Top Rated CREDIT CARDS

Highlights

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

• Free Experian credit report and FICO® Score* included
• See estimated approval odds for select cards before you apply
• Check if you have pre-approved card offers

See your best matches based on you

• Simply sign in to see the credit cards that best match you
• Compare your best options and make your choice
• We apply your FICO® Score so you can apply with confidence

Additional Info

Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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^*Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more

Specifications

Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Specifications

Highlights

Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):

To apply for Credit Builder, you must have an active Chime® Checking Account.

• Credit Builder is a secured credit card
• No credit check to apply
• No annual fees
• No minimum security deposit*
• Limit risk of overspending

Eligibility Requirements

• 1. “Apply” for the Credit Builder Card
• 2. Chime Checking Account required to apply

Build Credit History

• Help increase your credit scores/FICO® Score by an average of 30 points¹
• Build credit history
• A better way to build credit
• Using Credit Builder can build your credit history
• Start building credit history with money you’ve set aside

Safer Credit Building

• Turn on Safer Credit Building* to automatically pay your balance in full each month
• Your balance will be automatically paid on time², every month

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

Additional Info

¹ Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

* Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

Specifications

Highlights

• Now with higher credit limits
• Increase your access to available credit
• Higher limit than before, still no security deposit required!
• Greater access to credit than before
• Less than perfect credit is okay
• Mobile account access at any time
• Account history is reported to the three major credit bureaus in the U.S.

Additional Info

• Regular APR: 35.9%
• Annual Fee: See Terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars
• Card Brand: Mastercard®
• Credit Recommended: Bad/Poor/Fair
• Intro Rate: N/A
• Intro Period: N/A
• Balance Transfer: N/A
• Intro (Purchases): N/A
• Intro (Balance Transfers): N/A

Specifications

Highlights

• A rewards card for people with less-than-perfect credit!
• Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
• A guaranteed $700 credit limit to help you build access to credit, if approved.
• With Cashback Rewards, you get to live like an A-lister.
• Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
• Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
• No security deposit required—get started today!

Additional Info

• Credit Limit: $700
• Rewards Rate: Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases.
• Regular APR: 35.90%
• Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
• Cash Advance APR: 35.90%
• Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
• Credit Recommended: Fair
• Annual Fee: $175 the first year; $49 thereafter
• Card Brand: Mastercard
• Foreign Trans Fee: 1% of each transaction in U.S. dollars
• Late Payment Fee: Up to $41
• Minimum Credit Score: 500
• Penalty APR: See Terms

Specifications

Highlights

• Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
• Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
• Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
• Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
  *Please see site for full terms and conditions.

Additional Info

• Activation Fee: $0
• Monthly Fee: $0 with eligible direct deposit
• Direct Deposit Fee: $0
• ATM Fee: $2.50
• Credit Recommended: N/A

Specifications

Highlights

• Turn everyday purchases into 1.5% Cashback Rewards!
• A guaranteed $700 credit limit to help get your financial goals on track, if approved.
• Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
• No upfront security deposit required so you can keep more money in your pocket.
• Join over a million consumers who are working on building their access to credit.
• Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
• A rewards card for people with less than perfect credit!

Additional Info

• Credit Limit: $700
• Rewards Rate: Unlimited 1.5% Cashback Rewards earned on every purchase.
• Regular APR: 35.90%
• Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
• Cash Advance APR: 35.90%
• Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
• Credit Recommended: Fair
• Annual Fee: $175 the first year; $49 thereafter
• Card Brand: Mastercard
• Foreign Trans Fee: 1% of each transaction in U.S. dollars
• Late Payment Fee: Up to $40
• Minimum Credit Score: 500
• Penalty APR: See Terms

Specifications

Highlights

• Pre-qualify with no impact to your credit score
• Helping people build credit is our first priority – start your credit-building journey today.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.
• Award-winning, U.S.-based customer service

Additional Info

Specifications

Highlights

• A guaranteed $700 credit limit to help get your financial goals on track, if approved.
• Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
• Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
• Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
• No security deposit, just instant purchasing power. See Terms.
• Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
• Get the credit you deserve, even with less-than-perfect history.

Additional Info

• Credit Limit: $700
• Regular APR: 35.90%
• Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
• Cash Advance APR: 35.90%
• Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
• Credit Recommended: Fair
• Annual Fee: $175 the first year; $49 thereafter
• Brand Name: Mastercard
• Foreign Trans Fee: 1% of each transaction in U.S. dollars.
• Late Payment Fee: Up to $40
• Minimum Credit Score: 500
• Penalty APR: See Terms

Specifications

Highlights

• Credit for everyone – Regardless of your credit history!
• Get paid up to 2 days faster – Using Direct Deposit.
• Build credit not debt.
• Grow your savings – Earn up to a 4.00% Bonus on Savings Pods

View Product Disclosures

Additional Info

• Products Offered: Mobile Banking & Visa Credit Card
• Brand Name: Visa®
• Credit Check: No
• Regular APR: 0.00%

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Specifications

Highlights

• No hard inquiry to apply.
• Apply in 5 minutes or less.
• Get up to $200 with the unsecured Arro Card. Grow your credit line up to $2,500.
• Earn 1% cash back on gas & groceries, including Walmart and Target
• Instantly increase your credit limit as you master your personal finances in the Arro app.
• Reports to all 3 credit bureaus.
• The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Additional Info

• Primary Benefit: Build and grow credit – up to $2,500 over time
• Rewards Rate: 1% cashback
• Credit Limit: Up to $200 starting limit
• Regular APR: 16% Variable
• Annual Fee: $36* (*discounted in Year 1 for starting credit lines under $200)
• Credit Recommended: All Credit Types Accepted
• Checking Account Required: Yes
• Card Brand: Mastercard®
• Late Payment Fee: Up to $8
• Return Payment Fee: $0

Specifications

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The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications