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Advertiser Disclosure: The 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.

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24.90%

Intro APR: N/A

$35 - $99

N/A


Apply

on Genesis FS Card Services‘ website

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®

13.99% - 24.99% Variable

Intro APR: 0% on Purchases and Balance Transfers for 14 months

$0

5% Cash Back on Rotating Categories

5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

13.99% - 24.99% 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
Credit Report from Experian
Want more?

View your free Credit Report from Experian anytime to understand how you might look to a lender.

Sign up for free
No credit card required

25.99% Variable

Intro APR: N/A

$29

N/A


Apply

on Avant‘s website

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

14.99% - 25.99% Variable

Intro APR: N/A

$0

1 - 1.5% Cash Back on All Purchases

Up to 1.5% cash back after making 12 on-time payments. 1% cash back on all purchases - right away.


Apply

on Petal‘s website

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Balance Transfer

N/A

Credit Range

Excellent, Fair, Good, Very Good

Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on purchases right away.
No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
Build credit alongside tens of thousands of Petal Card members
Cash flow technology can help applicants without credit history get approved
$500 - $10,000 credit limits
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
See if you're pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, member FDIC
See additional details for Petal Cash Back Visa® Card

16.74% - 25.74% (Variable)

Intro APR: N/A

$0 intro for first year; $95 after that

4% Cash Back on Dining & Entertainment

4% Cash Back on dining, 4% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

2% Cash Back on Grocery Stores
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$300

Earn $300 after you spend $3000 on purchases within the first 3 months from account opening


Apply

on Capital One‘s website

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

13.99% - 24.99% Variable

Intro APR: 0% on Purchases and Balance Transfers for 14 months

$0

5% Cash Back on Rotating Categories

5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

13.99% - 24.99% 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®

17.49%-26.49% Variable

Intro APR: N/A

$95

3x Points on All Purchases

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card


Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

17.49%-26.49% Variable

Credit Range

Excellent, Good, Very Good

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on 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.

11.90% - 27.90% Variable

Intro APR: N/A

$0

3x Points on Dining

Earn 3x points on dining, 2x points on gas and groceries, and 1x points on all other purchases

2x Points on Gas
1x Points on All Other Purchases
Intro Bonus Worth:
$25

Get 2,500 bonus points with your first purchase


Apply

on USAA‘s website

View Details
Military Affiliation Required
Rates and Fees

Balance Transfer

11.90% - 27.90% 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

17.49%-26.49% Variable

Intro APR: N/A

$0

2x Miles on Dining & Travel

Earn 2 miles per dollar spent on purchases made directly with Delta and at US restaurants. Earn 1 mile on every eligible dollar spent on purchases.

1x Miles on All Other Purchases

Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

17.49%-26.49% 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.

24.49%* (Variable)

Intro APR: N/A

$0

N/A


Apply

on Citi Credit Cards‘ website

View Details

Balance Transfer

24.49%* (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®

17.99% - 25.24% (Variable)

Intro APR: N/A

$0 intro for first year; $95 after that

2x Miles on All Purchases

2x Miles per dollar on every purchase, every day


Apply

on Capital One‘s website

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

19.64% Variable

Intro APR: N/A

$35

N/A


Apply

on Capital Bank N.A.‘s website

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

25.99% (Variable)

Intro APR: 0% for 9 months on Purchases and Balance Transfers*

$0

2% Cash Back

Earn Cash Back TWICE! Earn 1% on purchases and an additional 1% as you pay for those purchases


Apply

on Citi Credit Cards‘ website

View Details

Balance Transfer

25.99% (Variable)

Credit Range

Good

Intro Offer: 0% Intro APR for 9 months on Purchases and Balance Transfers, after that the variable APR will be 25.99%.
Balance transfers do not earn cash back.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 25.99% based on your creditworthiness.*
Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
See additional details for Citi® Double Cash Card

26.24% Variable

Intro APR: N/A

$39

1% Cash Back

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.


Apply

on Credit One Bank‘s website

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 terms*

Intro APR: N/A

See terms*

N/A


Apply

on The Bank of Missouri‘s website

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

13.99% - 24.99% Variable

Intro APR: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

$0

5% Cash Back on Rotating Categories

5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

13.99% - 24.99% 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

13.99% - 24.99% Variable

Intro APR: 0% on Purchases and Balance Transfers for 14 months

$0

2% Cash Back on Gas Stations & Dining

2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

13.99% - 24.99% 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

26.99% (Variable)

Intro APR: N/A

$0

N/A


Apply

on Capital One‘s website

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®

16.99% - 25.74% Variable

Intro APR: 0% on Purchases and Balance Transfers for 15 months

$0

5% Cash Back on Rotating Categories

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.

1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

$150 after purchases of $500 within first 3 months


Apply

on Chase‘s website

View Details

Balance Transfer

16.99% - 25.74% 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 16.99% - 25.74%
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®

16.99% - 25.74% Variable

Intro APR: 0% on Purchases and Balance Transfers for 15 months

$0

1.5% Cash Back on All Purchases

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.


Apply

on Chase‘s website

View Details

Balance Transfer

16.99% - 25.74% 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 16.99% - 25.74%. 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®

13.90% - 27.90% Variable

Intro APR: N/A

$0

5% Cash Back on Gas

Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined and 2% cash back on your first $3,000 on supermarket purchases per year

2% Cash Back on Groceries
1% Cash Back on All Other Purchases

Apply

on USAA‘s website

View Details
Military Affiliation Required
Rates and Fees

Balance Transfer

13.90% - 27.90% 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

14.74%

Intro APR: N/A

$39

N/A


Apply

on First Progress‘ website

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

20.24% - 26.24% Variable

Intro APR: N/A

$0 - $99

1% Cash Back

Apply

on Credit One Bank‘s website

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

17.99% - 24.99% Variable

Intro APR: N/A

$95

2x Points on Dining & Travel

2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases

1x Points on All Other Purchases
Intro Bonus Worth:
$750

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®.


Apply

on Chase‘s website

View Details

Balance Transfer

17.99% - 24.99% 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
No foreign transaction fees
See additional details for Chase Sapphire Preferred® Card

See Rates & Fees

Intro APR: N/A

$250

4x Points on Dining

Earn 4X Membership Rewards® pts at U.S. restaurants and U.S. supermarkets (up to $25K/year in purchases, then 1X), 3X Membership Rewards® pts on flights booked directly w/airlines or on amextravel.com

3x Points on Travel

Apply

on American Express‘ website

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

20.74%

Intro APR: N/A

$29

N/A


Apply

on First Progress‘ website

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

26.96% (Variable)

Intro APR: N/A

$39

1.5% Cash Back on All Purchases

1.5% Cash Back on every purchase, every day


Apply

on Capital One‘s website

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

N/A

Intro APR: N/A

$550

5x Points on Travel

5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel


Apply

on American Express‘ website

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 Terms*

Intro APR: N/A

See Terms*

N/A


Apply

on First Access‘ website

View Details

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

11.90% - 27.90% Variable

Intro APR: N/A

$0

2x Points on Gas

Earn 2x points per dollar for dining and gas, and 1x points on all other purchases

1x Points on All Other Purchases
Intro Bonus Worth:
$25

Get 2,500 bonus points with your first purchase


Apply

on USAA‘s website

View Details
Military Affiliation Required
Rates and Fees

Balance Transfer

11.90% - 27.90% 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

13.90% - 27.90% Variable

Intro APR: N/A

$0

1.5% Cash Back on All Purchases

Earn 1.5% cash back on every purchase with no limits or category restrictions


Apply

on USAA‘s website

View Details
Military Affiliation Required
Rates and Fees

Balance Transfer

13.90% - 27.90% 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

17.49%-26.49% Variable

Intro APR: N/A

$0

3x Points on All Purchases

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card


Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

17.49%-26.49% Variable

Credit Range

Excellent, Good, Very Good

Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 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 Honors portfolio of brands.
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

26.96% (Variable)

Intro APR: N/A

$0

N/A


Apply

on Capital One‘s website

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

14.74%-25.74% Variable

Intro APR: 0% on Purchases and Balance Transfers for 15 months

$0

3% Cash Back on U.S. Supermarkets

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 1% cash back on other purchases

2% Cash Back on Gas
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Earn $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.


Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

14.74%-25.74% 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 14.74% to 25.74%.
Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 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.

24.90%

Intro APR: N/A

$35 - $99

N/A


Apply

on Genesis FS Card Services‘ website

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®

14.99% - 23.99% Variable

Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months

$0

2% Cash Back on Gas Stations & Dining

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

14.99% - 23.99% 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 14.99% - 23.99%.
See additional details for Discover it® Student chrome

16.24% - 26.24% (Variable)

Intro APR: 0% on Purchases and Balance Transfers for 15 months

$0

1.5% Cash Back on All Purchases

1.5% Cash Back on every purchase, every day

Intro Bonus Worth:
$150

Earn $150 after you spend $500 on purchases within 3 months from account opening


Apply

on Capital One‘s website

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

24.90%

Intro APR: N/A

$0 - $99

N/A


Apply

on Genesis FS Card Services‘ website

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®

13.99% - 24.99% Variable

Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 14 months

$0

1.5x Miles on All Purchases

Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.


Apply

on Discover‘s website

View Details

Balance Transfer

13.99% - 24.99% Variable

Credit Range

Excellent, Good, Very Good

UNLIMITED BONUS: 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! The more you earn, the more you get.
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
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

16.24% - 26.24% (Variable)

Intro APR: 0% on Purchases and Balance Transfers for 15 months

$0

3% Cash Back on Dining & Entertainment

3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases

2% Cash Back on Grocery Stores
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Earn $150 after you spend $500 on purchases within 3 months from account opening


Apply

on Capital One‘s website

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

10.74%

Intro APR: N/A

$49

N/A


Apply

on First Progress‘ website

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

15.99%– 25.99% (Variable)

Intro APR: 0% for 18 months on Balance Transfers*

$0

2% Cash Back

Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases


Apply

on Citi Credit Cards‘ website

View Details

Balance Transfer

15.99%– 25.99% (Variable)

Credit Range

Excellent, Good, Very Good

Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
Balance Transfers do not earn cash back.
The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*

14.74%-25.74% Variable

Intro APR: 0% on Purchases and Balance Transfers for 12 months

$95

6% Cash Back on U.S. Supermarkets

6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back at US gas stations and 1% Cash Back on other purchases

3% Cash Back on Gas
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$250

Earn $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.


Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

14.74%-25.74% 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.
Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
$95 annual fee.
Terms Apply.

17.49%-26.49% Variable

Intro APR: N/A

$0 introductory annual fee for the first year, then $95.

2x Miles on Travel

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.

1x Miles on All Other Purchases

Apply

on American Express‘ website

View Details
Terms Apply
Rates and Fees

Balance Transfer

17.49%-26.49% 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 other 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.

24.90%

Intro APR: N/A

$0 - $99

N/A


Apply

on Genesis FS Card Services‘ website

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®

14.24% - 24.24% (Variable)

Intro APR: 0% on Purchases for 12 months

$0

1.25x Miles on All Purchases

1.25x Miles per dollar on every purchase, every day


Apply

on Capital One‘s website

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

8.90% - 25.90% Variable

Intro APR: N/A

$0


Apply

on USAA‘s website

View Details
Military Affiliation Required
Rates and Fees

Balance Transfer

8.90% - 25.90% 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

24.99% Variable

Intro APR: 10.99% on Balance Transfers for 6 months

$0

2% Cash Back on Gas Stations & Dining

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

24.99% Variable

Credit Range

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 of at least $200 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

29.99%

Intro APR: N/A

See issuer website*

N/A


Apply

on Fingerhut‘s website

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

16.74% - 26.74%* (Variable)

Intro APR: 0%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*

$0*

N/A


Apply

on Citi Credit Cards‘ website

View Details

Balance Transfer

16.74% - 26.74%* (Variable)

Credit Range

Excellent, Good, Very Good

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 16.74% - 26.74%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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

14.99% - 23.99% Variable

Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months

$0

5% Cash Back on Rotating Categories

5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.

1% Cash Back on All Other Purchases

Apply

on Discover‘s website

View Details

Balance Transfer

14.99% - 23.99% 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 14.99% - 23.99%.
See additional details for Discover it® Student Cash Back

19.45% (Variable)

Intro APR: N/A

$36

N/A


Apply

on Merrick Bank‘s website

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

24.99% Variable

Intro APR: N/A

$0

N/A


Apply

on Deserve‘s website

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
No annual fee
Get personalized tips on how to build a better credit score
Includes Mastercard Platinum Benefits like Travel Assistance, ID Theft Protection, and Extended Warranty
Complimentary cellphone insurance up to $600
Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you’ll get a $45 statement credit from March 1st 2019 through November 28th 2019.
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

26.96% (Variable)

Intro APR: N/A

$0

1% Cash Back on All Purchases

1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time

0.25% Cash Back

Apply

on Capital One‘s website

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

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.

Rewards credit card basics

Rewards credit card categories

Common rewards categories include groceries, gas, and dining. Some issuers rotate categories, giving higher reward percentages during different periods within a year. Others may even allow you to choose your own categories. This can be advantageous if you know you have a big purchase coming up, such as buying new furniture.

What to look for in a rewards credit card

With so many credit card choices available, finding the best credit card for you has become increasingly difficult. When selecting a rewards cards, maximizing rewards can be more than identifying where you like to spend most, such as whether you prefer discounts on merchandise, cash back, or a rewards system to help you save for a vacation. The terms and conditions should also be considered when qualifying for rewards. There could be a minimum number of transactions or amounts required, there could be sign-up bonuses, and there could be caps on qualifying purchases. There may also be other restrictions on how and when you can redeem rewards. Even the APR could be a factor, because you would want to avoid paying more in fees and charges than the reward amounts you receive.

Types of credit card rewards

Understanding the benefits of a rewards credit card can help you decide which is right for you. Generally, rewards credit cards are based on common spending habits.

  • Cash back rewards: For purchases made, cash back is a percentage of the purchase that is refunded back to you. Typically, it can range from 1 to 5 percent, and can vary depending on the category of purchase. For example, you could receive 3% on gas, 2% back on groceries, and 1% everywhere else. And, with some issuers, categories can also rotate over time, and qualifying purchases could also be capped at set amounts.
  • Travel rewards: Travel is one of the more popular categories where points are rewarded for qualifying purchases. Rewards can be redeemed for a set amount of points, and can be used to for flights, hotel rooms, discounts on dining, and rental car savings. Depending on the issuer, limitations could vary, such as which airline carriers points can be redeemed with.
  • Retail rewards: There are generally two types of retail reward cards. The first, also known as store credit cards are typically restricted to a specific retailer, where some may offer redeemable points, and some may offer discounts that are not available through other payment options. Other retail cards include those that are issued by a bank, where points can be earned from multiple brands, but typically with higher rewards for specific brands.
  • Gas rewards: Similar to retail rewards, gas rewards can be either brand specific or more general. The rewards are typically rebates on qualified purchases at gas stations or cash back for those purchases. Some brands will also offer discounts when purchasing from them.

Know more before you apply

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