See Your Best Credit Card Options:

This tool finds credit cards that suit your situation best. It does not guarantee approval for any of the credit cards found. Only issuers can decide whether you are eligible or not for the offer you choose.

CHANGE PARAMETERS
FILTER RESULTS BY:
Credit Card
Loan
Shopping Credit Card
Consumer
Student
Visa
Mastercard
American Express
Discover
Secured
Unsecured
Points Rewards
Miles Rewards
Cash Back Rewards
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
No Annual Fee
No Balance Transfers Fee
No Foreign Transaction Fee
No Activation Fee
No Credit Check
Credit Reporting
Guaranteed Approval
Instant Response
Build Credit
OOPS!
Seems like there are not any cards that meet all of your criteria. But you can change the parameters and choose different filters.
Best Match
Discover it® Miles Application
Compare now (45) »
5
Card Overall Rating
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
10.99% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
Discover it® Cash Back Application
Compare now (45) »
5
Card Overall Rating
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
5
Card Overall Rating
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
0% (18 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
Discover it® chrome Application
Compare now (45) »
5
Card Overall Rating
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
4
Card Overall Rating
  • 75,000 MILES EACH YEAR if you spend $25,000 on purchases
  • After that, keep earning UNLIMITED 2X MILES on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 800 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49%, 21.49% or 24.49% Variable
Annual Fee
$150
5
Card Overall Rating
  • Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
  • Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.49% to 24.49% based on your creditworthiness.
  • No Penalty Rate (APR) for a missed payment
  • No Annual Fee
  • Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.
Intro APR on Purchases
0% (15 billing cycles)
Intro APR on Balance Transfer
0% (15 billing cycles)
Ongoing APR
13.49%-24.49% Variable
Annual Fee
N/A
Horizon Gold Application
Compare now (45) »
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 Transfer
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
First Access Visa Application
Compare now (45) »
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
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $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
  • Online Customer Center available 24 x 7
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
5
Card Overall Rating
  • Earn cash rewards in three powerful ways.
  • Earn a new account bonus worth $100! To earn your 10,000 Real Life Rewards® Bonus Points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account.
  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
  • No Annual Fee
  • 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is opened. After that, your variable APR will be 15.49% to 24.49% based on your creditworthiness
  • No international transaction fees on credit purchases
  • Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (12 billing cycles)
Ongoing APR
15.49%-24.49% Variable
Annual Fee
N/A
Surge Mastercard® Application
Compare now (45) »
4
Card Overall Rating
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
5
Card Overall Rating
  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
4
Card Overall Rating
  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
10.49% Variable
Annual Fee
$0
Total Visa Card Application
Compare now (45) »
4
Card Overall Rating
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
Total Visa Card Application
Compare now (45) »
4
Card Overall Rating
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
5
Card Overall Rating
  • Up to $5,000 deposited to your bank account
  • Get funds as soon as tomorrow
  • Fast, Safe, and Convenient - all online!
Min Loan Amount
$500
Max Loan Amount
$5,000
Checking Account Required
Yes
Min Income Required
See terms
4
Card Overall Rating
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Ongoing APR
29.99% (non-variable)
Annual Fee
$0
5
Card Overall Rating
  • Earn $100 payout for every valid and funded loan
  • Loans between $5k - $100k, state restrictions apply1
  • Fixed rates starting at 6.20% APR (with AutoPay)2
  • 3, 4, 5, 6, or 7 year repayment terms
  • No origination fees, no prepayment penalties
  • Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
Min Loan Amount
$5,000
Max Loan Amount
$100,000
Checking Account Required
Yes
Min Income Required
$5,000
4
Card Overall Rating
  • Simple and fast application process
  • Don't have perfect credit? No problem!
  • Free 24/7 account access and bill pay from anywhere
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
23.9%
Annual Fee
$0 - $99
5
Card Overall Rating
  • Up to $5,000 deposited to your bank account
  • Get funds as soon as tomorrow
  • Fast, Safe, and Convenient - all online!
Min Loan Amount
$500
Max Loan Amount
$5,000
Checking Account Required
Yes
Min Income Required
See terms
5
Card Overall Rating
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
10.99% (6 months)
Ongoing APR
14.49% - 23.49% Variable
Annual Fee
$0
4
Card Overall Rating
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Ongoing APR
See Terms
Annual Fee
$0
5
Card Overall Rating
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
5
Card Overall Rating
  • Earn 1.5% cash back on every purchase with no limits or category restrictions.
  • Pay no annual fee, no penalty APR and no foreign transaction fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
13.40% - 27.40% Variable
Annual Fee
$0
Total Visa Card Application
Compare now (45) »
4
Card Overall Rating
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
4
Card Overall Rating
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
5
Card Overall Rating
  • Earn $150 bonus after you make $500 in purchases within the first 90 days of opening your account.
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
13.40% - 27.40% Variable
Annual Fee
$0
4
Card Overall Rating
  • Earn 2X points per dollar spent on gas and dining with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
11.40% - 27.40% Variable
Annual Fee
$0
5
Card Overall Rating
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
4
Card Overall Rating
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
17.49% - 25.49% Variable
Annual Fee
$0 - $99
4
Card Overall Rating
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
23.9%
Annual Fee
$35 - $99*
4
Card Overall Rating
  • Enjoy our lowest rate card
  • No annual fee, no foreign transaction fees, no penalty APR
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
8.40% - 25.40% Variable
Annual Fee
$0
4
Card Overall Rating
  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X point for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
11.40% - 27.40% Variable
Annual Fee
$0
5
Card Overall Rating
  • Complete our secure online form
  • Review the offer presented
  • Receive funds in your account
Min Loan Amount
See terms
Max Loan Amount
$10,000
Checking Account Required
Yes
Min Income Required
See terms
5
Card Overall Rating
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
10.99% (6 months)
Ongoing APR
14.49% - 23.49% Variable
Annual Fee
$0
National Credit Direct Application
Compare now (45) »
4
Card Overall Rating
  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds
Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Ongoing APR
0.0%
Annual Fee
See Terms*
5
Card Overall Rating
  • Personal loan as soon as tomorrow.
  • Get up a personal loan up to $2,500.
  • 24/7 Online Loan Application.
Min Loan Amount
$100
Max Loan Amount
$2,500
Checking Account Required
Yes
Min Income Required
$1​,​200
5
Card Overall Rating
  • Apply for up to $35,000.
  • Our Form is Safe & Secure.
  • Get Approval In Minutes.
Min Loan Amount
$1,000
Max Loan Amount
$35,000
Checking Account Required
Yes
Min Income Required
$2,000
5
Card Overall Rating
  • Need Cash Fast? Apply online for quick cash. It only takes minutes.
  • Can't wait until next payday? Fill out our easy online application and you could be funded in as little as 24 hours.
  • The original loan amount and the fees will be debited from your bank account.
Min Loan Amount
$50
Max Loan Amount
$1,000
Checking Account Required
Yes
Min Income Required
See terms
4
Card Overall Rating
  • Fair Credit History? Apply or pre-qualify for a credit card today!
  • Earn great rewards or simply build your credit with responsible card use!
  • Monthly reporting to major consumer reporting agencies and 24/7 access to your account.
Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Ongoing APR
Annual Fee
5
Card Overall Rating
  • Simple form
  • Up to $35k
  • Any loan reason
Min Loan Amount
$1,000
Max Loan Amount
$35,000
Checking Account Required
Yes
Min Income Required
$1,100
4
Card Overall Rating
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Ongoing APR
11.40% - 21.40% Variable
Annual Fee
$35

How to Maximize Your Savings if You Have Good or Excellent Credit

Enjoy Traveling for Miles and Points

You've worked hard to reach high credit scores and now it's time to reap rewards. With good or excellent credit, you can easily get approved for a travel rewards credit card that has a big sign-up bonus and ongoing points or miles rewards. A sign-up bonus can be enough for an award domestic flight, and ongoing rewards will help you earn miles or points towards future free flights. Thus, you will be able to save on your domestic or international travels. To maximize your rewards, try not to carry a balance on your rewards credit cards. Interest can easily eat your rewards, so try to pay off your balances each month.

Rack Up Cashback Rewards

The most straightforward and easy to understand rewards are cash back rewards. They are good when you want to save maximum as you can easily calculate your savings. You can choose to earn equal cash back rewards on all your purchases or you can choose a card with rotating categories that allow to earn additional cash back in specific categories. Plus, there are cards that allow to redeem cash back rewards for cash deposited straight to your bank account. So, you can choose them to be deposited to your savings account or any other account you have.

Transfer Your Balance and Pay It Off

It's not a secret that interest can eliminate the rewards you've earned in a blink of an eye. The interest rates on credit cards are much higher than rewards earing rates. So, if you find yourself struggling to pay off the card balance in full, consider transferring the unpaid balance to a 0% APR credit card. Balance transfer will allow you some time to pay off your debt in full at no interest, which will help you keep your rewards intact and therefore maximize your savings. Your new balance transfer credit card may also offer rewards on purchases, but we would advise you not to use it for purchases until the transferred balance is paid off.

Head for Big Purchases with 0% Intro APR Cards

If you are planning a big purchase which you won't be able to pay off right away and therefore planning to put it on a credit card, get a 0% intro APR credit card. There are a lot of offers with 0% intro APR on purchases for people with fair to excellent credit. The zero promo period may be between 6 months and up to two years. You can choose the promo period which is more comfortable for you to pay off your purchase. Just calculate your monthly payments to make sure you will be able to pay off by the end of the 0% interest period. Remember, when the promo APR ends, an ongoing interest rate starts.

NOT SURE WHICH CARD TO CHOOSE?

Ask Our Experts or Read the Credit Card FAQs

If you don't want any fees, get a Discover It Miles credit card. It has no annual fee, and it has a long 0% intro APR period – 14 months on purchases. Not only you won’t have any fees, but more than a year of no interest as well. Discover lets...
With an excellent credit score the process of choosing a card is fast and easy, everything is available to you. The best options for you is to pick a 0% intro APR card. These card allow you to pay for dental works over time, during a period of up to...
We do not offer call service for the time being but you can always write us and ask your question.Meanwhile, as you are interested in balance transfer offers, let me tell you some general aspects that may be useful to you. First and the most...
Haven't Found an Answer to Your Question?