Top Rated CREDIT CARDS

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As a consumer with a solid credit standing, you’ll never have many concerns about receiving an approval for a new credit card. However, there’s one challenge awaiting you: sifting through hundreds of credit card offers with hopes of finding the right one. While you’re in good position to obtain the perfect credit card, you don’t want to rush your decision. Below, we’ve listed out some of the best credit credit cards currently available. These definitely deserve a closer look.

CARD SPOTLIGHT

First Tech Platinum Rewards Mastercard®

No annual fee or balance transfer fee

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Good,Excellent

Regular Purchase APR 13.24% - 18.00% (V)

Full Details Card Page

Highlights

  • As low as 13.24% APR
  • Introductory 0% APR on balance transfer for 12 months
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

Additional Info

  • Cash Advance Fee: 0%
  • Cash Advance APR: 13.24% – 18.00% (V)
  • Foreign Transaction Fee: 0%
  • Smart Chip: Yes, chip-and-PIN
  • Max Late Fee: $25
  • Max Overlimit Fee: $0
  • Max Penalty APR: None
  • Grace Period: 21 days

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 13.24% - 18.00% (V)
Annual Fee 0.00
Credit Recommended Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee 0%
Balance Transfer Fee n/a

First Tech Choice Rewards World Mastercard®

Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Good,Excellent

Regular Purchase APR 13.50% - 18.00% Variable APR

Full Details Card Page

Highlights

  • Earn 20,000 bonus points when you spend at least $3,000 within the first 60 days of opening your new Choice Rewards World Mastercard®. That’s a $200 value.
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

Additional Info

  • Intro APR on Purchases: N/A
  • Intro APR on Balance Transfer: N/A
  • Regular APR: 13.50% – 18.00% Variable APR
  • Balance Transfer Fee: None
  • Annual Fee: None

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 13.50% - 18.00% Variable APR
Annual Fee 0.00
Credit Recommended Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee 0%
Balance Transfer Fee n/a

Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Good,Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay**
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

* To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Detailshttps://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

  • Annual Fee: $0.00
  • Intro Purchase APR: NA
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: No

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% -29.99% APR
Annual Fee 0.00
Credit Recommended Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% - 29.99% APR
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $0.00
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

Upgrade Cash Rewards Visa®

Earn 1.5% unlimited cash back on card purchases every time you make a payment

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Fair,Good,Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Rewards Rate: 1.5%
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% - 29.99% APR
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

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