Credit Cards Comparison - Find your credit card
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Capital One® Platinum Credit Card
In A Nutshell
Finding an unsecured credit card with average credit can be difficult, but the Capital One® Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.
Read review- Fair
What we like:
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Only average / fair / limited credit is required for approval
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Be automatically considered for a higher credit line in as little as 6 months
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No annual fee or foreign transaction fees
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
- 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 build your credit through responsible use of a card like this
Journey® Student Rewards from Capital One®
In A Nutshell
The Journey® Student Rewards from Capital One®is a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back another is that Capital One will automatically review your credit limit in as little as six months.
Read review- Fair
What we like:
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1% cash back on all purchases and pay on time to get a boost to 1.25% cash back
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Be automatically considered for a higher credit line in as little as 6 months
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No annual fee and no foreign transaction fees
- 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
- You can help build your credit with responsible use of a card like this
- 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
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
Capital One® QuicksilverOne® Cash Rewards Credit Card
In A Nutshell
If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One® QuicksilverOne® Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.
Read review- Fair
What we like:
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1.5% cash back on all purchases
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Be automatically considered for a higher credit line in as little as 6 months
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No foreign transaction fees and a modest $39 annual fee
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- 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
Capital One® Secured Mastercard®
In A Nutshell
Owning a secured credit card can be a necessary step in bring your credit profile out of the gutter and the Capital One® Secured Mastercard® is one of the strongest secured credit cards on the market today. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.
Read review- Poor
What we like:
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Start off with an initial credit line of $200 w/ a minimum deposit of $49, $99 or $200
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Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
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No annual fee and no foreign transaction fees
- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an ized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
Chase Sapphire Preferred® Card
In A Nutshell
The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 2x points on all travel and dining at restaurant purchases that you then can transfer to airline and hotel partners. And points are worth 25% more when you redeem travel through Chase Unlimited Rewards. That means that the killer 60,000 point sign-up bonus is worth $750 towards travel.
Read review- Excellent
What we like:
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A monster of an up-front bonus. 60,000 bonus points after spending $4,000 in the first three months
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2x points per dollar spent on all travel and dining at restaurants, worldwide
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Points are worth 25% more when you redeem travel through Chase Unlimited Rewards
- 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
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
In A Nutshell
Designed for consumers with modest credit histories, The Credit One Bank® Unsecured Visa® with Cash Back Rewards offers 1% cash rewards on eligible purchases, zero fraud liability and no annual fee. Terms Apply.
Read review- Poor
What we like:
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1% cash back on all eligible purchases
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No annual fee. Terms Apply
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No security deposit required; and your credit score is not affected when you pre-qualify
- See if you Pre-Qualify in less than 60 seconds–without affecting your credit score. It's fast, easy, and secure.
- Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
- This is a fully functional, unsecured credit card–not a debit card, prepaid card, or secured credit card with deposit requirements.
- Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unized charges.
- Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
- Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank's card gallery. A fee may apply.
Credit One Bank® Visa® Credit Card
In A Nutshell
The Credit One Bank® Visa® Credit Card is a credit card designed for people with poor credit who are looking for a way to make everyday purchases. 1% cash back is earned on all eligible purchases and Credit One will routinely monitor your account for credit line increases. For qualified applicants, there is no annual fee. Terms Apply.
Read review- Poor
What we like:
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Get 1% cash back rewards on eligible purchases
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Choose the credit card that fits your needs without it affecting your credit score
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Build your credit with responsible credit card use
- Find the card that's right for you without affecting your credit score.
- Show off your personality by selecting from a variety of card designs, a fee may apply.
- Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
- Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
- Don't get stuck with a payment date that doesn't work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
- Know you're protected from unized charges with Zero Fraud Liability—included with every Credit One Bank account.
Indigo® Platinum Mastercard®
In A Nutshell
The Indigo® Platinum Mastercard® offers consumers with poor credit the opportunity to use a credit card for everyday spending. Pre-qualification is quick and easy and if you have the credit profile needed, you might be able to secure a credit card with no annual fee. ($0 – $99 annual fee).
Read review- Poor/
- Fair
What we like:
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$0 – $99 annual fee
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Easy pre-qualification process
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Previous bankruptcy is OK
- Pre-qualification available with no impact to your credit score
- Previous bankruptcy OK
- Easy pre-qualification process with fast response
- Free online account access (mobile friendly)
- Protection from fraud, if your card happens to be lost or stolen
- Accepted at over 35 Million Locations Worldwide!
Milestone® Gold Mastercard®
In A Nutshell
If you have lousy credit and are looking for a way to build it back; the Milestone® Gold Mastercard® is a strong option. There’s a quick pre-qualification process with no impact to your credit score, modest interest rate and an annual fee of $35 – $99.
Read review- Poor/
- Fair
What we like:
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$35 – $99 annual fee
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Easy pre-qualification process
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Previous bankruptcy is OK
- Quick pre-qualification available with no impact to your credit score
- Easy pre-qualification process with fast response
- Choose your custom card design - Free
- Free online account access
- Protection from fraud, if your card happens to be lost or stolen
- Accepted at over 35 Million Locations Worldwide!
- Previous bankruptcy OK
Official NASCAR® Credit Card from Credit One Bank®
In A Nutshell
The Official NASCAR® Credit Card from Credit One Bank® was designed for racing fans with poor credit who want to show their NASCAR spirit by using this credit card to make everyday purchases. As an added benefit, you’ll earn 2% cash back on all NASCAR.com Superstore purchase without having to shell out an annual fee.
Read review- Poor
What we like:
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1% cash back rewards on all purchases
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Double cash back rewards at the NASCAR.com Superstore
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No annual fee. Terms Apply
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Get double cash back rewards at the NASCAR Shop. Terms Apply.
- Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
- Zero Fraud Liability ensures that your account is protected against unized charges.
- Accounts are automatically reviewed for credit line increase opportunities.
- Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at app德扑圈官方网址home or on-the-go.
- Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Credit One Bank® NASCAR® Visa® Credit Card
In A Nutshell
The Credit One Bank® NASCAR® Visa® Credit Card has one big selling point, and that’s to offer double cash back on all NASCAR.com purchases. The card has moderate features and rewards otherwise but it is nice to see that qualified applicants will not be charged an annual fee.
- Fair
What we like:
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1% cash back rewards on all purchases
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Double cash back at the NASCAR.com Superstore. Terms Apply
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No annual fee. Terms Apply
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Get double cash back rewards at the NASCAR Shop. Terms Apply.
- Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
- Zero Fraud Liability ensures that your account is protected against unized charges.
- Accounts are automatically reviewed for credit line increase opportunities.
- Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at app德扑圈官方网址home or on-the-go.
- Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
ABOC Platinum Rewards Card
In A Nutshell
If you’re looking for a general rewards credit card, the ABOC Platinum Rewards Mastercard offers an initial $150 statement credit after spending $1,200 on purchases within 90 days from account opening and 5x rewards on up to $1,500 in combined purchases each quarter. Plus the fact that they are now offering 0% interest on all of your new purchases for the first 12 months make this card super attractive.
Read reviewWhat we like:
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0% Intro APR for 12 months from account opening on purchases. After that, your APR will be based on your creditworthiness.
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Earn 5x rewards in popular categories such as travel, dining, groceries and automotive purchases on up to a total of $1,500 in combined purchases each quarter
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Earn a $150 statement credit after spending $1,200 on purchases on your card within the first 90 days from opening your account
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big reward
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No Annual Fee
- Select Your Rewards Your Way
Jasper Mastercard®
In A Nutshell
The Jasper Mastercard® is the premium US-based Mastercard with a high credit limit, and no annual fee,³ especially helpful to customers who are new to credit in the U.S., such as young adults who have recently started their professional lives and professionals who have recently relocated to the U.S. for work.
Read review- New to Credit
What we like:
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Helpful for young professionals in the U.S. who are new to credit and building credit from scratch
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No Social Security Number² required to apply if you are new to the US and in the country on a work visa
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No annual fee³, no security deposit, and no foreign transaction fees
- *Jasper Legal Disclosure:
- ² No SSN is required to apply for applicants who are new to the U.S. and are in the country on a work visa. SSN is required within 60 days of card activation. Card can only be activated from within the US.
- ³Review the Jasper fee schedule
Credit cards: Our best advice
Finding the best credit cards among thousands of available options can be intimidating, but Money Under 30 has you covered.
On this page, and throughout our credit card section, we’ve hand-picked some of the best credit cards from our partners. We also offer dozens of articles about shopping for a new credit card and using credit responsibly. If you’re new to credit cards—or need a refresher—don’t go any further until you read about how to use a credit card responsibly.
1. Know your credit score
Choosing the best credit card for your needs is a combination of finding offers that you will qualify for (based on your credit history, credit score, and income) and then finding a card with the features you need.
- Credit score requirements: What credit score do you need to be approved for a credit card?
- Find your score: Estimate your credit score with our free tool
- Credit limits: What will your credit limit be?
- Limited credit: How to find cards that will approve you with limited credit
- No credit: How to build credit for the first time
The best credit cards require good credit (those that offer cash back, travel rewards or an introductory 0 percent APR for 15 months or more). What does this mean? Generally, people with good credit have had credit cards and/or loans in their names for at least five years and have never missed a payment. Excellent credit requires seven years of more of responsible credit use.
If you’ve used credit responsibly for between two and five years or you’ve used credit longer but have made a late payment in the last year, your credit may be more in the “good” category but you may also want to review the “fair” category if you’ve been turned down for a credit card in the past.
If you’ve been turned down for credit cards recently or don’t have a lot of credit history, other categories offer a better chance of approval.
2. Determine what’s most important to you
One credit card isn’t going to have everything. The credit cards with the lowest APRs or longest 0 percent introductory interest rates won’t have rewards programs. Among rewards cards, the products with the highest ongoing rewards rates won’t have sign-up bonuses where you can snag $100 or more in bonus rewards within the first few months.
You can use a new credit card in two different ways:
- Earning rewards. You use the card for most daily purchases and then pay your bill in full every month. This lets you earn rewards without paying interest.
- Paying over time. You use credit cards to finance large purchases for the flexibility of making payments over time.
We can help you sort out the best cards depending on what you’re looking for.
If you pay your card in full each month and want to earn rewards
- Cash back: Compare the best cash rewards credit cards
- Cash back: A “5 percent rotating category card” like the Discover it® Cash Back or Chase Freedom® might still be your best bet.
- Travel: The best no annual fee travel rewards cards
- Travel: Traveling aboard? The best cards for international travel
- Sign-up bonuses: Earn $500 or more when you open a new card: The highest credit card sign-up bonuses
- Choosing a rewards card: Why it may not matter which rewards card you get
If you need to pay for new purchases or balance transfers over time
- New purchases: Get 0 percent intro APR for up to 15 months—the best credit cards for new purchases
- Balance transfers: Get out of debt faster with a balance transfer
- Balance transfers: What to expect when you transfer a balance
- Balance transfers: How much could you save? Use our balance transfer calculator
- Balance transfers: Can you make purchases on a balance transfer credit card? Some things to consider
Still undecided?
Get our overall picks for the best credit cards depending on your credit situation and what you’re looking for in a new card.