20+ results

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N

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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S

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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N

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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T

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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S

Who it's for: Students with bad credit denied by other issuers

  • Annual fee $75
  • Rewards —
  • APR 29.99%

Last-resort student card with high fees. Only consider if denied everywhere else.

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A

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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W

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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B

Who it's for: Bank of America customers who can take advantage of Preferred Rewards to boost cash back rates

  • Annual fee No annual fee
  • Rewards 1.5%
  • APR 15.74%

A straightforward cash back card that shines for Bank of America customers. Preferred Rewards members can boost the base 1.5% rate up to 2.62%, making it competitive with or better than most flat-rate cards. The 0% intro APR adds flexibility for large purchases.

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F

Who it's for: Consumers with less-than-perfect credit who prefer an unsecured credit card and value monthly reporting to Experian, Equifax, and TransUnion.

  • Annual fee $99
  • Rewards —
  • APR 35.9%

The FIT Platinum Mastercard may be an option for consumers with less-than-perfect credit who specifically need an unsecured card, but its high APR and multiple fees make lower-cost credit-building cards worth comparing first.

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O

Who it's for: Consumers building or rebuilding credit who are comfortable funding a refundable security deposit and want to apply without a credit check.

  • Annual fee $35
  • Rewards —
  • APR 23.89%

The OpenSky Secured Visa may make sense for consumers building or rebuilding credit who want to avoid a credit check during the application process and can provide the required security deposit. Its $35 annual fee and other transaction costs make comparison with no-annual-fee secured cards worthwhile.

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D

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

Who it's for: Individuals with poor credit scores (300 and above) looking to establish or rebuild credit.

  • Annual fee No annual fee
  • Rewards —
  • APR 29.99%

This card for those needing to improve their credit score without facing an annual fee. However, the high APR of 29.99% makes it costly for carrying a balance.

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C

Who it's for: Individuals with a credit score of 670 or higher looking to consolidate debt without incurring interest for an extended period.

  • Annual fee No annual fee
  • Rewards —
  • APR 17.74%

This card is excellent for users needing a long-term solution for balance transfers but may fall short for those interested in rewards or perks.

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W

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

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

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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S

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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U

Who it's for: This card is ideal for individuals who can maximize rewards in specific spending categories and want no annual fee.

  • Annual fee No annual fee
  • Rewards —
  • APR 19.49%

The U.S. Bank Cash+® Visa Signature® Card offers flexible cash back options but may not be the best fit for those who spend less in the selected categories.

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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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