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

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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B

Bank of America Student Visa Credit Card

 Visa

Who it's for: Students who bank with Bank of America

  • Annual fee No annual fee
  • Rewards —
  • APR 17.49%

A reliable student card from a major bank with an intro APR offer. Good for building a banking relationship with BofA.

Recommended View card

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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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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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 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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M

Marriott Bonvoy Boundless® Credit Card

 Visa

Who it's for: Frequent travelers who stay at Marriott properties and have good credit.

  • Annual fee $95
  • Rewards 17%
  • APR 19.24%

This card is for frequent Marriott guests looking to maximize travel rewards. However, the high APR may not be carry a balance.

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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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C

Chase Freedom® Student Credit Card

 Visa

Who it's for: Best for students seeking to establish credit with a low-cost option.

  • Annual fee No annual fee
  • Rewards —
  • APR 19.99%

The Chase Freedom® Student Credit Card offers a solid entry point for students looking to build credit while earning cash back on purchases.

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W

Walmart Rewards Card

 visa

Who it's for: Walmart.com shoppers who frequently use online ordering or pickup/delivery

  • Annual fee No annual fee
  • Rewards —
  • APR 24.4%

Solid for Walmart online shoppers getting 5% back, but the in-store rate of 2% is average.

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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

Chase Freedom Flex® Credit Card

 Mastercard

Who it's for: This card is best for individuals who frequently spend in rotating categories and want to maximize cash back without an annual fee.

  • Annual fee No annual fee
  • Rewards 5%
  • APR 18.24%

The Chase Freedom Flex® offers a compelling cash back structure with no annual fee, making it a solid choice for rewards seekers.

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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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N

Navy Federal nRewards Secured Credit Card

 Visa

Who it's for: Military members building credit who want rewards

  • Annual fee No annual fee
  • Rewards —
  • APR 15.65%

Rare secured card that offers rewards. Low APR plus no annual fee makes it one of the best secured cards available.

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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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A

American Express® Gold Card

 Amex

Who it's for: This card is ideal for individuals who dine out frequently and shop at U.S. supermarkets, maximizing rewards on everyday spending.

  • Annual fee $250
  • Rewards —
  • APR 21.99%

The American Express® Gold Card is a rewarding choice for foodies and frequent travelers, offering robust points on dining and groceries.

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N

Navy Federal Platinum Low Interest Card

 Visa

Who it's for: Military-connected individuals wanting the lowest possible rates

  • Annual fee No annual fee
  • Rewards —
  • APR 11.24%

Some of the lowest ongoing rates in the industry. Great for anyone who qualifies for Navy Federal membership.

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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.

Recommended View card