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Compare the Best Credit Cards for April 2024
Destiny® Mastercard®
- Pre-qualify without impacting your credit score
- No security deposit required
- Enjoy easy online account access 24/7
- Monthly reporting to 3 major credit bureaus
Line of credit
$300
Interest-free payment period
25 Days
Annual fee
$75
Travel Insurance
No
ATM fee
1% of each transaction in USD
Interest
24.90% - 0.00%
Indigo® Platinum Mastercard®
- Ideal for borrowers with bad credit
- Starting credit limit of $300
- Annual fee $75 for the first year
- Easy online application
Line of credit
$300
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
24.90% - 0.00%
PenFed Pathfinder® Rewards Visa Signature® Card
- 50,000 bonus points when you spend $3,000 in the first 90 days
- 4 x points on all travel categories for PenFed Honors Advantage Members
- Annual Fee: $95
- 0% Balance Transfers Promo APR for 12 months
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$95
Travel Insurance
No
ATM fee
Interest
17.99% - 17.99%
Milestone® Gold Mastercard®
- 24.90% regular purchase APR
- Monthly payments reported to three credit bureaus
- Starting credit limit of $300
- Pre-qualify with no impact on your credit score
Line of credit
$300
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
24.90% - 0.00%
Total Visa® Unsecured Credit Card
- Earn 1% cash back rewards on payments made to your Total Credit Card
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.
- $75 annual fee for the first year
Line of credit
$300
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
35.99% - 35.99%
PenFed Platinum Rewards Visa Signature® Card
- Purchase Variable APR: 17.99%
- 0% Balance Transfers Promo APR for 12 months
- Points on gas paid at the pump and EV charging stations
- Annual Fee: $0
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
17.99% - 17.99%
PenFed Power Cash Rewards Visa Signature® Card
- Earn Cash Back for Everyday Purchases
- $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
- Annual Fee: $0
- 0% Balance Transfers Promo APR for 12 months
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
17.99% - 17.99%
PenFed Gold Visa® Card
- LOW APR on purchases
- Purchase Variable APR: 15.49% to 17.99%
- 0% Intro APR on purchases made the first 15 months after account opening.
- Annual Fee: $0
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
15.49% - 17.99%
Surge® Platinum Mastercard®
- See if you’re Pre-Qualified with no impact to your credit score
- 29.99% variable APR
- $75 annual fee
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Line of credit
$2,000
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
29.99% - 29.99%
Upgrade Triple Cash Rewards Visa
- 14.99% -29.99% APR
- No annual fee
- Unlimited cash back on payments - up to 3%
- See if you qualify in minutes without hurting your credit score
Line of credit
$25,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
14.99% - 29.99%
Upgrade Card
- No annual fee
- 14.99% - 29.99% APR
- Reports to the three major credit bureaus
- 1.5% cash back on all purchases
Line of credit
$25,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
14.99% - 29.99%
Upgrade Cash Rewards Visa®
- 14.99% - 29.99% APR
- No annual fee
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- See if you qualify in minutes without hurting your credit score
Line of credit
$25,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
14.99% - 29.99%
First Latitude Platinum Mastercard® Secured Credit Card
- 23.74% variable APR
- $100 deposit to start building credit
- No credit history needed
- 1% Cash back
Line of credit
$2,000
Interest-free payment period
0 Days
Annual fee
$25
Travel Insurance
No
ATM fee
Interest
23.74% - 23.74%
OpenSky® Secured Visa® Credit Card
- Variable APR of 25.64%
- No credit check when you apply
- Minimum security deposit of $200
- Low $35 annual fee
Line of credit
$3,000
Interest-free payment period
0 Days
Annual fee
$35
Travel Insurance
No
ATM fee
Interest
25.64% - 0.00%
Horizon Gold Card
- Horizon Gold Card with $500 unsecured credit limit
- No credit check needed, Bad credit score accepted
- 0% APR on credit
- One time activation fee: $5. Monthly membership fee: $24.95
Line of credit
$500
Interest-free payment period
0 Days
Annual fee
$25
Travel Insurance
No
ATM fee
0.00
Interest
0.00% - 0.00%
Buy On Trust
- Buy On Trust TODAY, Pay LATER.
- All The Big Name Brand Laptops, Tv's & More
- Up to $5,000 approval
- With an initial payment of just $50, you can afford to shop from all the top brand names
Line of credit
$5,000
Interest-free payment period
90 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
0.00% - 0.00%
American Express® Gold Credit Card
- Annual Fee: $ 250
- 0% Intro APR on eligible charges for 12 months
- Earn rewards on dining, groceries, and flights
- Earn 5 000 bonus Membership Rewards® points when you activate your new card.
Line of credit
$25,000
Interest-free payment period
0 Days
Annual fee
$250
Travel Insurance
No
ATM fee
Interest
20.49% - 28.49%
Chase Freedom Unlimited®
- $200 bonus plus 5% cash back
- 0% intro APR for 15 months
- Annual fee $0
- Cash Back rewards do not expire as long as your account is open
Line of credit
$20,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
Yes
ATM fee
Interest
19.49% - 28.24%
American Express Blue Cash Preferred® Card
- Cash Back with No Annual Fee
- Earn 20% back on Amazon.com purchases in the first 6 months
- 0% intro APR for 15 months
Line of credit
$30,000
Interest-free payment period
0 Days
Annual fee
$95
Travel Insurance
Yes
ATM fee
Interest
18.49% - 29.49%
Reflex Mastercard®
- 24.99% - 29.99% variable APR
- Free access to your Vantage 3.0 score from Experian* (when you sign up for e-statements)
- Up to $2,000 credit limit
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
Line of credit
$2,000
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
24.99% - 29.99%
American Express Blue Cash Everyday® Card
- 0% intro APR on Purchases or 15 months
- 18.49% - 29.49% Variable APR
- $0 annual fee
- Earn 3% cash back at US supermarkets
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
Yes
ATM fee
Interest
18.49% - 29.49%
Applied Bank Secured Visa® Gold Preferred® Card
- Absolutely No Credit Check or Minimum Credit Score Required
- 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
- Automatic Reporting to All Three National Credit Bureaus
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
Line of credit
$5,000
Interest-free payment period
0 Days
Annual fee
$48
Travel Insurance
No
ATM fee
Interest
9.99% - 0.00%
Assent Platinum 0% Intro Rate MasterCard® Secured Credit Card
- 0% intro APR for 6 months
- Low credit requirement
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Fully-refundable deposit of minimum $200
Line of credit
$2,000
Interest-free payment period
0 Days
Annual fee
$49
Travel Insurance
No
ATM fee
Interest
12.99% - 0.00%
Bank of America® Customized Cash Rewards Card
- $200 online cash rewards bonus offer and 3% cash back in the category of your choice
- 0%† Intro APR for your first 18 billing cycles for purchases
- 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs
- $0 annual fee
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
17.49% - 27.49%
Bank of America® Travel Rewards Card
- Earn unlimited 1.5 points for every $1 you spend on all purchases
- 0% introductory APR for 18 billing cycles
- $0 annual fee
- Balance Connect® for overdraft protection
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
18.49% - 28.49%
Bank of America® Unlimited Cash Rewards Card
- 0% intro APR for 18 billing cycles on purchases
- 17.49% - 27.49% Variable APR
- $0 annual fee
- Recommended credit score 690-850
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
17.49% - 27.49%
BankAmericard® Credit Card
- 0% intro APR for 21 billing cycles on purchases
- 15.49% - 25.49% Variable APR
- $0 annual fee
- $0 Liability Guarantee for fraudulent transactions
Annual fee
$0
Travel Insurance
No
ATM fee
Capital One Platinum MasterCard®
- No annual fee
- 29.74% variable APR
- No foreign transaction fees
- Automatic credit line reviews
Line of credit
$300
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
29.74% - 0.00%
Capital One® QuicksilverOne® Cash Rewards Credit Card
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months
- 29.74% Variable APR
- $39 annual fee
- Unlimited 1.5% Cash Back on every purchase
Line of credit
$10,000
Interest-free payment period
0 Days
Annual fee
$39
Travel Insurance
No
ATM fee
Interest
29.74% - 29.74%
Capital One® SavorOne® Cash Rewards Credit Card
- Earn unlimited 3% cash back
- 0% intro APR for 15 months
- $0 annual fee
- No foreign transaction fees
Line of credit
$20,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
19.24% - 29.24%
Chase Sapphire Preferred® Card
- $300 annual travel credit
- 19.24%–26.24% variable APR
- 60,000 bonus points after you spend $4,000 on purchases in the first 3 months
- $550 annual fee
Line of credit
$20,000
Interest-free payment period
0 Days
Annual fee
$95
Travel Insurance
Yes
ATM fee
Interest
20.49% - 27.49%
Chase Sapphire Reserve® Card
- Get 60,000 bonus points when you spend $4,000 in the first 3 months
- $300 annual travel credit
- 21.49%–28.49% variable APR
- Earn 3x points on other dining at restaurants
Line of credit
$10,000
Interest-free payment period
0 Days
Annual fee
$550
Travel Insurance
Yes
ATM fee
Interest
21.49% - 28.49%
Chase® Freedom Flex℠ Card
- 0% intro APR on Purchases for 15 months
- 19.49%–28.24% Variable APR
- Annual fee $0
- Earn 5% cash back in quarterly bonus categories
Line of credit
$500
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
Yes
ATM fee
Interest
19.49% - 28.24%
Citi Custom Cash℠ Card
- 0% intro APR on Purchases and Balance Transfers for 15 months
- 18.49% - 28.49% Variable APR
- $0 annual fee
- Recommended credit score 690-850
Line of credit
$500
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
18.49% - 28.49%
X1 Credit Card
- No Annual Fee
- 2X points on every purchase regardless of category
- Earn up to 10X points at leading online stores
- Add up to 5 cardholders
Line of credit
$24,000
Interest-free payment period
0 Days
Annual fee
$0
Travel Insurance
No
ATM fee
Interest
15.50% - 27.75%
Important
How To Compare Credit Cards
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Filter the results based on your own criteria
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What is a Credit Card?
Credit cards are physical cards you can use to make purchases on credit, and repay the amount at a later time. It's like short-term loan in many ways.
When you open a credit card account you get a set credit limit from the credit card issuer. This is the amount of money the credit card company allows you to use to pay bills or make purchases.
Every time you use your card, your credit limit reduces. You then pay back what you've spent in monthly repayments.
Note: Credit cards can be secured or unsecured. Secured credit cards typically require a cash deposit or a form of collateral to open, which also doubles as your available credit limit.
Credit cards are very convenient and can help you pay bills when you're short on cash. You can also save money or earn rewards while building your credit with healthy spending habits.
You can also pre-qualify with no impact on your credit report by comparing soft pull credit cards.
Credit Cards vs Debit Cards
When you're making purchases with a debit card you are spending your own money in the bank, which is different from a credit card where you're spending money you don't own.
Debit cards are typically linked to your checking account. When you make a purchase, the money is automatically deducted from your bank account.
Credit cards also have an impact on your credit score directly. Making credit card payments on time and staying within your credit limit can help to improve your credit.
How Do Credit Cards Work?
Although credit cards and debit cards look the same, they are different. Here is a summary of how credit cards work:
- Credit cards come with a credit limit that you can use to make purchases and then repay it at a later date.
- Credit cards can come with interest if you carry a balance.
- Always read the fine print on promotional credit card offers.
- Rewards credit cards help you earn rewards on certain purchases in the form of miles, points, or cash back.
Every time you make a purchase online or in stores, your card details are sent to the merchant's bank. The bank then gets authorization from the credit card company to approve the transaction.
Once the transaction is approved, the merchant is paid and your credit limit is reduced accordingly.
💡 Tip: If you pay your bill in full during the grace period (time between the date of purchase and the due date) you will pay no interest.
Types of Credit Cards
- Standard credit cards usually offer no benefits or rewards. On the upside, they are very easy to understand and straightforward to use.
- Balance transfer credit cards come with the ability to transfer balances. They offer a low introductory rate on balance transfers for a certain period of time. A good option if you want to save money on a high credit card interest rate balance on an existing card.
- Rewards credit cards are pretty self-explanatory and there are three basic types of rewards cards: points, cashback, and travel. Some people prefer the flexibility of cashback rewards, while frequent travelers like to use travel rewards cards.
- 0% APR credit cards give you a zero percent introductory APR for a specific period (usually for the first year) before charging the normal APR going forward. This allows you to pay off your credit card debt faster.
- Soft pull credit cards allow you to get pre-approved for a credit card without any impact on your credit score. This is perfect for borrowers with bad credit or those who want to compare offers before choosing a card.
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The Benefits of Credit Cards
It’s convenient. With a credit card in your wallet, you rarely ever need cash or an ATM.
Efficient record keeping. Easy expense monitoring and monthly budgeting through monthly statements.
Purchase protection. Credit cards often offer extended warranties on items you purchase.
Balance surfing. You can quickly transfer your high-interest balance to a lower-interest card.
Earn rewards. Credit cardholders often earn reward points for using their credit cards, which they can redeem on travel, cashback, and more.
There are also other benefits to opening a new credit card account:
A credit line can also improve your credit profile. Here's how:
Better track record. Good credit is built on a track record of paying on time. FICO is the most used credit score for credit decisions. Payment history accounts for 35% credit score. It is called "extremely influential" by VantageScore, a competitor.
Consistent, on-time payments are essential if you want to build credit. You have another chance to establish a track record of timely payments with a new account.
Credit cards have more room. Your overall credit limit will be increased by getting a new card. Your credit utilization may be lower if your spending is constant, which could improve your score.
Credit diversity. Credit scores give points if you are able to manage more types of credit. You can manage your new card if you have an installment loan, but not a credit card. If you have multiple credit cards, it is unlikely that one additional card will have much impact.
How a Credit Card Can Benefit You
It’s convenient. With a credit card in your wallet, you rarely ever need cash or an ATM.
Efficient record keeping. Easy expense monitoring and monthly budgeting through monthly statements.
Purchase protection. Credit cards often offer extended warranties on items you purchase.
Balance surfing. You can quickly transfer your high-interest balance to a lower-interest card.
Earn rewards. Credit cardholders often earn reward points for using their credit cards, which they can redeem on travel, cashback, and more.
Using Your Credit Cards Responsibly
Credit cards can be a great benefit to have when you use them correctly.
Using Your Credit Cards Responsibly
Credit cards can be a great benefit to have when you use them correctly. They can earn you free vacations and cashback options, but they can also open a pit of debt that can throw your financial situation for a loop.
Here’s how to use them responsibly:
Spend within your means
Banks will occasionally call and offer higher lending amounts based on your income and credit card payment history. Make sure you are still leaving within your means even if you have a higher limit.
Only buy what you need
Never buy anything with a credit card that you do not have the cash to pay for.
Find the best offer
Compare credit card offers often and focus on those with o% interest and reward points. Once you have opened an account, you don’t have to keep it.
Keep up with payments
Always pay your credit card in full when you receive your statement.
Compare Credit Cards with Financer.com
At Financer.com we want to offer you financial solutions that will improve your financial future.
That's why we help you with comparing credit cards online and applying for the best offers with the best credit card interest rates available. By making better financial decisions you'll be able to stay out of debt.
You can compare credit cards from the leading lenders above, to find out what are the best credit cards and rates for you.
Have Questions About Credit Cards? Get the Answers Here.
How Do Credit Cards Affect Your Credit Score?
The average American carries four credit cards. However, this doesn’t mean that four credit cards are ideal. In many cases, opening a new credit card can actually boost your current FICO score overall, some more than others.
In fact, you might be shocked to learn that you technically need to have 21 lines of credit open to hit the perfect 850 FICO score.
Example: You have a credit score of 600 but only have one credit card with a $2,000 limit. By opening a second card with an $8,000 limit on it, you might see your score shoot up by 80+ points on your FICO reports.
There are many reasons for this, but basically, if you can show creditors that you can successfully manage large lines of credit, they consider you trustworthy.
This behavior is viewed as a positive to other lenders who are willing to now work with you more because you display a healthy relationship with managing money.
Note: A FICO score is a credit score created by the Fair Isaac Corporation (FICO).
FICO scores use data in five different areas to determine a borrower’s creditworthiness: payment history, the current level of indebtedness, types of credit used, length of credit history, and new credit accounts.
FICO® Scores Explained:
| Score | Rating | Lending Opportunities |
|---|---|---|
| 300-579 | Bad | Loan applicants may struggle to get credit without a deposit. It can be difficult to be approved for credit with this rating. |
| 580-669 | Fair | Applicants may still struggle to get optimal lending rates and may still be rejected by certain lenders. |
| 670-739 | Good | Most lenders will provide credit to those with good lending however they may offer average lending fees. |
| 740-799 | Very Good | Most applicants may receive better than average lending rates. |
| 800-850 | Excellent | Less than 22% of Americans have excellent credit. Those with credit scores at this level are considered optimal applicants. |
What are the risks of having a credit card?
If you overextend yourself and are unable to pay down your new credit limits, you may find yourself in a problematic debt cycle.
A debt cycle where you are unable to pay your bills will be detrimental to your credit score.
Any new credit card applications will cause a hard inquiry, which might negatively impact your credit score by 1-4 points. However, for the general population, the upside HEAVILY outweighs the downside.
Approval means access to more credit, which in turn means a higher credit score overall. You typically won’t notice too much of a credit card hit if you apply for a credit card every four months or more.
Note: If you do notice a large hit to your credit score, you can generally wait about three months, and your credit score should recover overall if there are no other outside influences.
Sometimes a significant dip in your score can be caused by too many new credit applications. Credit bureaus see too many applications as high risk and assume your creditworthiness is low.
How long does it take to get a credit card?
How old do I have to be to get a credit card?
How many credit cards should I have?
How can I lower the interest rate on your card?
- Call your lender and ask for a lower rate.
- Search for new-customer deals for your card and request that rate.
- If all else fails, sign up for a new card with a lower rate and transfer the balance.
How can I find the best credit card rates?
- Promotional interest rate
- Fixed interest rate
- Foreign transaction rates
- Balance transfer rates
What should I know about rates, fees, and penalties?
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