Counter advice, no bank jargon

Which card is right for you? Ask at the counter.

Tell us your situation. We show the real yearly cost first, then the perks — and say plainly who should skip a card.

Take a number: what is your situation?

  1. My first card Easy approval, low limit to start
  2. Low Interest Lower rates if you carry a balance
  3. No annual fee Pay nothing just to keep it
  4. Cashback Money back on everyday spending
  5. Miles and travel Lounges, miles, fewer foreign fees
  • Real yearly cost before perks
  • No one can promise approval — we never do
  • Fine print explained in plain words

Recently added

T

Target Circle™ Card

 Mastercard

Who it's for: Ideal for regular Target shoppers who want to maximize their savings and enjoy benefits like free shipping.

  • Annual fee No annual fee
  • Rewards 5%
  • APR 22.9%

The Target Circle™ Card offers solid savings for frequent Target shoppers, but it may not be the best option for those seeking extensive rewards beyond Target purchases.

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C

Capital One Venture Rewards Credit Card

 Visa

Who it's for: This card is best for travelers looking to maximize rewards on purchases, especially those who frequently book through Capital One Travel.

  • Annual fee $95
  • Rewards —
  • APR 19.99%

The Capital One Venture Rewards Credit Card offers solid travel rewards with a straightforward earning structure, making it appealing for frequent travelers.

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PenFed Power Cash Rewards Visa Signature Card

 Visa

Who it's for: This card is best for individuals looking for straightforward cash back rewards without annual fees, especially military personnel.

  • Annual fee No annual fee
  • Rewards —
  • APR 17.99%

The PenFed Power Cash Rewards Visa Signature® Card offers solid cash back rewards with no annual fee, making it an attractive option for everyday spending.

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C

Chase Freedom Rise® Credit Card

 Visa

Who it's for: This card is best suited for individuals looking to build their credit history while earning cash back on everyday purchases.

  • Annual fee No annual fee
  • Rewards —
  • APR 28.74%

The Chase Freedom Rise® is a solid choice for those new to credit, offering cash back without an annual fee. However, its high APR may be daunting for some users.

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D

Delta SkyMiles Gold American Express Card

 Amex

Who it's for: Best for those who frequently fly Delta and dine out often, as the rewards structure favors these spending categories.

  • Annual fee $150
  • Rewards —
  • APR 21.49%

The Delta SkyMiles Gold American Express Card offers solid rewards for Delta travelers, but the annual fee may not be justifiable for occasional flyers.

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S

Self Secured Visa Credit Card

 Visa

Who it's for: People wanting forced savings alongside credit building

  • Annual fee $25
  • Rewards —
  • APR 25.21%

Unique combo of credit building and forced savings. Requires an active Self credit-builder loan account.

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T

Tomo Student Credit Card

 Mastercard

Who it's for: Students with no credit wanting guaranteed approval

  • Annual fee No annual fee
  • Rewards —

Uses bank transaction data instead of credit scores. Must pay full balance — functions like a charge card.

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D

Destiny Mastercard®

 Mastercard

Who it's for: U.S. consumers who are establishing or rebuilding credit and want an unsecured credit card without a security deposit.

  • Annual fee $175
  • Rewards —
  • APR 35.9%

The Destiny Mastercard may make sense for someone focused on establishing or rebuilding credit who specifically wants an unsecured card without a deposit, but its high APR and fee structure warrant careful comparison with lower-cost credit-building alternatives.

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C

Capital One Venture X Rewards Credit Card

 Visa

Who it's for: This card is best for frequent travelers looking to maximize rewards on travel-related purchases and enjoy premium travel perks.

  • Annual fee $395
  • Rewards 10%
  • APR 19.49%

The Capital One Venture X offers attractive travel rewards for frequent travelers, but its high annual fee may limit its appeal to casual users.

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A

Apple Card

 Mastercard

Who it's for: Ideal for Apple users looking for a straightforward credit card with cash back rewards on Apple products and services.

  • Annual fee No annual fee
  • Rewards —
  • APR 19.24%

The Apple Card offers a sleek design and user-friendly features, making it a solid choice for Apple enthusiasts.

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G

Grow Credit Mastercard

 Mastercard

Who it's for: People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.

  • Annual fee No annual fee
  • Rewards —

Grow Credit takes a unique approach — rather than traditional spending, it pays your existing subscription bills (Netflix, Spotify, etc.) and reports those payments to all three credit bureaus. The free tier covers one subscription, and paid tiers cover more. It's a passive way to build credit without changing your spending habits.

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C

Chase Sapphire Preferred® Card

 Visa

Who it's for: Frequent travelers and foodies with good to excellent credit who spend significantly on travel and dining.

  • Annual fee $95
  • Rewards —
  • APR 22.49%

The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who value high rewards rates, especially on travel and dining. However, the high APR can be a drawback for those who carry a balance.

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D

Discover it® Secured Credit Card

 Discover

Who it's for: This card is best for individuals looking to establish or improve their credit score while earning cash back on daily expenses.

  • Annual fee No annual fee
  • Rewards —
  • APR 28.24%

The Discover it® Secured Credit Card is a solid choice for those looking to build or rebuild their credit while earning cash back on everyday purchases.

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W

Wells Fargo Reflect Card

 Visa

Who it's for: Individuals with a credit score of 670 or higher looking to pay off existing debt interest-free for an extended period.

  • Annual fee No annual fee
  • Rewards —
  • APR 18.24%

This card is excellent for those looking to manage debt with its long introductory 0% APR. However, high ongoing rates after the intro period may deter long-term users.

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P

Petal 2 Student Visa Credit Card

 Visa

Who it's for: Students with no credit who want a no-fee card

  • Annual fee No annual fee
  • Rewards 1.5%
  • APR 18.24%

No annual fee, no foreign transaction fees, no late fees on first occurrence. The alternative underwriting helps students without credit history.

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A

Avant Credit Card

 Mastercard

Who it's for: People with fair credit scores who want an unsecured credit card without tying up money in a security deposit.

  • Annual fee No annual fee
  • Rewards —
  • APR 28.99%

Avant offers an unsecured card to people with fair credit who may not qualify for mainstream cards. No deposit is required, which is a significant advantage over secured cards. The card reports to all three bureaus, making it a legitimate credit-building tool.

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S

Southwest Rapid Rewards® Plus Credit Card

 Visa

Who it's for: Frequent Southwest travelers with good credit who prefer to earn rewards on airline purchases.

  • Annual fee $69
  • Rewards —
  • APR 22.99%

This card is ideal for frequent Southwest flyers who value earning points on airline-related purchases. However, the high APR range of 21.49%-28.49% can be a disadvantage for those carrying a balance.

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C

Capital One Quicksilver Cash Rewards Card

 Visa

Who it's for: Best for consumers looking for a simple cash back card without annual fees or complicated reward structures.

  • Annual fee No annual fee
  • Rewards 1.5%
  • APR 18.49%

The Capital One Quicksilver Cash Rewards card is a strong choice for those seeking straightforward cash back rewards without the hassle of rotating categories.

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H

Hilton Honors American Express Card

 Amex

Who it's for: This card is best for those who frequently stay at Hilton properties and want to earn bonus points on everyday purchases.

  • Annual fee No annual fee
  • Rewards 7%
  • APR 22.49%

The Hilton Honors American Express Card is a solid choice for frequent Hilton guests, offering generous rewards and no annual fee.

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