Top Rated Cards

Excellent Credit

U.S. Bank Perks+ Visa Signature® Card

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want – Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, 5,000 points for cash back, and 25,000 points for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
0%*12 billing cycles on purchases and balance transfers*11.99% - 21.99%* (Variable)$0*Yes*Excellent

*See Card Terms and Conditions.

Fair Credit

Credit One Bank® Credit Card with Gas Rewards

  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Zero fraud liability protects you from unauthorized charges
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/A*N/A*17.90%-23.90% (Variable)*$35 - $99*N/A*Fair

Poor Credit

Surge MasterCard® Credit Card

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A29.99%$125 for the first year. After that $96 annually.See website for Details*Fair/Poor

Limited/No History

Capital One® Platinum Credit Card

  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A24.9% (Variable)$0YesAverage/Fair/Limited

Cash Rewards

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • 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 doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
0% intro on purchases and balance transfersuntil April 201622.9% (Variable)$39YesAverage/Fair/Limited

Travel Rewards

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A12.9% - 22.9% (Variable)$0 intro for first year; $59 after thatYesExcellent/Good

Balance Transfer

Barclaycard® Rewards MasterCard®

  • No annual fee
  • 2X cash back rewards on purchases for gas, groceries and utilities
  • 1X cash back rewards on all other purchases
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers.
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A24.99%* Variable$0YesFair

*See Card Terms

Low APR Cards

USAA Rate Advantage Platinum Visa®

  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/A*N/A*6.90% to 23.90%*$0See website for Details*Good to Excellent

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

CreditSoup

Consumer Favorite

Total Visa® Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A29.99%$75.00 for the first year, $48 annually after thatN/AFair/Poor

Fair Credit

First Access Visa® Card

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Checking account required
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A29.99%$75.00 for first year, after that, $48.00 annuallyN/AFair/Poor

Poor Credit

Credit One Bank® Credit Card with Gas Rewards

  • Earn unlimited 1% cash back on gas purchases with this card
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/A*N/A*17.90%-23.90% (Variable)*$35 - $99*See website for Details*Poor/Bad

*See Card Terms & Conditions for Details

Damaged Credit

Freedom Gold Card

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

Credit LineRegular APRMonthly FeeCredit Needed
$500 Limit0% APRSee website for Details*Damage credit to Fair credit

*See site for details

Consumer Favorite

Milestone Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
Intro RateIntro PeriodRegular APRAnnual FeeBalance TransferCredit Needed
N/AN/A23.9%$35 - $99*N/AFair/Good

*Dependent on credit worthiness

*See online credit card application for details on the terms and conditions.




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