0% APR offer on balance transfers and 12-month 0% APR purchases (16.74% - 27.49% Variable after). You can still enjoy yourself with the help of Citi Entertainment which gets you special access to many event tickets. The card has no annual fee. However, since it lacks rewards it doesn’t offer much reason to keep it after the introductory APR period ends.

                  Read more about Citi Diamond Preferred®

                  Credit One® Bank Platinum Visa For Rebuilding Credit

                  You've struggled financially and are now entering retirement with poor credit? No need to worry you can use the Credit One® Bank Platinum Visa to rebuild your credit. It will earn you 1% cash back on all purchases, and its annual fee varies from $75 for the first year ($99 thereafter), based on your creditworthiness. You'll get a credit limit of at least $300 which will be regularly reviewed and potentially increased if you make timely payments. The card offers free access to the Experian credit score, and after you've improved your credit score, you can move on to better rewards cards.

                  Read more about Credit One® Bank Platinum Visa For Rebuilding Credit

                  U.S. Bank Visa® Platinum Card

                  There’s nothing wrong if you have not yet settled all your debt. The no-annual-fee US bank Visa® Platinum has the longest introductory APR offer of even 18 billing cycles on both balance transfers and purchases. That should give you enough time to pay off your outstanding balances or even get yourself something pricey (you deserved it!).

                  Read more about U.S. Bank Visa® Platinum Card

                  Should you get a credit card if you are retired?

                  We know you might be thinking why would you need a credit card if you've already paid off all your loans, saved enough to enjoy retirement, and aren't planning any big expenses now. However, a credit card's only use is not just for borrowing from it. You can also earn valuable rewards on every purchase and get great benefits.

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                  For example, the US bank Visa® Platinum and the Wells Fargo Cash Wise Visa® offer cell phone protection if you use your card to pay for your monthly mobile bills.

                  Another thing you'll get from credit cards is protection. Almost all of them come with zero fraud liability, many of them come with extended warranties and purchase protection, and travel insurance is a common perk with travel credit cards.

                  You'll also have breathing space between your payments as credit cards give you a certain period to pay off your balance without acquiring interest. You will avoid situations when you want to buy something but don't have enough money on your account at that moment.

                  Most retirees will probably have high credit scores assuming they’ve been financially responsible throughout the years and are going into retirement debt-free. Depending on your income in retirement years, you might have a good chance at some great rewards cards. But even if that’s not the case, you can still get a credit building card, like the Credit One® Bank Platinum Visa For Rebuilding Credit. It will earn you rewards and enable you to apply for a better card once you improve your credit.

                  How to choose the right type of card?

                  Here are a few things you should consider when choosing a credit card:

                  1. Annual fee – if retired, you probably live on a fixed income, unless you have some investments (good for you!). However, you should still make sure that an annual fee will be worth the rewards before you apply for a card. The potential rewards have to be higher than the annual fee, and this will depend on how much you spend in the bonus categories.
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                      Let's take the Blue Cash Preferred® as an example. You'll need to spend around $1,600 on groceries annually to make up for the $95 annual fee.
                  3. Rewards – some retirees will choose to spend their days traveling all around the world. They will benefit most from a travel rewards card, like the Chase Sapphire Preferred®. There are many cash back cards to choose from, too, with bonus categories ranging from groceries to home improvement. And, if you don't have favorite spending categories, just go for a card with a flat rate, like the Citi Double Cash.
                  4. Other features and benefits – Finally, consider things like no foreign transaction fee, extended warranties, travel or rental car insurance, and many others.

                  Mistakes seniors can avoid when applying for a credit card

                  Spending too much

                  Getting a credit card doesn’t mean you should go on a shopping spree right away and spend more than you can handle. Keep in mind that you’re not working anymore, so your income isn’t getting any higher. Make sure you can make all your payments on time.

                  Not taking the time to research

                  Maybe it seems like you’ve found your perfect card, but don’t act too fast. Read carefully the card’s fine print and be realistic about whether you can get approved for it. Rejected card applications will lower your credit score, and thus your chances for a good rewards card.

                  Applying for several cards

                  If you got rejected for one credit card, don’t immediately just apply for another one. Take the time to understand why you were rejected. If the reason was a poor credit score, work on it first before applying for another card.

                  Spending tips for your retirement

                  Make payments on time – don’t allow yourself to have to pay interests and hold debts at a life period when you should be free of those things.

                  Maximize your rewards – make sure you spend enough to get the sign-up bonus and swipe your card for every purchase you make.

                  Get a second card – because why not? If your credit score allows for that, get two credit cards to earn higher rewards in as many categories.

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                  For example, you can have one card for common purchases (with a bonus category like groceries or dining out) and another one with travel rewards and no foreign transaction fee.

                  FAQ

                  What is the best credit card for a retired person?

                  If there was a single best card for everyone, there wouldn’t have been that many options. The best credit card for you will be the one that best fits your lifestyle and spending habits.

                  What are other credit cards to consider?

                  Other great credit cards a senior citizen should consider are: Capital One Quicksilver, Discover it® Miles, and the Capital One SavorOne.

                  Can I get a credit card as a retired person?

                  Yes. If you meet the basic eligibility criteria you can apply for a credit card. Issuers take into account the applicant's income when considering an applicant. For you, this will be your pension, plus any additional investment income if you have some.
                  Hanna VolkavaHanna Volkava

                  Financial and product expert

                  hv@myfin.us