Credit cards for fair credit from our partners
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Rewards
Features
Issuers
View Details
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
Use your tax refund as the refundable deposit for a new Secured MasterCard account today!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Apply to Start the Process!
No Credit History or Minimum Credit Score Required for Approval
See additional details for Platinum Elite Mastercard Secured Credit Card
26.96% (Variable)
Intro APR: N/A
$39
1.5% Cash Back on All Purchases
View Details
Balance Transfer
26.96% (Variable)
Credit Range
Fair
Earn unlimited 1.5% cash back on every purchase, every day
Earn cash rewards without signing up for rotating categories
Get access to a higher credit line after making your first 5 monthly payments on time
Monitor your credit profile with the CreditWise® app, free for everyone
$0 fraud liability if your card is ever lost or stolen
No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Help strengthen your credit for the future with responsible card use
Get customized alerts and manage your account with the Capital One mobile app
See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card
Not sure which credit cards you qualify for?
Let us match you to personalized credit offers. Get started with your free FICO® Score.
14.24% - 25.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
2% Cash Back on Gas Stations & Dining
1% Cash Back on All Other Purchases
View Details
Balance Transfer
14.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 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.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See additional details for Discover it® chrome
View Details
Balance Transfer
N/A
Credit Range
Fair, Good
Less than perfect credit is okay
No security deposit needed
Account history is reported to the three major credit bureaus in the U.S.
Simple and fast application process
Fraud protection for stolen or lost cards
Select your own style of card design at no extra charge
See additional details for Indigo® Platinum Mastercard®
18.24% - 26.24%* (Variable)
Intro APR: N/A
$99, waived for first 12 months*
2x Miles on Gas Stations & Dining
View Details
Balance Transfer
18.24% - 26.24%* (Variable)
Credit Range
Excellent, Good, Very Good
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
Earn 2 AAdvantage® miles for every $1 spent at gas stations*
Earn 2 AAdvantage® miles for every $1 spent at restaurants*
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
No Foreign Transaction Fees*
First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
Enjoy preferred boarding on American Airlines flights*
Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
See additional details for Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
17.99%-26.99% Variable
Intro APR: N/A
$0 introductory annual fee for the first year, then $95.
2x Miles on Travel
1x Miles on All Other Purchases
View Details
Terms Apply
Rates and Fees Balance Transfer
17.99%-26.99% Variable
Credit Range
Excellent, Good, Very Good
Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on purchases.
Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
Settle into your seat sooner with Main Cabin 1 Priority Boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.
Terms Apply.
See additional details for Gold Delta SkyMiles® Credit Card from American Express
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Balance Transfer
N/A
Credit Range
Fair, Good, Poor
Checking account required for approval
Perfect credit not required for approval!
If approved, simply pay program fee to open account and access credit line!
Easy and secure online application
Get a result in as little as 60 seconds upon completion of application
Get the security and convenience of a full-feature VISA® Credit Card that reports to all three major credit bureaus!
See additional details for First Access VISA® Credit Card
16.74% - 25.74% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
4% Cash Back on Dining & Entertainment
2% Cash Back on Grocery Stores
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$300
$300
View Details
Balance Transfer
16.74% - 25.74% (Variable)
Credit Range
Excellent, Good, Very Good
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
No foreign transaction fees
Capital One cardholders get access to premium experiences in dining, entertainment and more
$0 intro annual fee for the first year, $95 after that
See additional details for Capital One® Savor® Cash Rewards Credit Card
17.24% Variable
Intro APR: 0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
$195
2% Cash Back on Airfare Redemption
1% Cash Back on All Other Purchases
View Details
Balance Transfer
17.24% Variable
Credit Range
Excellent, Very Good
Unique Brushed Stainless Steel – Patented Card Design
1% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
See additional details for Luxury Card™ Mastercard® Titanium Card™
15.24% - 24.24% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
View Details
Balance Transfer
15.24% - 24.24% Variable
Credit Range
Fair
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more 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.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
See additional details for Discover it® Student Cash Back
17.99%-26.99% Variable
Intro APR: N/A
$95
3x Points on All Purchases
View Details
Terms Apply
Rates and Fees Balance Transfer
17.99%-26.99% Variable
Credit Range
Excellent, Good, Very Good
Earn 130,000 Hilton Honors Bonus Points and a free weekend night reward after you spend $4,000 in purchases on the Card within your first 4 months of Card membership.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.
See additional details for Hilton Honors American Express Surpass® Card
14.24% - 25.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
View Details
Balance Transfer
14.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more 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.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See additional details for Discover it® Cash Back
17.99%-26.99% Variable
Intro APR: N/A
$0
2x Miles on Travel
2x Miles on Dining
1x Miles on All Other Purchases
View Details
Terms Apply
Rates and Fees Balance Transfer
17.99%-26.99% Variable
Credit Range
Excellent, Good, Very Good
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
No Annual Fee.
Earn 2 miles per dollar at US restaurants.
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
Terms Apply.
See additional details for Blue Delta SkyMiles® Credit Card from American Express
14.24% - 24.24% (Variable)
Intro APR: 0% on Purchases for 12 months
$0
1.25x Miles on All Purchases
View Details
Balance Transfer
14.24% - 24.24% (Variable)
Credit Range
Excellent, Good, Very Good
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Earn 1.25X miles on every purchase, every day
Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Transfer your miles to over 12 leading travel loyalty programs
Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won't expire for the life of the account and there's no limit to how many you can earn
See additional details for Capital One® VentureOne® Rewards Credit Card
View Details
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
Use your tax refund as the refundable deposit for a new Secured MasterCard account today!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Apply to Start the Process!
No Credit History or Minimum Credit Score Required for Approval
See additional details for Platinum Prestige Mastercard Secured Credit Card
12.15% - 28.15% Variable
Intro APR: N/A
$0
2x Points on Dining & Gas
1x Points on All Other Purchases
Intro Bonus Worth:
$25
$25
View Details
Military Affiliation Required
Rates and Fees Balance Transfer
12.15% - 28.15% Variable
Credit Range
Excellent, Good, Very Good
Earn 2X points per dollar spent on gas and dining with no cap
Earn 1X points for every dollar spent on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more.
USAA membership is available to active and former military and their eligible family members
See additional details for USAA® Rewards™ Visa Signature® Card
25.24% Variable
Intro APR: 10.99% on Balance Transfers for 6 months
$0
2% Cash Back on Gas Stations & Dining
1% Cash Back on All Other Purchases
View Details
Balance Transfer
25.24% Variable
Credit Range
Fair, Poor
No Annual Fee, earn cash back, and build your credit with responsible use.
It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
See additional details for Discover it® Secured
View Details
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
Use your tax refund as the refundable deposit for a new Secured MasterCard account today!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Apply to Start the Process!
No Credit History or Minimum Credit Score Required for Approval
See additional details for Platinum Select Mastercard Secured Credit Card
View Details
Balance Transfer
26.99% (Variable)
Credit Range
Poor
No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide
See additional details for Capital One® Secured Mastercard®
View Details
Balance Transfer
N/A
Credit Range
Fair, Good
Pre-qualifying today will not affect your credit score
Mobile account access at any time
Choice of card image at no extra charge
Fraud protection for stolen or lost cards
Don't have perfect credit? No problem!
Our prequalification does not affect your credit score
All credit histories considered
See additional details for Milestone® Gold Mastercard®
14.24% - 25.24% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 14 months
$0
1.5x Miles on All Purchases
View Details
Balance Transfer
14.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel!
Earn unlimited 1.5x Miles for every dollar spent on all purchases all 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.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
See additional details for Discover it® Miles
View Details
Military Affiliation Required
Rates and Fees Balance Transfer
9.15% - 26.15% Variable
Credit Range
Excellent, Good, Very Good
Enjoy USAA's lowest rate card
No annual fee, no foreign transaction fees, no penalty APR
USAA membership is available to active and former military and their eligible family members
See additional details for USAA® Rate Advantage Visa Platinum® Card
14.24% - 25.24% Variable
Intro APR: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
$0
5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
View Details
Balance Transfer
14.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more 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.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See additional details for Discover it® Balance Transfer
View Details
Terms Apply
Rates and Fees Balance Transfer
N/A
Credit Range
Excellent, Good, Very Good
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.
See additional details for The Platinum Card® from American Express
17.24% Variable
Intro APR: 0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
$995
2% Cash Back on Airfare Redemptions
2% Cash Back on All Other Purchases
View Details
Balance Transfer
17.24% Variable
Credit Range
Excellent, Very Good
24K-Gold-Plated – Patented Card Design
2% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
$200 Annual Airline Credit Toward Qualifying Purchases
Global Entry & TSA Pre✓® Application Credit
VIP Airport Lounge Access with Priority Pass™ Select
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
See additional details for Luxury Card™ Mastercard® Gold Card™
14.15% - 28.15% Variable
Intro APR: N/A
$0
5% Cash Back on Gas
2% Cash Back on Groceries
1% Cash Back on All Other Purchases
View Details
Military Affiliation Required
Rates and Fees Balance Transfer
14.15% - 28.15% Variable
Credit Range
Excellent, Good, Very Good
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
USAA membership is available to active and former military and their eligible family members
See additional details for USAA® Cashback Rewards Plus American Express® Card
17.74% - 27.24% (Variable)
Intro APR: 0% for 18 months on Purchases and qualifying Balance Transfers
$0
N/A
View Details
Balance Transfer
17.74% - 27.24% (Variable)
Credit Range
Excellent, Good, Very Good
Apply and take control of your credit health with Wells Fargo's longest intro APR
$0 Annual Fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
Easy access to your FICO® Credit Score with Wells Fargo Online®
Zero Liability protection for promptly reported unauthorized transactions
Convenient tools to help create a budget and manage your spending with My Money Map
Select "Apply Now" to learn more about the product features, terms and conditions
See additional details for Wells Fargo Platinum card
View Details
Balance Transfer
N/A
Credit Range
Poor, Fair, Good
No deposit required
See additional details for Avant Credit Card (CRM Deployment Date: 8/14/19)
26.96% (Variable)
Intro APR: N/A
$0
1% Cash Back on All Purchases
0.25% Cash Back
View Details
Balance Transfer
26.96% (Variable)
Credit Range
Fair
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Enjoy no annual fee and no foreign transaction fees
Get a head start and build your credit with responsible use
Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
Pick the monthly due date that works best for you
Get access to a higher credit line after making your first 5 monthly payments on time
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise® app, free for everyone
See additional details for Journey® Student Rewards from Capital One®
16.24% - 26.24% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back on Dining & Entertainment
2% Cash Back on Grocery Stores
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150
$150
View Details
Balance Transfer
16.24% - 26.24% (Variable)
Credit Range
Excellent, Good, Very Good
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
See additional details for Capital One® SavorOne℠ Cash Rewards Credit Card
View Details
Balance Transfer
24.74%* (Variable)
Credit Range
Good
The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
Use your card anywhere Mastercard® is accepted — worldwide.
A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
Get help staying on track with Auto Pay and account alerts.
With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
Manage your account 24/7 online, by phone, or in our mobile app.
See additional details for Citi® Secured Mastercard®
12.15% - 28.15% Variable
Intro APR: N/A
$0
3x Points on Dining
2x Points on Gas & Groceries
1x Points on All Other Purchases
Intro Bonus Worth:
$25
$25
View Details
Military Affiliation Required
Rates and Fees Balance Transfer
12.15% - 28.15% Variable
Credit Range
Excellent, Good, Very Good
Earn 3X points per dollar spent on dining
Earn 2X points per dollar spent on gas and groceries
Earn 1X points for every dollar spent on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more.
USAA membership is available to active and former military and their eligible family members
See additional details for USAA® Rewards™ American Express® Card
View Details
Balance Transfer
26.96% (Variable)
Credit Range
Fair
Pay no annual fee
Get access to a higher credit line after making your first 5 monthly payments on time
Fraud coverage if your card is lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Get access to your account 24 hours a day, 7 days a week
Help strengthen your credit for the future with responsible card use
See additional details for Capital One® Platinum Credit Card
View Details
Balance Transfer
N/A
Credit Range
Fair, Good
Start building credit now (for people with No/Limited Credit)
No security deposit or co-signer required
No foreign transaction fees
Cellphone protection up to $600 when you pay your monthly phone bill with your Deserve Mastercard
Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
Get personalized tips on how to build a better credit score
No Annual Fee
Lemonade Insurance Rebate: Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit.
Feather - Furniture Rental: Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
See additional details for Deserve® Classic
17.24% - 25.99% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
1.5% Cash Back on All Purchases
View Details
Balance Transfer
17.24% - 25.99% Variable
Credit Range
Excellent, Good, Very Good
New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24 - 25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
No minimum to redeem for cash back
Cash Back rewards do not expire as long as your account is open
Free credit score, updated weekly with Credit Journey℠
No annual fee
See additional details for Chase Freedom Unlimited®
View Details
Balance Transfer
N/A
Credit Range
Poor
Less than perfect credit is okay
No security deposit needed
Account history is reported to the three major credit bureaus in the U.S.
Simple and fast application process
Fraud protection for stolen or lost cards
Select your own style of card design at no extra charge
See additional details for Indigo® Platinum Mastercard®
15.24%-26.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 12 months
$95
6% Cash Back on U.S. Supermarkets
3% Cash Back on Gas
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$250
$250
View Details
Terms Apply
Rates and Fees Balance Transfer
15.24%-26.24% Variable
Credit Range
Excellent, Good, Very Good
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
NEW 6% Cash Back on select U.S. streaming subscriptions.
NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
$95 annual fee.
Terms Apply.
See additional details for Blue Cash Preferred® Card from American Express
View Details
Balance Transfer
N/A
Credit Range
Poor
Pre-qualifying today will not affect your credit score
Mobile account access at any time
Choice of card image at no extra charge
Fraud protection for stolen or lost cards
Don't have perfect credit? No problem!
Our prequalification does not affect your credit score
All credit histories considered
See additional details for Milestone® Gold Mastercard®
15.24% - 24.24% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
2% Cash Back on Gas Stations & Dining
1% Cash Back on All Other Purchases
View Details
Balance Transfer
15.24% - 24.24% Variable
Credit Range
Fair
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 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.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
See additional details for Discover it® Student chrome
15.24%-26.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back on U.S. Supermarkets
2% Cash Back on Gas
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150
$150
View Details
Terms Apply
Rates and Fees Balance Transfer
15.24%-26.24% Variable
Credit Range
Excellent, Good, Very Good
Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
No annual fee.
Terms Apply.
See additional details for Blue Cash Everyday® Card from American Express
18.24% - 25.24% Variable
Intro APR: N/A
$95
2x Points on Dining
2x Points on Travel
1x Points on All Other Purchases
Intro Bonus Worth:
$750
$750
View Details
Balance Transfer
18.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
See additional details for Chase Sapphire Preferred® Card
17.99% - 25.24% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
2x Miles on All Purchases
View Details
Balance Transfer
17.99% - 25.24% (Variable)
Credit Range
Excellent, Good, Very Good
Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Named ‘The Best Travel Card' by CNBC, 2018
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
Miles won't expire for the life of the account and there's no limit to how many you can earn
No foreign transaction fees
$0 intro annual fee for the first year; $95 after that
See additional details for Capital One® Venture® Rewards Credit Card
14.24% - 25.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
View Details
Balance Transfer
14.24% - 25.24% Variable
Credit Range
Excellent, Good, Very Good
Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See additional details for NHL® Discover it®
View Details
Balance Transfer
N/A
Credit Range
Fair, Poor
Easy application! Get a credit decision in seconds.
Build your credit history - Fingerhut reports to all 3 major credit bureaus
Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Not an access card
See additional details for Fingerhut Advantage Credit Account issued by WebBank
View Details
Balance Transfer
N/A
Credit Range
Poor
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
The refundable¹ 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
¹View our Cardholder Agreement located at the bottom of the application page for details of the card
See additional details for The OpenSky® Secured Visa® Credit Card
20.24% - 26.24% Variable
Intro APR: N/A
$0 - $99
1% Cash Back
View Details
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
Receive 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore. Terms apply.
No need to fret—you’re covered by $0 Fraud Liability
Looking for more credit? Credit One Bank reviews accounts for credit line increase opportunities automatically.
Choose your monthly payment due date for added convenience, terms apply
Monitor your credit with free online access to your Experian credit score, terms apply
Looking to rebuild credit? We report to the major credit bureaus monthly.
Never miss an account update with customizable text and email alerts
See additional details for Official NASCAR® Credit Card from Credit One Bank®
17.24% Variable
Intro APR: 0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
$495
2% Cash Back on Airfare Redemption
1.5% Cash Back on All Other Purchases
View Details
Balance Transfer
17.24% Variable
Credit Range
Excellent, Very Good
Unique Stainless Steel – Patented Card Design
1.5% Value for Cash Back Redemptions
2% Value for Airfare Redemptions
24/7 Luxury Card Concierge™
$100 Annual Airline Credit Toward Qualifying Purchases
Global Entry & TSA Pre✓® Application Credit
VIP Airport Lounge Access with Priority Pass™ Select
Luxury Card Travel Rates & Benefits
Members-Only LUXURY MAGAZINE
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
See additional details for Luxury Card™ Mastercard® Black Card™
View Details
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
No deposit required
Reports to all three major credit bureaus
No hidden fees
We may periodically review your account for credit line increases
Fast and easy application process
Help strengthen your credit history with responsible use
Zero fraud liability for unauthorized charges
Conveniently pay your card through our online portal, 24/7
Avant branded credit products are issued by WebBank, member FDIC
Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee: 3%, Min: $5.
See additional details for Avant Credit Card
16.99% - 26.99%* (Variable)
Intro APR: 0%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*
$0*
N/A
View Details
Balance Transfer
16.99% - 26.99%* (Variable)
Credit Range
Excellent, Good, Very Good
The only card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
The same great rate for all balances, after the introductory period
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
See additional details for Citi Simplicity® Card - No Late Fees Ever
16.24% - 28.24% (Variable)
Intro APR: 0% for 15 months on Purchases and qualifying Balance Transfers
$0
1.5% Cash Back on Purchases
Intro Bonus Worth:
$150
$150
View Details
Balance Transfer
16.24% - 28.24% (Variable)
Credit Range
Excellent, Good, Very Good
Earn a $150 cash rewards bonus after spending $500 in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms and conditions
See additional details for Wells Fargo Cash Wise Visa® Card
View Details
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
Automatically earn 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
Looking for more credit? Get credit line increase opportunities, a fee may apply
Choose your monthly payment due date for added convenience, terms apply
Track your progress with free online access to your Experian credit score, terms apply
Enjoy peace of mind with $0 Fraud Liability
Stay in-the-know with customizable account alerts via email and text
Access your account on-the-go with the Credit One Bank mobile app
See additional details for Credit One Bank® Cash Back Rewards Credit Card
See Rates & Fees
Intro APR: N/A
$250
4x Points on Dining
3x Points on Travel
View Details
Terms Apply
Rates and Fees Balance Transfer
N/A
Credit Range
Excellent, Good, Very Good
Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Choose to carry a balance with interest on eligible charges of $100 or more.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.
See additional details for American Express® Gold Card
View Details
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
Unsecured credit line increases - after the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.
Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.
Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line anytime with additional deposits.
Easy funding options - several convenient options to easily fund your security deposit.
Worldwide acceptance - use it anywhere Visa is accepted.
See additional details for Merrick Bank Secured Visa® Card
View Details
Balance Transfer
N/A
Credit Range
Fair, Poor
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 Program Fee to open your account and access your available credit
Reports monthly to all three major credit bureaus
No additional cost to choose from multiple card designs
See additional details for Total Visa® Unsecured Credit Card
18.24% - 26.24% (Variable)
Intro APR: N/A
$95
3x Points on Travel
2x Points on Dining
1x Points on All Other Purchases
View Details
Balance Transfer
18.24% - 26.24% (Variable)
Credit Range
Excellent
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 3 points per $1 spent on travel including gas stations
Earn 2 points per $1 spent at restaurants and on entertainment
Earn 1 point per $1 spent on all other purchases
60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
Points Transfer allows you to transfer points to participating airline loyalty programs
No Foreign Transaction Fees on purchases
See additional details for Citi Premier℠ Card
15.24%-26.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
1.5% Cash Back on All Purchases
Intro Bonus Worth:
$150
$150
View Details
Terms Apply
Rates and Fees Balance Transfer
15.24%-26.24% Variable
Credit Range
Excellent, Good, Very Good
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
$0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
No Annual Fee.
Terms Apply.
See additional details for American Express Cash Magnet® Card
14.15% - 28.15% Variable
Intro APR: N/A
$0
1.5% Cash Back on All Purchases
View Details
Military Affiliation Required
Rates and Fees Balance Transfer
14.15% - 28.15% Variable
Credit Range
Excellent, Good, Very Good
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
USAA membership is available to active and former military and their eligible family members
See additional details for USAA® Preferred Cash Rewards Visa Signature® Card
16.24% - 26.24% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
1.5% Cash Back on All Purchases
Intro Bonus Worth:
$150
$150
View Details
Balance Transfer
16.24% - 26.24% (Variable)
Credit Range
Excellent, Good, Very Good
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
17.99%-26.99% Variable
Intro APR: N/A
$0
3x Points on All Purchases
View Details
Terms Apply
Rates and Fees Balance Transfer
17.99%-26.99% Variable
Credit Range
Excellent, Good, Very Good
Earn 90,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
No Annual Fee.
Terms Apply.
See additional details for Hilton Honors American Express Card
17.24% - 25.99% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150
$150
View Details
Balance Transfer
17.24% - 25.99% Variable
Credit Range
Excellent, Good, Very Good
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
Unlimited 1% cash back on all other purchases – it’s automatic
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%
3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
No annual fee
Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back
Free credit score, updated weekly with Credit Journey℠
See additional details for Chase Freedom®
Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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Create and Match Now No thanks, I’ll apply now on the website.Credit cards for fair credit
What is considered fair credit?
A fair credit rating based on a FICO Score includes scores ranging from 580 to 669. Generally, applicants in this FICO Score range are considered to be subprime borrowers. Applicants within this FICO Score range may be offered higher interest rates or less ideal terms.
How to work on fair credit
When you check your FICO Score, it includes the positive and negative factors that are impacting your credit, such as too few accounts paid on time, short account histories, and other negative items. The score factors are ordered with the most severe at the top of the list. Once you have identified the things impacting your personal credit, you can work towards your goals for better credit.
Applying for and using credit cards
When applying for credit cards, it is important to understand what the actual cost to you will be when using the credit card. The things to take into consideration are not only the typical fees, such as an annual fee, and the APR, but additional service fees. You can find more information by reviewing a credit card’s terms and conditions. Credit cards are a very useful tool, and when used wisely, may help build your credit and increase your purchasing power.
Things to look for when you have fair credit
- Spending limits: Looking for a credit card with a smaller credit limit may be easier to qualify for, and could even limit the amount of possible misuse, such as excessive spending that could lead to burdening debt. By making small charges and paying off the balance every month, you can show your credit usage is responsible and reliable to would-be creditors down the road.
- Fees and APR: Paying attention to how much you are paying in interest and any fees will help you understand your total costs. And, knowing how much you are spending to use a credit card will help you maximize any rewards you may receive. If you had spent $500 on a cash back credit card with 1% rewards that had an average APR, and only paid the minimum payment of $15 when the bill was due, then the interest you pay for that month could be $8. In this example, the $5 cash back for spending the $500 would be wiped out and you would actually owe more because of the interest paid.
- Shopping for cards: Learn what is available for you based on your FICO Score and credit profile. Once you know what your options are, choose the best one that fits you and apply. Applying for multiple credit cards in a short period of time could hurt your credit, since each application can cause a hard inquiry on your credit report. It can also indicate a potential risk of a significant amount of new and sudden debt. And, with having multiple credit cards opened, there could be an ongoing risk of charging more than what you can repay. Applying for and using credit cards wisely can go a long way in helping you meet the credit goals you have.
Know more before you apply
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