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

A

Access Bank Visa Credit Card

 Visa

Who it's for: Ideal for users who frequently transact in naira or USD and prefer manageable fees.

  • Annual fee ₦1k
  • Rewards —
  • APR 42%

With a competitive annual fee of N1,000 and daily limits, this card is advantageous for frequent spenders. However, the high APR of 42% may deter those who carry a balance.

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U

UBA Naira Credit Card

 Visa

Who it's for: Best for individuals who can manage their repayments within the interest-free period and prefer a high credit limit without annual fees.

  • Annual fee ₦1k
  • Rewards —
  • APR 30%

This card is ideal for those who can repay quickly to enjoy interest-free borrowing, but may not be the best choice for long-term debt.

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Z

Zenith Bank Visa Credit Card

 Visa

Who it's for: Best for casual spenders and travelers who prioritize convenience over rewards.

  • Annual fee No annual fee
  • Rewards —
  • APR 54%

The Zenith Bank Visa Credit Card is ideal for those seeking an accessible credit option for travel and online purchases.

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G

GTBank Naira Mastercard

 Mastercard

Who it's for: This card is best for Nigerians who want to maximize cashback on everyday purchases without worrying about annual fees.

  • Annual fee $10
  • Rewards —

The GTBank Naira Mastercard is a solid choice for cashback seekers, especially with its fuel rewards and zero annual fees.

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F

FirstBank Visa Infinite Credit Card

 Visa

Who it's for: Best suited for high-income earners who travel frequently and prefer premium services.

  • Annual fee $200
  • Rewards —
  • APR 36%

This card is ideal for affluent customers seeking exclusive travel benefits without an annual fee.

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