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BEST CREDIT CARD OFFERS FOR YOU

To get the best credit cards you need to have a good or excellent credit score. If your credit is good, you can get rewards as well as low interest rates. If you have excellent credit you will have the best options. The better your credit is, the better APR you will be given since variable rates are based on your creditworthiness. If your credit isn't perfect, you can still receive rewards. The best credit cards have the lowest interest rates and the best rewards.
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Best Credit Cards from Credit-Land.com Credit Recommended: Good

PURCHASES:

Intro APR on Purchases: 0% (up to 21 months)
Regular APR: See terms

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See terms
Balance Transfer Fee: See terms

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% (up to 21 months)
Regular APR: See terms
Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See terms
Balance Transfer Fee: See terms
Annual Fee: $0
Application Processing Fee: See terms

Best Credit Cards from Credit-Land.com Credit Recommended: Good

Card details:

Enjoy 0% Intro APR on Purchases and/or Balance Transfers; a variable go-to APR applies when the introductory period is over.There is a balance transfer fee.Earn rewards on all purchases. Show More
No Annual Fee.
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OpenSky® Plus Secured Visa® Credit Card Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 29.99% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 29.99% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0
Application Processing Fee: See terms

OpenSky® Plus Secured Visa® Credit Card Credit Recommended: Bad/No

Card details:

New feature! Earn up to 10% cash back on everyday purchasesNo annual feeNo credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Show More
Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 monthsMonitor your credit progress with free access to your FICO Credit Score.Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnionAdd to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google PaySecure your credit line with a refundable security deposit - as low as $300.Easy application, apply in less than 5 minutes right from your mobile deviceOffers flexible payment due dates which allow you to choose any available due date that fits your payment scheduleNow you can make smaller partial payments towards funding your security deposit over 60 daysOver 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
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Surge® Platinum Mastercard® Credit Recommended: Bad, Fair, Good, Excellent

PURCHASES:

Intro APR on Purchases: See website for Details*
Regular APR: 29.99% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: See website for Details*
Regular APR: N/A
Balance Transfer Fee: See website for Details*

FEES:

Annual Fee: $75 - $125, after that $99 - $125 annually
Application Processing Fee: See Terms*
Intro APR on Purchases: See website for Details*
Regular APR: 29.99% (Variable)
Intro APR on Balance Transfers: See website for Details*
Regular APR: N/A
Balance Transfer Fee: See website for Details*
Annual Fee: $75 - $125, after that $99 - $125 annually
Application Processing Fee: See Terms*

Surge® Platinum Mastercard® Credit Recommended: Bad, Fair, Good, Excellent

Card details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to apply!Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Show More
Initial Credit Limit of $300 – $1,000 (subject to available credit)Monthly reporting to the three major credit bureausSee if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsOnline account access 24/7Checking Account Required
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Group One Freedom Card Credit Recommended: Damaged/Fair

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 0.00%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms

FEES:

Annual Fee: See terms
Application Processing Fee: See website for Details*
Intro APR on Purchases: n/a
Regular APR: 0.00%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms
Annual Fee: See terms
Application Processing Fee: See website for Details*

Group One Freedom Card Credit Recommended: Damaged/Fair

Card details:

No Employment or Credit CheckBad Credit, No Credit? No Problem!Fast and Easy Application Show More
$750 Limit (Usable only at TheHorizonOutlet.com)
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Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 29.99% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: See Terms*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 29.99% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: See Terms*
Application Processing Fee: See Terms*

Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited

Card details:

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)See if you’re Pre-Qualified with no impact to your credit scoreAll credit types welcome to apply Show More
Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)Initial Credit Limit of $300 – $1,000 (subject to available credit)Monthly reporting to the three major credit bureausFast and easy application process; results in secondsUse your card at locations everywhere Mastercard® is acceptedChecking Account Required
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 25.64% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 25.64% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35
Application Processing Fee: See Terms

OpenSky® Secured Visa® Credit Card Credit Recommended: Bad/No

Card details:

New feature! Earn up to 10% cash back on everyday purchasesNo credit check to apply. Zero credit risk to apply!Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Show More
Get free monthly access to your FICO score in our mobile applicationBuild your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnionAdd to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google PayFund your card with a low $200 refundable security deposit to get a $200 credit lineApply in less than 5 minutes with our mobile first applicationChoose the due date that fits your schedule with flexible payment datesFund your security deposit over 60 days with the option to make partial paymentsOver 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
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First Latitude Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 19.24% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $39.00
Application Processing Fee: See website for Details*
Intro APR on Purchases: N/A
Regular APR: 19.24% (V)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $39.00
Application Processing Fee: See website for Details*

First Latitude Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

Card details:

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit. Show More
Build or rebuild your credit!1Accepted wherever Mastercard® is acceptedReports to all 3 credit bureausNo minimum credit score required for approval!1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.*See Important Disclosures for complete offer details
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First Progress Platinum Elite Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 25.24% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $29
Application Processing Fee: N/A
Intro APR on Purchases: N/A
Regular APR: 25.24% (V)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $29
Application Processing Fee: N/A

First Progress Platinum Elite Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

Card details:

Choose your own credit line - $200 to $2000 – based on your security depositBuild your credit score.1 Reports to all 3 credit bureausNo minimum credit score required for approval! Show More
1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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FIT™ Platinum Mastercard® Credit Recommended: Fair/Poor/Bad

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: See Terms*

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: See Terms*
Application Processing Fee: N/A
Intro APR on Purchases: N/A
Regular APR: See Terms*
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: See Terms*
Application Processing Fee: N/A

FIT™ Platinum Mastercard® Credit Recommended: Fair/Poor/Bad

Card details:

$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to applyMonthly reporting to the three major credit bureaus Show More
Initial Credit Limit of $400.00 (Subject to available credit)Fast and easy application process; results in secondsUse your card at locations everywhere Mastercard® is acceptedAccess to your Vantage 3.0 score from Experian (When you sign up for e-statements)Checking Account Required
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Milestone® Mastercard® Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: See terms

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: See terms
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: See terms
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: See terms
Application Processing Fee: See Terms*

Milestone® Mastercard® Credit Recommended: Fair / Good

Card details:

Greater access to credit than before - $700 credit limitGet a Mastercard accepted online, in store and in appAccount history is reported to the three major credit bureaus in the U.S. Show More
$0 liability* for unauthorized useAccess your account online or from your mobile device 24/7No security deposit required, even with less than perfect creditSimple application process with a quick response*Fraud protection provided by Mastercard Zero Liability Protection. If approved, you´ll receive the Mastercard Guide to Benefits that details the complete terms with your card.
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First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 19.24% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $39
Application Processing Fee: N/A
Intro APR on Purchases: N/A
Regular APR: 19.24% (V)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $39
Application Processing Fee: N/A

First Progress Platinum Select Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit

Card details:

1% Cash Back Rewards on paymentsChoose your own credit line - $200 to $2000 – based on your security depositBuild your credit score.1 Reports to all 3 credit bureaus Show More
No minimum credit score required for approval!1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
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How To Find A Credit Card For Your Needs

There is no universal approach to finding a plastic card for your needs. The best one for you may very well be the worst card choice for someone else; it all depends on how you use it and on your unique financial situation. Someone who travels frequently can make good use of a credit card with a travel rewards program, but for a person who rarely leaves home, the travel rewards would be wasted! Finding the credit card offers requires that you compare the features and benefits of various cards and match them to how you intend to use your card.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How to raise a credit score?

There are different ways to raise a credit score and a credit card is one of them. You can use a credit card to build payment history and as a result to build your credit score. For that you should get a credit card that, ideally, reports all your credit activity to three major credit bureaus. Many cards are reported to only one credit bureau, so pay attention to this when evaluate cards. Once you have a credit card you should use it with all your responsibility: make all due payments on time, never be late, and keep your balances low. This will help you to build positive payment history. If you have other credit accounts, make sure you do not default on them. Paying on time with all your creditors is very important because it helps you build good credit.

How to get a credit card that is best for me?

First of all, you should know your most current credit score. It is easier to find a credit card you will qualify for when you know your credit score. However, your credit score is not the only thing considered when you apply for a credit card. The way you manage other credit accounts, if you have any, defaults, bankruptcies, credit inquiries, and of course your income are also taken into account. So it is recommended to check credit reports before you apply for a credit card to make sure they are accurate and contain most current information.

What is the best credit card to apply?

There are a lot of good credit cards but which one is the best for you depends on your creditworthiness and your credit score. First of all, know your current credit score. It will help you find right credit cards to choose from. There are credit cards for people with established credit and cards for those who don’t have credit at all. So it is important to know your credit score if you want to qualify for a credit card. After that, you can consider your preferences. Think if you want a credit card with rewards or a card without an annual fee and low interest. Taking all this into consideration will help you to find the best credit card for you.

How to get a free credit report?

You can get a free copy of your credit report once a year from one or each of the three credit reporting agencies (TransUnion, Experian, and Equifax). You can request your free credit reports via AnnualCreditReport.com. This is the only source where you can get your credit report for free. You do not need to contact each credit bureau separately.