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

Best Credit Cards for Single Moms of November 2022

Every single mom knows it’s vital to navigate personal finances. You can not do it without a great credit card. Credit cards make your life easier by providing bonuses and discounts you need. With many credit cards available on the market, choosing the one that matches your needs and lifestyle is essential. Credit cards nowadays offer a wide variety of features, and it is important you find the card that will fit you the most. In this article, we will look through the best credit cards for single moms. Also, we will give our advice to moms on how to choose the right credit card just for you and how to make it beneficial for you and your children.

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for Single mom in November 2022

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

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

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

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

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

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

Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

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

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

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

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

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

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

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

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

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail
Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.14
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 28.49 Variable. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
View all Quicksilver Secured Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

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

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

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

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

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

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

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
Apply now
On Capital One‘s site
Card detail
Double Your Line® Mastercard® Merrick Bank
Annual fee:
$0 - $72 annually
Regular APR:
22.45% - 30.70% *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 22.45% - 30.70% (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

    WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

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

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

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

      Grow your credit score with responsible spending and on-time payments.

      Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

      Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

      Read full review

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

        Celtic Bank Indigo® Mastercard® best for Unsecured

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

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

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

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

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

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

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

            Read full review

          • Pros:
            • No security deposit
            • Quick and easy to apply
            • Pre-qualification
            • Fraud protection
            • Has Mastercard ID Theft Protection
          • Cons:
            • Low credit limit
            • No rewards or one-time offers
            • Foreign transaction fee
          • Benefits:
            • A low foreign transaction fee of 1 percent;
            • Choice of Card Image;
            • Fraud Protection;
            • 24/7 Account Access;
            • Extended warranty coverage.
          View all Indigo® Mastercard® details
          Apply now
          On Celtic Bank‘s site
          Card detail
          Total Visa® The Bank of Missouri
          Annual fee:
          $164 for first year (including one-time program fee of $89)
          $48 annually *
          Regular APR:
          34.99% *
          Our Rating:
          3.32
          scorer
          Credit score
          Rebuilding Credit to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

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

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

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

              Read full review

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

            The Bank of Missouri Milestone Mastercard® best for Unsecured

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

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

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

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

                Read full review

              • Pros:
                • Low application requirements
                • No security deposit
                • Low foreign transaction fee
                • Reports to three major credit bureaus
              • Cons:
                • Annual fee
                • Additional fees and high APR
                • Low credit limit
                • No rewards system
              • Benefits:
                • Fraud Protection;
                • Credit Bureau Reporting;
                • Extended warranty coverage;
                • Mastercard Global Service;
                • Easy Pre-Qualification;
                • Full Mastercard Perks;
                • 24/7 Account Management.
              View all Milestone Mastercard® details
              Apply now
              On The Bank of Missouri‘s site
              Card detail
              Merrick Bank Double Your Line® Secured Mastercard®
              Annual fee:
              $36 the first year. Billed $3 per month thereafter
              Regular APR:
              20.45% 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 20.45% (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.

                  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 Prestige Mastercard® Secured Synovus Bank
                Annual fee:
                $49 annually
                Regular APR:
                13.74% Variable
                Our Rating:
                3.8
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • Issuer name:
                    Synovus Bank
                  • Details:

                    The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                    The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

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

                    First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                    Read full review

                  • Pros:
                    • Low APR for Purchases
                    • No Minimum Credit Score Required
                    • Reports to Three Major Credit Bureaus
                    • Suitable Range of Credit Limit
                  • Cons:
                    • High Annual Fee
                    • High Transaction Fees on Cash Advance
                    • High Penalty Fees
                    • No Bonuses or Rewards
                    • Foreign Transaction Fees
                    • Unavailability of Card for Certain Geographies in the US
                  • Benefits:
                    • Accepted Nationwide;
                    • No Minimum Credit Score;
                    • No Credit History Required.
                  View all First Progress Platinum Prestige Mastercard® Secured details
                  Apply now
                  On First Progress’s site
                  Card detail
                  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:
                    22.99% - 32.49% Variable
                    Our Rating:
                    4.34
                    scorer
                    Credit score
                    No Credit History to Good (0-739)
                    • Rewards Rate:
                      • 2% - 10%:
                      • Cash Back at select merchants.
                    • Issuer name:
                      WebBank
                    • Details:

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

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

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

                      Read full review

                    • Pros:
                      • No Annual Fee
                      • No Foreign Transaction Fee
                    • Cons:
                      • No welcome bonus
                      • No intro APR period
                    • Benefits:
                      • 2 - 10% Cash Back;
                      • Zero liability fraud protection;
                      • $300 - $5,000 credit limits.
                    View all Petal® 1 "No Annual Fee" Visa® details
                    Apply now
                    On WebBank‘s site
                    Card detail
                    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:
                    20.45% 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: 20.45% 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
                        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

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

                        Chase Freedom Unlimited®
                        Annual fee:
                        $0
                        Regular APR:
                        17.24% - 25.99% 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:
                          17.24% - 25.99% Variable
                        • Issuer name:
                          Chase
                        • Details:

                          The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% 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 Simplicity® best for 0 APR, Single mom

                        Citi Simplicity®
                        Annual fee:
                        $0
                        Regular APR:
                        17.74% - 28.49% Variable
                        Our Rating:
                        3.57
                        scorer
                        Credit score
                        Excellent (740-799)
                        • Purchase Intro APR:
                          0% Introductory APR for 12 months from date of account opening
                        • Balance Transfer APR:
                          17.74% - 28.49% Variable
                        • Issuer name:
                          Citi
                        • Details:

                          The Citi Simplicity® Credit Card is a no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program

                          The Citi Simplicity® Card offers an introductory 0% Intro APR on purchases for 12 months. Additionally, the card offers 0% Intro APR on balance transfers for 21 months from the date of the first transfer. After that, the APR will be 17.74% – 28.49%, based on your creditworthiness.

                          The card has a balance transfer fee of $5 or 5 percent of the amount of each transfer, whichever is greater. Balance transfers must be completed within four months of opening the account. If you miss a payment, there is no late fee or penalty APR.

                          The Card's Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

                          Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.

                        • Pros:
                          • 0% intro APR on Balance Transfers for 21 months
                          • 0% intro APR on purchases for 12 months
                          • No annual fee
                          • No late fees or penalty rates ever
                        • Cons:
                          • No rewards system or sign-up bonus
                          • Foreign transaction fee
                        • Benefits:
                          • $0 Fraud Liability;
                          • 24/7 Customer Service;
                          • Digital Wallets;
                          • Citi® Identity Theft Solutions.
                        Card detail

                        Blue Cash Everyday® Card from American Express best for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

                        Blue Cash Everyday® American Express
                        Annual fee:
                        $0
                        Regular APR:
                        17.74% - 28.74% Variable
                        Our Rating:
                        4.24
                        scorer
                        Credit score
                        Good to Excellent (670-799)
                        • Rewards Rate:
                          • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
                          • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
                          • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
                          • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
                        • Intro Offer:
                          • $150 Earn up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months.
                        • Purchase Intro APR:
                          0% Introductory APR for the first 15 months from the date of account opening
                        • Balance Transfer APR:
                          17.74% - 28.74% Variable
                        • Issuer name:
                          American Express®
                        • Details:

                          The Blue Cash Everyday® Card from American Express offers up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months. Plus, earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), 2% Cash Back at U.S. gas stations and 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

                          The Blue Cash Everyday® Card from American Express offers an introductory 0% APR on purchases and balance transfers for 15 months, followed by a variable APR of 17.74% to 28.74%.

                          Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

                          When you use your Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

                          Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

                        • Pros:
                          • No Annual Fee
                          • Provides Gas and Grocery Rewards
                          • 0% Intro Offer
                          • Welcome Bonus
                        • Cons:
                          • Limited Redemption
                          • Bonus Cash Backs Capped
                          • Card not Ideal for Travelling Abroad
                        • Benefits:
                          • 3% Сash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%);
                          • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%);
                          • 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
                          • 1% Cash Back on all other purchases;
                          • Up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases;
                          • $100 back in statement credits after spending $2,000 within the first 6 months;
                          • Car Rental Loss and Damage Insurance;
                          • 24/7 Global Assist® Hotline;
                          • American Express Experiences;
                          • Fraud Protection;
                          • Pay It Plan It;
                          • Additional Cards;
                          • Terms Apply.
                        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:
                        17.24% - 25.99% 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:
                          17.24% - 25.99% 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 17.24% - 25.99% 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

                        Short Review of Best Credit Cards for Single Mom

                        NameBest forRewards RateAPRApply
                        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 SavorOne Cash Rewards Credit Card
                        4.36
                        Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
                      • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
                      • 1% Cash Back on all other purchases.
                      • 17.99% - 27.99% 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 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
                        Capital One QuicksilverOne Cash Rewards Credit Card
                        3.64
                        Fair credit
                      • 1.5% Cash Back on every purchase.
                      • 28.49% VariableApply now
                        On Capital One‘s site
                        Capital One Quicksilver Secured Cash Rewards Credit Card
                        3.14
                      • 1.5% Cash Back on every purchase.
                      • 28.49% VariableApply now
                        On Capital One‘s site
                        Capital One Platinum Secured Credit Card
                        2.44
                        Single mom, Without SSN
                      • This card doesn't offer cash back, miles or points.
                      • 28.49% VariableApply now
                        On Capital One‘s site
                        Merrick Bank Double Your Line® Mastercard®
                        4.1
                      • This card doesn't offer cash back, miles or points.
                      • 22.45% - 30.70% *VariableApply now
                        On Merrick Bank‘s site
                        WebBank Petal® 2 “Cash Back, No Fees” Visa®
                        3.8
                        Beginner, No history
                      • 1% - 1.5%:
                      • Cash Back after making 12 on-time monthly payments.
                      • 2% - 10%:
                      • Cash Back from select merchants.
                      • 15.99% - 29.99% VariableApply now
                        On WebBank‘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
                        Celtic Bank Indigo® Mastercard®
                        3.7
                        Unsecured
                      • This card doesn't offer cash back, miles or points.
                      • 24.9%Apply now
                        On Celtic Bank‘s site
                        The Bank of Missouri Total Visa® Unsecured
                        3.32
                      • This card doesn't offer cash back, miles or points.
                      • 34.99% *Apply now
                        On the Total Visa® Card secure website
                        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.
                      • 20.45% VariableApply now
                        On Merrick Bank‘s site
                        First Progress Platinum Prestige Mastercard® Secured Credit Card
                        3.8
                      • This card doesn't offer cash back, miles or points.
                      • 13.74% VariableApply now
                        On First Progress’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.
                      • 22.99% - 32.49% 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.
                      • 20.45% 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
                        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
                        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.
                      • 17.24% - 25.99% VariableLearn more
                        Citi Simplicity®
                        3.57
                        0 APR, Single mom
                      • This card doesn't offer cash back, miles or points.
                      • 17.74% - 28.49% VariableLearn more
                        Blue Cash Everyday® Card from American Express
                        4.24
                        Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries
                      • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
                      • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
                      • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
                      • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
                      • 17.74% - 28.74% VariableLearn more
                        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.
                      • 17.24% - 25.99% VariableLearn more

                        Capital One SavorOne Cash Rewards Credit Card

                        The Capital One SavorOne Cash Rewards Credit Card provides 3% unlimited cash back on such categories as entertainment, dining, grocery store purchases and 1% cash back on all other categories. New cardholders receive a $200 cash bonus after they spend $500 on purchases within the first three months since the opening of the account. No foreign transaction fee will also be a nice bonus should you decide to go on vacation abroad, as the card issuer doesn't charge for using this card in other countries. The credit card offers 0% introductory APR for purchases and transfers during the first 15 months from account opening ( after that 17.99% - 27.99% variable). It will allow you to save money while making large purchases. What’s more, the Capital One SavorOne Cash Rewards Credit Card does not have an annual fee.

                        Read more about Capital One SavorOne Cash Rewards Credit Card

                        Capital One Platinum Secured Credit Card

                        This is a secured credit card for single moms who look forward to building or rebuilding their credit. By making the minimum required security deposit, you’ll be able to get an initial credit line of $200. Furthermore, should you prove yourself as a reliable cardholder you will have the opportunity to refund your deposit in the form of a statement credit. Keep your balance low and make on-time payments to improve your credit with this card. If you have bad credit or no credit, the Platinum Secured Mastercard® from Capital One is a good option for you due to relatively easy application requirements and the absence of an annual fee on the credit card. This credit card allows you to be considered for a better credit line in only 6 months.

                        Read more about Capital One Platinum Secured Credit Card

                        Chase Freedom Unlimited®

                        The Chase Freedom Unlimited® Credit Card is a good choice for single moms who want their credit card to have balanced cash back and very straightforward card rules. If you and your child are traveler people, you’ll enjoy 5% cash back on travel purchased through Chase Ultimate Rewards programme. You can get 3% cash back for drugstores purchases, restaurants and takeouts, which can be useful for working single moms. Apart from that, with the Chase Freedom Unlimited® credit card you will earn 1.5% cash back on all other purchases. Moreover, the credit card offers an easy-reachable sign-up bonus with only $500 necessary to spend in the first three months of having the card to get $200. There is no annual fee on this card, making it even better. Finally, an extensive 15 month period of 0% APR on purchases and transfers can be very helpful for moms planning to make large purchases (17.24% - 25.99% variable after that).

                        Read more about Chase Freedom Unlimited®

                        Citi Simplicity®

                        If you search for a perfect credit card to pay off your current credit card debt, the Citi Simplicity® Card is worth considering. Compared to other credit cards, Citi Simplicity® Card has fewer fees and penalties. The card does not have an annual fee and offers 0% intro APR on Balance Transfers (for 21 months) and Purchases (12 months). After the intro period ends, the variable APR is 17.74% - 28.49%. Additionally, Citi Simplicity® Card does not charge late fees, making the card ideal for people who may slip on timely payments.

                        Read more about Citi Simplicity®

                        Blue Cash Everyday® Card from American Express

                        Blue Cash Everyday® Card from American Express® stands out compared to other cash back credit cards due to its extensive rewards system. You can get a stable 3% cash back at the U.S. supermarkets (on up to $6,000 spend per year) and department stores and 2% cash back on gas at the U.S. gas stations and the selected U.S. department stores. Furthermore, 1% cash back will be applied on all other purchases. This card earns $200 back after you spend $2,000 on purchases within 6 months of Card Membership. You will receive the $200 back in the form of a statement credit. Additionally, this card offers 0% intro APR on purchases for 15 months (17.74% - 28.74% after that) and does not charge an annual fee. All this makes Blue Cash Everyday® Card from American Express® an almost ideal card for single moms.

                        Read more about Blue Cash Everyday® Card from American Express

                        American Express Blue Cash Preferred

                        The Blue Cash Preferred® Credit Card is considered one of the best cash back rewards credit cards for shopping at the U.S. supermarkets, with a 6% cash back rate of up to $6,000 a year in spending. In addition, 6% cash back also applies to eligible streaming services - but without any cap on it. Transit, including public transportation and taxis, and gas at U.S. gas stations are also two cash back categories that will earn you 3% cash back each. Finally, you’ll receive 1% cash back on all other purchases. Also, this card offers a $350 bonus once you spend $3,000 in purchases within the first 6 months of opening the account. As for non-cash back bonuses, this card offers 0% introductory APR for 12 months from the date of account opening (17.74% - 28.74% after) and waives annual fee for the first year ($0 intro annual fee for the first year , then $95 after that).

                        Read more about American Express Blue Cash Preferred

                        Chase Freedom Flex℠

                        If you want to earn more with the rewards in both rotating and select spending categories, you should consider the Chase Freedom Flex℠ credit card. You can get 5% cash back on quarterly rotating bonus categories, 3% cash back on drugstores and dining, including restaurants, takeout and delivery services, and 5% cash back on travel purchased through Chase Ultimate Rewards. Chase Freedom Flex℠ credit card also offers 1% cash back on all other purchases. This credit card comes with a generous $200 sign-up bonus after spending $500 on purchases in the first 3 months. This sign-up bonus with a 0% introductory APR on purchases and transfers (17.24% - 25.99% Variable after) is a great combination for single moms planning to buy essential household items. Additionally, this card provides several bonuses from Chase partners, including Lyft, Fandango, Shoprunner, and DoorDash. Finally, no annual fee is always a nice bonus to have.

                        Read more about Chase Freedom Flex℠

                        How to compare credit cards for single parents

                        To make a wise choice you need to analyze your financial situation and goals, typical monthly budget, and rewards preferences.

                        Single parents, who have large purchases to be made in the near future, may be interested in cards with a low APR on purchases. On the contrary, if you are interested in paying off your existing debt, you need to pay attention to the credit cards with low or 0% APR on balance transfers. This card will allow you to transfer debt from one card to another without paying extra interest, which will ease the debt payment process.

                        While choosing a credit card, pay attention to the bonuses that come with the card. Many cards offer cash back rewards on categories important to single parents: gas, dining, and drugstores. It will allow you to save money on these spendings. Several credit card issuers also offer generous sign-up bonuses for new users. These bonuses may also help you cover expenses.

                        You should also check the eligibility criteria for the credit card, such as minimum income and credit score required before picking up a credit card to apply. Some credit cards have high requirements, so it may be better to choose more obtainable variants.

                        Can I Build My Child’s Credit? At what age?

                        One of the best ways to introduce children to the core of financial responsibility is by building a credit score for them. You can add a minor as an authorized user to your credit card account.

                        As authorized users, your children could build their credit and establish a credit file. This step will require additional control from your side over your children’s spending. While your children need to be at least 18 to open their credit card account, they can become authorized users much earlier.

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                        Most credit card issuers don’t put any restrictions on the minimum age for authorized users, meaning you can add your child to your credit card account as early as you want (Bank of America, Capital One, Chase, Citibank, and Discover). Notable exceptions, which have a minimum age requirement, include American Express and Barclays (13 years old), Discover (15 years old), and U.S. Bank (16 years old).

                        Can I Get a Credit Card if I’m Unemployed?

                        Getting a credit card without having a stable job can be more challenging, but it’s certainly not impossible. You may be approved for a credit card if you have a fair credit history and an income stream that will allow you to make payments for your credit card.

                        The Credit Card Act of 2009 expands the sources of the household income you can mention in your credit card application. You can list unemployment benefits, child support, alimony, and other sources to get a credit card.

                        Even if your credit score is low, there are still ways for you to get a credit card. For example, you may apply for a subprime credit card. This type of credit card allows people to build their credit score.

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                        Good examples of subprime credit cards are Surge® Platinum Mastercard®, Total Visa® Unsecured Card, The First Progress Platinum Elite Mastercard® Secured Credit Card, and Indigo® Mastercard® Credit Card.

                        In case your income isn’t high enough, you should consider getting a secured credit card. Secured credit cards require a deposit, and this deposit determines your credit limit. Secured credit cards tend to have lower credit limits and assist you in building good credit habits.

                        Alternatively, you can rely on your friends and family to get a credit card. You can become an authorized user on your friend’s or family member’s account. You will receive a credit card in your name, but it will be on their account. Remember that both an authorized user and a main cardholder may influence the cardholder’s credit score, depending on how they use the card. Another option includes getting a co-signer for your credit card. Contrary to becoming an authorized user, you will not be linked to their credit card account or credit score. The co-signer will be your backup if you won’t be able to make your credit card payments.

                        How to increase my chances of credit card approval if I’m a single parent?

                        If you are a single mom, being rejected for a credit card may have unpleasant consequences for your family. There are several steps you can take to avoid being rejected.

                        First of all, you need to analyze your needs and opportunities. It’s vital to apply for credit cards that match your needs. It’s also necessary to critically assess your situation, including your credit score and income, and apply for a credit card if you meet the requirements introduced by the credit card issuer.

                        Some credit card issuers, including Capital One, American Express, Discover, and Chase offer credit card pre-approval. This process allows you to check whether you meet the initial criteria for the credit card without hurting your credit score in case of rejection. The credit card issuer will prescreen you and inform you whether you pass the basic requirements for a particular credit card. It does not guarantee you’ll get the credit card in the end, but it’s still very helpful to weigh in on your opportunities.

                        Secondly, you should be ready to prove your income sources. You may use bank statements, paystubs, cheques, and other documents to provide evidence of your income. Don’t hesitate to contact your credit card issuer and clarify what kind of documents you should present to prove your income. Remember that unstable or insufficient income is one of the most common reasons for credit card rejection.

                        Finally, we advise you to look through the most common reasons why the banks don’t approve credit card applications. The most common reasons for rejection also include too many credit card applications in a short period, extended credit debt, and mistakes on credit card applications. By analyzing the most common grounds for credit card application rejection, you can prevent them from hurting your chances of getting a credit card.

                        FAQ

                        What are other credit cards to consider?

                        We advise you to pay special attention to cash back rewards cards, as they allow you to earn cash back on the categories important to you. As a single mom, you are likely spending a significant part of your budget on supermarkets, buying food and necessary items for your home. There’s a number of credit cards with an exceptional focus on cash-back from the supermarkets. For example, by using Amazon Prime Rewards Visa Signature Card, you can earn cash-back from your purchases on Amazon and at Whole Foods. The Target REDcard™ Credit Card and the Costco Anywhere Visa® Card by Citi also offer a wide range of bonuses for purchases in Target and Costco, respectively.

                        Can I Get a Credit Card in My Child’s Name?

                        Some parents may look towards getting their child a credit card as early as possible. However, in the US, only people 18 years or older may open a credit card account. Violation of this law is considered credit card fraud and may lead to serious legal consequences.
                        As an option, you can consider getting your children as authorized users to your credit card account. It will allow them to build their credit and establish their credit files.

                        What is the best credit card with college savings benefits?

                        It’s important to start saving for your children's education as early as possible, especially if you are a single mom. One of the best ways to do it is by opening a 529 college savings credit card. One of the best 529 credit cards on the market is the Fidelity® Rewards Visa Signature® Card. This card offers 2% cash back on purchases, allowing you an option to transfer points earned directly into a 529 college savings account opened with Fidelity.
                        Hanna VolkavaHanna Volkava

                        Financial and product expert

                        hv@myfin.us