Best Credit Card Offers of 2020

Getting the best credit card is not an easy task because not all best credit cards will be best for you. You should know what you need a credit card for to be able to find an ideal credit card for you. There are tens of thousands of credit cards out there. Some of them are tailored to those who want to build their credit, other cards offer low or 0% intro APRs on purchases and balance transfers. Credit cards with cash back, point rewards, miles rewards - there are all possible rewards credit cards to choose from if you are after rewards. Below you will find some of the best credit card offers out there.

July 2020: BEST CREDIT CARD OFFER

4
Card Overall Rating
Fair / Bad Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
  • YOU’RE NOT ALONE – First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • WORKING TOGETHER - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.**
  • Looking to build credit? We report to the major consumer reporting agencies monthly**

More Best Offers for Your Credit

Horizon Gold Application
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4
Card Overall Rating
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
4
Card Overall Rating
Fair / Bad Credit
  • YOU CAN DO MORE THAN JUST GET BY - First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • Looking to build a credit future? We report to the major consumer reporting agencies monthly**
  • Reports to consumer reporting agencies help you monitor your financial progress to build credit history (build credit by keeping your balance low and paying on time every month)
  • Access to credit, and the things you need (subject to available credit)
  • First PREMIER customer service: helpful, friendly, fast
  • Apply online for a credit card to build credit**
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
4
Card Overall Rating
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.39% (variable)
Annual Fee
$35
5
Card Overall Rating
  • Unlimited by Green Dot Bank. Banking. Saving. Simple.
  • 2% interest (APY) on your savings + 2% cash back on online and mobile purchases.
  • Visit GreenDot.com for terms and conditions.
  • 2% Annual Percentage Yield as of 6/2/2020, on savings up to $10K, may change anytime.
Guaranteed Approval
No
Instant Response
No
Credit Check
No
Activation Fee
See terms
4
Card Overall Rating
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
5
Loan Overall Rating
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Employment Required
No
3
Card Overall Rating
Poor/Limited/No Credit
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.99% (V)
Annual Fee
$39
4
Card Overall Rating
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*

Planning Your Financial Path with a Credit Card

You put a lot of time and effort into applying for the best credit card offer that suits your financial needs and lifestyle. Now that you have it you can enjoy the convenience and advantages of having a credit card, including making online purchases, not having to carry cash, and benefiting from the perks of rewards programs. But on the flip side, a credit card also comes with a lot of responsibility.

Careless credit card use can quickly lead to serious debt or identity theft. Moreover, most people fail to realize that credit card payments and level of debt have the most negative impact on your credit rating. Maxing out your credit card or ignoring your monthly bills now can have serious consequences in the future. A low credit score can hinder your ability to get a loan for a house or car, cause you to have to pay security deposits on utilities, make getting approved for an apartment or loan difficult, and depending on what industry you are in, even result in your denial for employment.

So before you go out and splurge on a wild weekend or start developing bad bill payment habits, our team of personal finance experts has some tips on the best ways to maintain your credit card after you get it.

  • Think of your credit card as 27 day cycle loan
  • Know what you owe
  • Pay your bill on time
  • Pay your bill in full
  • Use your credit card for emergencies only

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
There are a lot of good credit card offers but what is the best credit card for you depends on your credit score and your preferences. First of all, know your credit score to find the right credit cards to choose from and to qualify for a credit...
With so many credit card issuers, there is quite a lot of competition between credit card companies to get customers, especially those with decent and good credit ratings. Millions of new credit card accounts are approved by all the credit companies...
Firstly, you should understand what are your main expenses to choose the best rewards credit card for you. There are different types of rewards cards: Cash back credit cards. Some cash back credit cards offer fixed cash back rate, for example, 1%...
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