wallethub.com
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104.17.43.54
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Submitted URL: https://www.myhub.com/
Effective URL: https://wallethub.com/credit-cards/
Submission: On March 16 via api from US — Scanned from US
Effective URL: https://wallethub.com/credit-cards/
Submission: On March 16 via api from US — Scanned from US
Form analysis 11 forms found in the DOM
POST /logout/
<form action="/logout/" method="post" id="logout-form" class="ng-pristine ng-valid">
<input type="hidden" name="ref" value="https://wallethub.com" autocomplete="off">
<input type="hidden" name="i" value="1" autocomplete="off">
<input type="submit" id="logout-button" value="Logout">
<input type="hidden" name="XSRF-TOKEN"
value="eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJjbGllbnRfaWQiOiIxNzEwNTc5ODkxMTcyMDk2MDA5NDQiLCJpYXQiOjE3MTA1Nzk4ODYsImV4cCI6MTcxMDU4MzQ5MSwicmF5IjoiODY1Mzk0MDAwZmI2MzllMS1ZWVoifQ.KzPV6eBUoMQiMjfWzsVd23mBOjiM1BTmwH0zQMUiaD0" autocomplete="off">
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<div class="question-box"> <textarea id="comsearch-ipt" placeholder="Have a question? Search for answers" class="q-input ng-pristine ng-untouched ng-valid ng-empty" data-ng-model="comsearch" ng-keyup="autoExpand($event)"
ng-keydown="autoExpand($event)" rows="1" tabindex="0" aria-label="question search"></textarea> <span class="btn blue no-decoration q-btn" role="button" tabindex="0" aria-label="Search"><span class="af-icon-search"></span></span> </div>
<!-- Removed if (false) statement here--> <!-- <div class="sort" data-ng-if="!(comresults || comresults_loading)">--> <!-- <span data-hm-tap="open_sort($event);" class="slink">Most Useful <span class="af-icon-down-open"></span></span>-->
<!-- <div class="popup-list">--> <!-- <span class="most-list first"><span>Oldest</span></span>--> <!-- <span class="most-list">Newest</span>--> <!-- <span class="most-list">Most Answers</span>-->
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type="submit" value="submit" class="ng-hide">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-q2140815420" id="ck-content-q2140815420-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-q2140815420" class="ck-tools"></div> <textarea id="ck-content-q2140815420" aria-labelledby="ck-content-q2140815420-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-q2140799944" id="ck-content-q2140799944-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-q2140799944" class="ck-tools"></div> <textarea id="ck-content-q2140799944" aria-labelledby="ck-content-q2140799944-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
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<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-b1000057" id="ck-content-b1000057-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-b1000057" class="ck-tools"></div> <textarea id="ck-content-b1000057" aria-labelledby="ck-content-b1000057-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-b1000049" id="ck-content-b1000049-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-b1000049" class="ck-tools"></div> <textarea id="ck-content-b1000049" aria-labelledby="ck-content-b1000049-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-c549" id="ck-content-c549-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-c549" class="ck-tools"></div> <textarea id="ck-content-c549" aria-labelledby="ck-content-c549-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-q2140795283" id="ck-content-q2140795283-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-q2140795283" class="ck-tools"></div> <textarea id="ck-content-q2140795283" aria-labelledby="ck-content-q2140795283-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="replyform with-cke ng-pristine ng-valid">
<div class="avatar"> <img src="https://cdn.wallethub.com/images/profile/avatars/silhouette-50_V1d9a2cc_.png" width="40" height="40" alt="user avatar" tabindex="0"> </div>
<div class="reply-box ck-answer-editor"> <label for="ck-content-q2140666968" id="ck-content-q2140666968-label" ng-hide="true" class="ng-hide">Reply</label>
<div id="ck-tools-q2140666968" class="ck-tools"></div> <textarea id="ck-content-q2140666968" aria-labelledby="ck-content-q2140666968-label" name="reply" class="editor-content reply-input"></textarea>
</div>
<div class="reply-act"> <span class="btn grey fixed-w hide-reply" role="button" tabindex="0">Cancel</span> <span class="btn blue fixed-w submit" role="button" tabindex="0">Reply</span> <span class="btn grey loading-disabled" aria-hidden="true"
tabindex="-1"><span class="af-icon-spin6 animate-spin"></span></span> </div> <input type="submit" value="submit" class="ng-hide" aria-hidden="true" tabindex="-1">
</form><form class="askform ng-pristine ng-valid ng-valid-maxlength" role="dialog" ng-aria-hidden="!$root.show_ask_overlay" tabindex="-1" aria-hidden="true">
<section data-step="1" class="ask" data-ng-class="{active: is_overlay_step(1), 'show-addition': is_additional_details_visible()}">
<h3 data-after="Want to get your own question answered?" ng-focus-when="$root.show_ask_overlay && is_overlay_step(1)" tabindex="-1"><span>Ask a Question</span></h3>
<div class="question"> <span class="count ng-binding" data-ng-class="{invalid: chars_left < 0}" ng-aria-hidden="" tabindex="-1" aria-hidden="true"></span> <textarea name="question" id="ask-question-ipt"
placeholder="Ask a question (140 character limit)" data-ng-model="question" data-ng-keyup="autoExpand($event)" data-ng-keypress="autoExpand($event)" data-ng-keydown="autoExpand($event)" aria-label="Question text field" tabindex="0"
ng-disabled="!$root.show_ask_overlay" class="ng-pristine ng-untouched ng-valid ng-empty" disabled="disabled"></textarea> <label for="details-question-ipt" class="ng-hide">Additional Details</label> <textarea id="details-question-ipt"
name="details" placeholder="Additional Details (Optional)" class="addition ng-pristine ng-untouched ng-valid ng-empty ng-valid-maxlength" data-ng-model="details" data-ng-keyup="autoExpand($event)" data-ng-keypress="autoExpand($event)"
data-ng-keydown="autoExpand($event)" maxlength="500" ng-disabled="!$root.show_ask_overlay" aria-label="Question detail text field" disabled="disabled"></textarea> </div> <!-- ngIf: is_overlay_step(1) -->
<div class="actions">
<div class="btn blue fixed-w with-progress next" role="button" data-ng-class="{loading: is_form_loading()}" tabindex="-1"> <span class="child">Next</span> <span class="af-icon-spin6 animate-spin" ng-aria-hidden="" tabindex="-1"
aria-hidden="true"></span> </div>
</div>
</section>
<section data-step="4" class="step4" data-ng-class="{active: is_overlay_step(4)}">
<h3 ng-focus-when="overlay_shown && is_overlay_step(4)" tabindex="-1">Please provide your email in order to receive answers</h3> <span class="btn aqua lf-ct full login" role="button"><span class="ct bf-icon-wlogo" ng-aria-hidden=""
tabindex="-1" aria-hidden="true"></span>Login To Wallethub</span> <span class="or" tabindex="-1">or</span> <label for="email-question-ipt" ng-hide="true" class="ng-hide" ng-aria-hidden="" tabindex="-1" aria-hidden="true">Email</label> <input
id="email-question-ipt" class="email ng-pristine ng-untouched ng-valid ng-empty" name="email" placeholder="Email Address" data-ng-model="email" aria-label="Email" ng-disabled="!$root.show_ask_overlay" disabled="disabled">
<!-- ngIf: show_one_time_code --> <!-- ngIf: is_overlay_step(4) --> <!-- ngIf: show_one_time_code_resend -->
<div class="actions"> <span class="bk touch-element-cl" data-hm-tap="back();" role="button" tabindex="-1">Back</span>
<div class="btn blue with-progress fixed-w em" data-ng-class="{loading: is_form_loading()}" role="button" tabindex="-1"> <span class="child">Submit</span> <span class="af-icon-spin6 animate-spin"></span> </div>
</div>
</section>
<section class="step5" data-step="end" data-ng-class="{active: is_overlay_step(5)}">
<h3 ng-focus-when="overlay_shown && is_overlay_step(5)" tabindex="-1">Thank you</h3>
<p tabindex="-1"> Your question has been submitted to our moderators for review. We will send you an email once your question has been approved. </p>
</section> <input type="submit" value="submit" class="ng-hide" ng-disabled="!$root.show_ask_overlay" disabled="disabled">
<div ng-attr-aria-label="{{live_status}}" aria-live="polite" role="status" tabindex="-1" aria-hidden="true"></div> <span class="closebtn af-icon-cross-slim" role="button" aria-label="Close Overlay" tabindex="-1"></span>
</form><form id="form-send-link" class="ng-pristine ng-valid">
<p tabindex="-1" aria-hidden="true" role="text">Enter your cell phone number and we’ll send you a link to install the WalletHub app.</p>
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tabindex="0">
<input type="hidden" name="action" value="send_sms_android_link" autocomplete="off">
<input type="hidden" name="type" value="android" autocomplete="off">
<div class="notice" tabindex="0" role="text">Wallethub doesn’t charge for this service. Standard message rates apply. </div>
<button class="btn blue btn-send" type="submit">Send Link to My Phone</button>
<button class="btn blue btn-cancel blank">Cancel</button>
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CREDIT CARD OFFERS FOR MARCH 2024
WalletHub experts track 1,500+ offers to help you get the right credit card
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Credit Cards
Top Picks
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FAQ
By John Kiernan, Credit Card Editor
Updated Mar 5, 2024
Fact Checked: Alina Comoreanu, Sr. Researcher
By John Kiernan, Credit Card Editor
Updated Mar 5, 2024
Fact Checked: Alina Comoreanu, Sr. Researcher
Compare credit card offers to find the right card for you. WalletHub's credit
card comparison tools and expert recommendations make it easy to compare credit
cards with rewards, low interest rates, no fees, different credit score
requirements, and other features. Just use the filters to narrow down your
search (some cards are from our partners), find the best credit card for your
needs, and apply online.
WalletHub Shows You Cards Other Sites Won’t
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller
number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards
from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best
cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard
for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to
promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have
the same expertise)
POPULAR CREDIT CARD OFFERS IN MARCH 2024
* Low Intro APR & Bonus Rewards: Chase Freedom Unlimited®Chase Freedom
Unlimited®Learn MoreLearn Moreon issuer's website
* Rates & FeesEveryday Cash Back: Wells Fargo Active Cash® CardWells Fargo
Active Cash® CardLearn MoreLearn Moreon issuer's website
* Rates & FeesTerms ApplyGood Credit: Blue Cash Preferred® Card from American
ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon
issuer's website
* Rates & FeesBad Credit: Discover it® Secured Credit CardDiscover it® Secured
Credit CardLearn MoreLearn Moreon issuer's website
* Rates & Fees0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect®
CardLearn MoreLearn Moreon issuer's website
* Rates & FeesNo Credit: Capital One Platinum Credit CardCapital One Platinum
Credit CardLearn MoreLearn Moreon issuer's website
Ad Disclosure
Sort Cards
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* User Rating
* Rates – 0% on Purchases
* Rates – 0% on Transfers
* Rates – Regular Rate
* Rewards – Initial Bonus
* Rewards – Base Earn
* Rewards – Max Earn
Ad Disclosure
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DISCOVER IT® BALANCE TRANSFER
Rates & Fees
753 User Reviews
Rates & Fees
4.3 WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Lower Cost of Existing
Debt." A score of 5 is the best a card can receive, and the rating for the card
may vary on different pages where it is compared to other cards for different
needs.
Editor’s Rating
4.2
User Reviews
3.9
Market Comparison
4.4
fees: 5.0
cost: 4.3
APR: 4.4
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
0% for 18 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee
on future balance transfers (see terms)*
Regular APR
→
17.24% - 28.24% Variable
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Bonus Offer
None
Minimum Credit
Good
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Discover it® Balance Transfer card is an elite 0% interest
credit card for people with good credit or better. It offers introductory APRs
of 0% for 18 months on balance transfers and 0% for 6 months on new purchases,
followed by a regular APR of 17.24% - 28.24% Variable, depending on
creditworthiness. There is a 3% intro balance transfer fee, up to 5% fee on
future balance transfers (see terms)*, but like all other Discover credit cards,
Discover it® Balance Transfer has no annual fee and no foreign transaction fee.
Read our editor's full Discover it Balance Transfer review.
Pros
* No membership fees
* Intro APR on purchases
* Intro APR on balance transfers
* High rewards rate
Cons
* Spending caps on rewards
* Rotating categories which require activation
* Balance transfer fee
Rewards Details
* INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from
Discover. Discover will automatically match all the cash back you’ve earned
at the end of your first year! There’s no minimum spending or maximum
rewards. You could turn $150 cash back into $300.
* Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
other purchases—automatically.
* Redeem your rewards for cash at any time.
Additional Info
* Your account may not always be eligible for balance transfers. Balance
transfer eligibility is determined at Discover’s discretion.
* Discover could help you reduce exposure of your personal information online
by helping you remove it from select people-search sites that could sell your
data. It’s free, activate with the mobile app.
* No annual fee.
* Terms and conditions apply.
Pros, Cons, & Details Hide card details
Pros, Cons, & Details Hide Card Details
Compare
Compare
CAPITAL ONE QUICKSILVERONE CASH REWARDS CREDIT CARD
Rates & Fees
6,056 User Reviews
Rates & Fees
3.9 WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Improve Credit by Paying
in Full Each Month." A score of 5 is the best a card can receive, and the rating
for the card may vary on different pages where it is compared to other cards for
different needs.
Editor’s Rating
4.7
User Reviews
3.5
Market Comparison
3.9
fees: 2.8
rewards: 5.0
cost: 4.0
Other Features: 4.5
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
30.74% (V)
Annual Fee
$39
Rewards Rate
1.5 - 5% Cash Back
Bonus Offer
None
Minimum Credit
Limited History
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Capital One QuicksilverOne Cash Rewards Credit Card is a
very good credit card for people with limited or fair credit who want to earn
rewards. Capital One QuicksilverOne is worth the $39 annual fee if you spend at
least $780 to $2,600 per year (according to our calculations) and pay the bill
in full each month, thanks to rewards of 1.5 - 5% cash back and a high APR.
Read our editor's full Capital One QuicksilverOne review.
Pros
* 1.5% cash back on all purchases
* Available to people with limited or fair credit
* No foreign transaction fees
Cons
* $39 annual fee
* Above-average regular APR
Rewards Details
* Earn unlimited 1.5% cash back on every purchase, every day
* No rotating categories or limits to how much you can earn, and cash back
doesn't expire for the life of the account. It's that simple
* Enjoy up to 6 months of complimentary Uber One membership statement credits
through 11/14/2024
* Earn unlimited 5% cash back on hotels and rental cars booked through Capital
One Travel, where you'll get Capital One's best prices on thousands of trip
options. Terms apply
Additional Info
* Be automatically considered for a higher credit line in as little as 6 months
* Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible
for unauthorized charges
* Help strengthen your credit for the future with responsible card use
* Monitor your credit score with CreditWise from Capital One. It's free for
everyone
* Check out quickly and securely with a contactless card, without touching a
terminal or handing your card to a cashier. Just hover your card over a
contactless reader, wait for the confirmation, and you're all set
Pros, Cons, & Details Hide card details
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WELLS FARGO REFLECT® CARD
Rates & Fees
120 User Reviews
Rates & Fees
4.2 WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Finance New Purchases." A
score of 5 is the best a card can receive, and the rating for the card may vary
on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Purchase Intro APR
→
0% for 21 months from account opening
Transfer Intro APR
→
0% for 21 months from account opening on qualifying balance transfers |
Transfer Fee: 5% (min $5)
Regular APR
→
18.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Good
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Wells Fargo Reflect® Card is a good credit card that’s
worth it for people with good credit who want to avoid interest charges on new
purchases and qualifying balance transfers for 21 months after opening an
account. Wells Fargo Reflect also has a $0 annual fee.
Read our editor's full Wells Fargo Reflect review.
Pros
* No membership fees
* 0% intro APR on purchases
* 0% intro APR on qualifying balance transfers
* Reports to the three major credit bureaus
Cons
* No rewards
* No initial rewards bonus
* Balance transfer fee
* High regular APR
Additional Info
* Select “Apply Now” to take advantage of this specific offer and learn more
about product features, terms and conditions.
* 0% intro APR for 21 months from account opening on purchases and qualifying
balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance
transfers made within 120 days qualify for the intro rate, BT fee of 5%, min
$5.
* $0 Annual Fee.
* Up to $600 of cell phone protection against damage or theft. Subject to a $25
deductible.
* Through My Wells Fargo Deals, you can get access to personalized deals from a
variety of merchants. It's an easy way to earn cash back as an account credit
when you shop, dine, or enjoy an experience simply by using an eligible Wells
Fargo credit card.
Pros, Cons, & Details Hide card details
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FIRST TECH CHOICE REWARDS WORLD MASTERCARD®
168 User Reviews
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
13.50% - 18.00% (V)
Annual Fee
$0
Rewards Rate
1 - 2 points / $1
Bonus Offer
20,000 points
Bonus Offer
20,000 points
Minimum Credit
Good
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The First Tech Choice Rewards World Mastercard is a good
credit card for people with good credit or better thanks to its competitive
rewards and $0 annual fee. Pretty much anyone can join First Tech Credit Union,
and you can apply for membership at the same time you apply for the Choice
Rewards card. Just be prepared to provide your Social Security number as well as
your driver’s license or state ID information.
Read our editor's full First Tech Choice Rewards review.
Pros
* No membership fees
* High rewards rate
* 20,000 points initial rewards bonus
* No foreign fee
Cons
* No intro APR
Rewards Details
* 20,000 bonus points when you spend at least $3,000 in the first 60 days*
* 2x rewards points on everyday purchases, including gas, groceries, household
goods, and more. 1x rewards points on everything else.**
* Cash-back rewards, as well as travel, merchandise, gift card and
event/experience redemption options.
* *To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000
must post to account within 60 days of account opening. Rewards Points will
be awarded on the second statement following qualification for the bonus.
* **Certain terms, conditions and exclusions apply. First Tech does not have
the ability to control how a retailer chooses to classify their business and
therefore reserves the right to determine which purchases qualify for Rewards
Points.
Additional Info
* $0 Annual Fee. No balance transfer fees. No cash advance fees. No foreign
transaction fees.
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DISCOVER IT® CASH BACK
Rates & Fees
1,645 User Reviews
Rates & Fees
3.9 WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Finance New Purchases." A
score of 5 is the best a card can receive, and the rating for the card may vary
on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.9
User Reviews
3.8
Market Comparison
3.9
fees: 5.0
rewards: 3.3
cost: 3.8
APR: 3.9
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee
on future balance transfers (see terms)*
Regular APR
→
17.24% - 28.24% Variable
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Bonus Offer
None
Minimum Credit
Good
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Discover it® Cash Back is a good credit card that's worth
it for people with a credit score of 700+ who want a $0 annual fee and a high
rewards rate. Discover it® Cash Back offers 5% cash back on purchases in bonus
categories up to a quarterly maximum, and Discover will match the rewards you
earn the first year. The 5% bonus categories change quarterly and require
activation, though.
Read our editor's full Discover it Cash Back review.
Pros
* Rewards earned in the first year get doubled
* Up to 5% cash back
* No annual fee
* 0% intro rates for 15 months
Cons
* Potential for a very high regular APR
* Bonus reward categories rotate, require quarterly signup and limit earnings
* Balance transfer fee
Rewards Details
* INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from
Discover. Discover will automatically match all the cash back you’ve earned
at the end of your first year! There’s no minimum spending or maximum
rewards. You could turn $150 cash back into $300.
* Earn 5% cash back on everyday purchases at different places you shop each
quarter like grocery stores, restaurants, gas stations, and more, up to the
quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
other purchases—automatically.
* Redeem your rewards for cash at any time.
Additional Info
* Discover could help you reduce exposure of your personal information online
by helping you remove it from select people-search sites that could sell your
data. It’s free, activate with the mobile app.
* Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard
Variable Purchase APR applies, based on credit worthiness.
* No annual fee.
* Terms and conditions apply.
Pros, Cons, & Details Hide card details
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MISSION LANE VISA® CREDIT CARD
193 User Reviews
2.8 WalletHub Rating
WalletHub Rating
2.8
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Improve Credit by Paying
in Full Each Month." A score of 5 is the best a card can receive, and the rating
for the card may vary on different pages where it is compared to other cards for
different needs.
Editor’s Rating
2.9
User Reviews
3.6
Market Comparison
2.7
fees: 2.8
rewards: 0.0
cost: 2.9
Other Features: 4.5
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
26.99% - 29.99% (V)
Annual Fee
$0 - $59
Rewards Rate
None
Minimum Credit
Limited History
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Mission Lane Visa® Credit Card is a pretty good unsecured
credit card for people with below-average credit or limited credit history. It
offers a starting credit limit of $300+ and does not require a security deposit,
but it does have a high APR and an annual fee of $0 - $59.
Read our editor's full Mission Lane Card review.
Pros
* Qualify with limited or no credit history
* Does not require security deposit
Cons
* Membership fees
* No rewards
* High regular APR
* Foreign fee
Additional Info
* See if you qualify instantly without harming your credit score
* Be automatically considered for a higher credit line in as few as 7 months
* Free, online credit score access for cardholders
* Instant decision on your application
* No interest on purchases when you pay in full and on time each month
* No security deposit required - get started today!
* Enjoy coverage from Visa
* Access your account anytime, anywhere with the mobile app
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WELLS FARGO ACTIVE CASH® CARD
Rates & Fees
156 User Reviews
Rates & Fees
4.4 WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Earn Rewards." A score of
5 is the best a card can receive, and the rating for the card may vary on
different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase Intro APR
→
0% for 15 months from account opening
Transfer Intro APR
→
0% for 15 months from account opening on qualifying balance transfers |
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
→
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Minimum Credit
Good
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for
people with a credit score of 700 or higher who want to earn above-average
rewards without any hassle and without paying an annual fee. Wells Fargo Active
Cash also is worthwhile for people interested in 0% introductory APRs and
getting up to $600 in cell phone protection.
Read our editor's full Wells Fargo Active Cash review.
Pros
* $200 cash rewards bonus
* $0 annual fee
* 2% cash rewards on purchases
* 0% introductory APR
Cons
* High regular APR
* Foreign transaction fee
* Balance transfer fee
Rewards Details
* Earn a $200 cash rewards bonus after spending $500 in purchases in the first
3 months.
* Earn unlimited 2% cash rewards on purchases.
* No categories to track or remember and cash rewards don't expire as long as
your account remains open.
Additional Info
* Select “Apply Now” to take advantage of this specific offer and learn more
about product features, terms and conditions.
* 0% intro APR for 15 months from account opening on purchases and qualifying
balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance
transfers made within 120 days qualify for the intro rate and fee of 3% then
a BT fee of up to 5%, min: $5.
* $0 annual fee.
* Find tickets to top sports and entertainment events, book travel, make dinner
reservations and more with your complimentary 24/7 Visa Signature® Concierge.
* Up to $600 of cell phone protection against damage or theft. Subject to a $25
deductible.
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DESTINY MASTERCARD® CASHBACK REWARDS
52 User Reviews
2.2 WalletHub Rating
WalletHub Rating
2.2
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Rebuild Damaged Credit by
Paying in Full Each Month." A score of 5 is the best a card can receive, and the
rating for the card may vary on different pages where it is compared to other
cards for different needs.
Editor’s Rating
2.0
User Reviews
2.5
Market Comparison
2.2
fees: 1.5
rewards: 5.0
cost: 1.1
Other Features: 5.0
One-Time Fees
→
$0
Regular APR
→
35.9%
Annual Fee
$175 intro 1st yr, $49 after
Monthly Fee
$0 intro 1st yr, $12.50 per month after
Rewards Rate
1.5% Cash Back
Minimum Credit
Bad
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Destiny Mastercard® Cashback Rewards card is a very
expensive unsecured credit card for people with bad credit. It could potentially
be worth it if you need to borrow a small amount for an emergency and you can
take full advantage of the card’s rewards.
Read our editor's full Destiny Cashback Card review.
Pros
* Qualify with bad credit
* Does not require security deposit
Cons
* High membership fees
* High regular APR
* Foreign fee
Rewards Details
* Earn 1.5% cashback rewards on all of your eligible purchases!
Additional Info
* Reports to all three major credit bureaus
* Nationwide acceptance – use anywhere Mastercard is accepted in app, in store,
and online
* 24/7 access to your account, even on mobile!
* No security deposit needed
Pros, Cons, & Details Hide card details
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CAPITAL ONE PLATINUM CREDIT CARD
Rates & Fees
5,474 User Reviews
Rates & Fees
3.6 WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Improve Credit by Paying
in Full Each Month." A score of 5 is the best a card can receive, and the rating
for the card may vary on different pages where it is compared to other cards for
different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
30.74% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Limited History
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Capital One Platinum Credit Card is a good credit card for
people with average credit or who are new to credit. It is worth applying for
the Capital One Platinum Card because of its $0 annual fee and the fact that it
reports account information to the 3 major credit bureaus each month. That’s all
you need to build credit inexpensively. Just make sure to pay the monthly bills
on time and keep your balance well below Capital One Platinum’s credit limit.
Read our editor's full Capital One Platinum review.
Pros
* No annual fee
* Available to people with limited credit
* Free credit-score access
* No foreign transaction fee
Cons
* No rewards
* High regular APR
* No reduced introductory rates
Additional Info
* No annual or hidden fees. See if you're approved in seconds
* Be automatically considered for a higher credit line in as little as 6 months
* Help build your credit through responsible use of a card like this
* Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible
for unauthorized charges
* Monitor your credit score with CreditWise from Capital One. It's free for
everyone
* Get access to your account 24 hours a day, 7 days a week with online banking
from your desktop or smartphone, with Capital One's mobile app
* Check out quickly and securely with a contactless card, without touching a
terminal or handing your card to a cashier. Just hover your card over a
contactless reader, wait for the confirmation, and you're all set
* Pay by check, online or at a local branch, all with no fee - and pick the
monthly due date that works best for you
Pros, Cons, & Details Hide card details
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AVANT CREDIT CARD
238 User Reviews
2.9 WalletHub Rating
WalletHub Rating
2.9
This card has been scored using WalletHub’s proprietary credit card rating
system. We evaluated this card for various cardholder needs and picked the
rating for the need with the highest score, which is "Improve Credit by Paying
in Full Each Month." A score of 5 is the best a card can receive, and the rating
for the card may vary on different pages where it is compared to other cards for
different needs.
Editor’s Rating
4.4
User Reviews
2.6
Market Comparison
2.6
fees: 2.8
rewards: 0.0
cost: 2.8
Other Features: 4.5
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
35.99% Variable
Annual Fee
$39
Rewards Rate
None
Minimum Credit
Fair
Apply Now
Details & WalletHub's Take Details & WalletHub's Take
WalletHub's Take: The Avant Credit Card is a reasonably priced unsecured credit
card for people with fair credit, charging a $39 annual fee with no monthly
fees, no initial fee, and no deposit needed. The Avant Card also gives
cardholders a credit limit of $300 and reports account information to the three
major credit bureaus each month. That enables cardholders to improve their
credit standing as well as deal with unexpected emergency expenses that aren’t
affordable with cash on hand.
Read our editor's full Avant Card review.
Pros
* No foreign fee
* Qualify with fair credit
Cons
* Membership fees
* No rewards
* High regular APR
Additional Info
* No deposit required
* Reports to all three major credit bureaus
* No penalty APR
* No hidden fees
* We may periodically review your account for credit line increases
* Fast and easy application process
* Help strengthen your credit history with responsible use
* Disclosure: If you are charged interest, the charge will be no less than
$1.00. Cash Advance Fee: 3%, Min. $10
* Avant branded credit products are issued by WebBank, member FDIC
Pros, Cons, & Details Hide card details
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WALLETHUB'S RESEARCH
364
Research Hours
461
Companies Reviewed
1,402
Cards Reviewed
* Notable credit card offers
* How we picked the most notable credit card offers
* Popular credit card offers by company
* Sources
* Beginner's guide to credit card offers
* About the author
* Credit card offers FAQ
NOTABLE CREDIT CARD OFFERS
Credit Card Best For Annual Fee Credit Required Chase Freedom Unlimited® Low
Intro APR & Bonus Rewards $0 Good Wells Fargo Active Cash® Card Everyday Cash
Back $0 Good Blue Cash Preferred® Card from American Express Good Credit $0
intro 1st yr, $95 after Good Discover it® Secured Credit Card Bad Credit $0 Bad
Wells Fargo Reflect® Card 0% Intro APR $0 Good Capital One Platinum Credit Card
(see Rates & Fees) No Credit $0 Limited History
Picking the right credit card for your needs might seem a bit daunting, but
we've done the research to make things as easy as possible for you.
HOW WE PICKED THE MOST NOTABLE CREDIT CARD OFFERS
The notable credit card offers that WalletHub's editors decide to highlight are
selected after a comparison of more than 1,500 credit cards, spanning different
credit ratings, types of users, and features. Selections are ultimately made
according to how much each card can be expected to save its target user.
Although some cards may come from WalletHub partners, editors' picks are based
solely on cardholder savings.
POPULAR CREDIT CARD OFFERS BY COMPANY
Company Popular Credit Card Offer American Express Blue Cash Preferred® Card
from American Express Bank of America Bank of America® Customized Cash Rewards
credit card Barclays Lufthansa Credit Card Capital One Capital One Venture
Rewards Credit Card Chase Chase Freedom Unlimited® Citi Citi Double Cash® Card
Discover Discover it® Miles USAA USAA® Cashback Rewards Plus American Express®
Card U.S. Bank U.S. Bank Visa® Platinum Card Wells Fargo Wells Fargo Active
Cash® Card
BEGINNER’S GUIDE TO CREDIT CARD OFFERS
TYPES OF CREDIT CARDS
There are six main types of credit card offers you’re likely to come across. All
of them work pretty much the same way and will improve your credit if used
responsibly, but they differ in terms of certain special features or
requirements and who typically uses them.
1. Standard unsecured credit cards – These cards are what most people would
consider “normal credit cards.” Most credit card offers fit in this bucket.
2. Secured credit cards – These cards require a security deposit, the amount of
which acts as your spending limit. This makes it easy for people with
limited or bad credit to get approved.
3. Credit cards for students – Students tend to have above-average income
potential and lots of financial needs ahead of them, so they tend to get
better credit card offers than other people with limited credit history.
4. Small business credit cards – These cards offer rewards and other account
features tailored to business use. They also lack certain cardholder
protections that general-purpose cards provide.
5. Store credit cards – Store credit cards can only be used with affiliated
retailers, but they tend to be pretty easy to get, free to own, and highly
rewarding.
6. Charge cards – Charge cards require you to pay your bill in full every
month. They aren’t very common, but most of the charge card offers that are
still available offer good rewards.
It’s also worth pointing out that more than 1,500 credit card offers are
available, so how many different types of credit cards there are really depends
on how you look at it.
On the one hand, you could group cards based on whether they require you to
place a refundable security deposit. Secured credit cards do; unsecured credit
cards don’t.
You could also segment things based on where a card can be used. Credit cards
with the Visa, Mastercard, American Express or Discover logo can be used
anywhere. Store credit cards can only be used at the retailers they’re
affiliated with.
Or you could split up the offers based on whether they require you to pay your
bill in full every month. Charge cards do; other credit cards don’t. But at the
end of the day, finding the best credit card for your needs is all that really
matters.
4 THINGS TO KNOW BEFORE YOU APPLY FOR A CREDIT CARD OFFER
WHAT YOUR CREDIT SCORE IS
The very best credit cards require good credit or better, which means a 700+
credit score. There are credit cards for people of all credit levels, though,
including people with bad credit or no credit. Knowing where you stand will help
you identify the right cards to consider, and you can check your latest credit
score for free on WalletHub.
HOW YOU PLAN TO USE THE CREDIT CARD
If you plan to pay your bill in full every month, focus on comparing the cards’
rewards and annual fees. If you want to avoid interest, concentrate on credit
cards offering 0% introductory APRs on purchases or balance transfers, depending
on whether or not you already owe the money. And if you’re just trying to build
or rebuild your credit, aim for low fees and high approval odds.
HOW LONG YOU EXPECT TO KEEP THE ACCOUNT OPEN
Ongoing features such as annual fees and regular rewards rates become more and
more important the longer you plan to have the card. On the other hand, there
are times when it will make more sense to capitalize on short-term deals like
initial rewards bonuses and low intro APRs. When it comes to initial bonuses,
you’ll also want to make sure you’re in a position to spend enough to trigger
the bonus in the allotted time frame without overburdening yourself.
HOW SOON YOU’LL NEED YOUR CREDIT SCORE FOR A BIG-MONEY TRANSACTION
Applying for a new credit card account usually results in a hard inquiry into
your credit history, which can cause your credit score to drop a bit
temporarily. This shouldn’t be a problem unless you plan to apply for a mortgage
or an auto loan in the near future, however. You can estimate how long it will
take your score to recover using WalletHub’s Free Credit Score Simulator.
HOW TO COMPARE CREDIT CARD OFFERS
Once you know what you’re looking for, comparing credit card offers is easy.
You’re already in the right place, and we’ve got all the tools you need to make
the best selection. Just follow the steps below.
1. Use the first filter on this page to choose between personal, business and
student cards.
2. Use the second filter to remove offers you can’t qualify for based on your
credit score.
3. Use the third filter to select features you want, such as rewards, an intro
0% APR on purchases, 0% on balance transfers, a low regular APR, or no
annual fee.
4. Use the fourth filter to refine your options based on the card network,
issuer, foreign transaction fee, balance transfer fee, security deposit, and
more.
5. Set your filters and review the remaining cards.
6. Click the “Compare” box at the bottom right of an offer to add it to your
list of cards to compare.
7. Click the blue “Compare” button at the bottom of the screen. You’ll see the
offers you’ve flagged side by side, for a convenient comparison of their key
terms.
8. Read reviews for the cards you’re considering, to learn from other people’s
experiences.
If you’re still not quite sure what types of cards to target, WalletHub’s guide
to choosing a credit card should help. You can also sign up for a free WalletHub
account to get personalized credit card recommendations.
MISTAKES TO AVOID WHEN COMPARING CREDIT CARD OFFERS
COMPARING CARD TERMS THAT WON’T EVER AFFECT YOU
Focus on the features that will affect you the most. These are likely to include
rewards, annual fees and approval requirements. Interest rates might be worth
considering, too, depending on how you plan on using your card. If you plan on
paying your bill in full each month by the due date, the interest rate won’t
matter. Spending time and energy finding a card with a low APR is therefore
fruitless in that situation, and it might even cost you in areas you care
about.
Similarly, things like cash advance fees and balance transfer fees shouldn’t
matter if you never plan to use your card for either type of transaction. The
same can be said of features like airport lounge access, too.
APPLYING FOR A CREDIT CARD BEFORE COMPARING IT TO THE ALTERNATIVES
You can’t really tell how good a credit card offer is without comparing it to
what else is out there. A $100 bonus might sound pretty good, for example, but
it’s not so hot when you consider that bonuses worth 2-5+ times as much are
available. Similarly, 0% for 12 months is nothing to scoff at, unless you can
get 0% for 21 months, for example.
WalletHub makes it easy to put offers into context, as we track more than 1,500
credit card offers and provide tools to help you compare cards efficiently.
ASSUMING CREDIT CARDS WITH ANNUAL FEES ARE NOT AS GOOD
Cheaper is not always better when it comes to credit cards. Sure, when in doubt
or all else being equal, a lower annual fee is the way to go. However, paying a
fee can get you access to some of the best rewards offers on the market, and
it’s worthwhile if you’re a big spender. The best approach is to compare credit
card offers with and without fees to see which will save you the most money at
the end of the day.
TRUSTING BEST CARD LISTS BLINDLY
Certain other websites have biased best lists. They consider a very limited
universe of credit card offers in order to ensure the cards they call the best
come from advertising partners. In other words, these lists are better for the
sites than their users.
WalletHub is different, fortunately. We consider more than 1,500 credit card
offers when we select the best cards, and our picks are made based on what will
save cardholders the most money. You can check out our rating system to see for
yourself.
When you’re shopping for a credit card, you can use our transparent best picks
as a starting point for offers to compare. This will help you narrow down your
options to only an elite few, and then you can pinpoint the right one to apply
for.
Learn more about mistakes to avoid when comparing credit card offers.
SOURCES
WalletHub actively maintains a database of 1,500+ credit card offers, from which
we select the best options for different applicants as well as derive
market-wide takeaways and trends. The underlying data is compiled from credit
card company websites or provided directly by the credit card issuers. We also
leverage data from the Bureau of Labor Statistics to develop cardholder
profiles, used to estimate cards’ potential savings.
VALENTINE’S DAY SPENDING SURVEY
Whether you love it or loathe it, there’s no denying that Valentine’s Day is a
big deal. We spend billions of dollars on the occasion each year, and 2024 will
be no exception. Nevertheless, many people’s budgets will be constrained this
year, as 46% of Americans say inflation is affecting their Valentine’s Day
plans, according to a nationally representative survey conducted by WalletHub.
WalletHub’s survey aimed to find out more about how consumers are approaching
Valentine’s Day 2024, as well as the financial side of relationships more
generally. We asked about everything from holiday spending to financial
turn-offs and how money problems affect relationships. You can check out the
complete results in the infographic below.
KEY STATS
* Inflation Takes a Bite Out of Romance. 46% of Americans say inflation is
affecting their Valentine’s Day plans.
* V-Day Debt Is Worth It for Some People. Nearly 3 in 10 people think a
Valentine’s Day gift is worth going into credit card debt for.
* Financial Infidelity Hurts. 7 in 10 people think financial infidelity can be
worse than cheating.
* Some People Don’t Expect Purchased Gifts. 24% of Americans don’t expect their
Valentine to spend any money on a gift this year.
* Bad Credit Might Keep You Single. More than 1 in 3 people would not marry
someone with a bad WalletScore or bad credit.
* Bad Spending Habits Stink. 60% of Americans say that irresponsible spending
is a bigger turnoff than bad breath.
* Separate vs. Joint Accounts. More than 1 in 3 people think having separate
accounts is the best way to avoid money problems in a relationship.
ABOUT THE AUTHOR
JOHN S KIERNAN
John Kiernan has covered the credit card industry for more than 15 years as a
writer and editor for WalletHub. His work has been featured by major media
outlets such as The Washington Post, Fox News and The New York Times and has
been cited by industry regulators such as the Consumer Financial Protection
Bureau.
Twitter Email Full Bio
CREDIT CARD OFFERS FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on
your side. We encourage everyone to share their knowledge while respecting our
content guidelines. Please keep in mind that editorial and user-generated
content on this page is not reviewed or otherwise endorsed by any financial
institution. In addition, it is not the financial institution’s responsibility
to ensure all posts and questions are answered. WalletHub independently
collected information for some of the cards on this page....show more
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Sort Q&A
Most Popular
WHAT TIME OF YEAR ARE THE BEST CREDIT CARD OFFERS? REPLY 2 0
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Adam McCann, Financial Writer
@adam_mcan
Answer provided by user: Adam McCann, Financial Writer
The best time of year for credit card offers is the fourth quarter of the year,
October through December. During most years in the past decade, the average
credit card bonus has been highest in the fourth quarter, and the second half of
the year has historically been better than the first half. One reason why this
could be the case is that the end of the year includes the holiday shopping
season, so credit card companies want to entice people to spend more by offering
lucrative initial bonuses, as well as introductory 0% APRs.
It's worth noting, though, that the general trend for credit card offers is to
increase over time. For example, the average cash back credit card bonus
increased by 266% between the fourth quarter of 2011 and the fourth quarter of
2021. That’s good news for people who like to take advantage of a great credit
card deal each year.
Finally, remember that good credit card offers – whether for regular rewards,
initial bonuses, 0% introductory APRs or supplemental perks – can appear at any
time of the year. Issuers may be more likely to debut their best offers during
the fourth quarter of the year, but many offers stick around for months or even
years after they’re introduced.
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WHAT IS THE 5/24 RULE? REPLY 1 0
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Maria Adams, Credit Cards Moderator
@m_adams
Answer provided by user: Maria Adams, Credit Cards Moderator
The 5/24 rule is one of the criteria Chase used to have in order to qualify new
credit card accounts. When this rule was in effect, it meant that you couldn’t
get approved for most Chase credit cards if you had opened five or more personal
credit cards (from any card issuer) within the past 24 months. However, Chase no
longer takes this factor into consideration for their credit card applications.
According to Chase customer service,...
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WHAT ARE THE BEST CREDIT CARD DEALS RIGHT NOW? 22 0
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John S Kiernan, Credit Card Editor
@John
Answer provided by user: John S Kiernan, Credit Card Editor
The best credit card deals you can get right now include initial rewards bonuses
worth $500+, 0% intro APRs for as long as 15-21 months , and $0 fees for the
first year or longer. Lots of money-saving credit card deals are available right
now, but the details change often, so you should strike while the iron is hot.
As you consider the best credit card deals and pick a card, you should make sure
that you are able to take full advantage of the offer. For example, if you want
to get a card's initial bonus, you will usually need to be able to meet a
spending requirement within a certain time period. Or, if you get a card with a
0% introductory APR, you should create a plan to pay off all or most of your
balance by the time it ends.
* Chase Sapphire Preferred® Card: Winner
* Chase Sapphire Reserve®: Travel Rewards
* Wells Fargo Reflect® Card: 0% Intro APR
* Blue Cash Preferred® Card from American Express: Bonus Rewards
* Wells Fargo Active Cash® Card: Cash Back
* Choice Privileges® Select Mastercard®: Hotel Points
WalletHub's best credit card picks and ratings are completely independent and
not provided, commissioned, or endorsed by any issuer. Some offers may come from
WalletHub's advertising partners. WalletHub independently collected information
for some of the cards on this page.
View entire answer
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WHAT ARE THE EASIEST CREDIT CARDS TO GET APPROVED FOR? 33 0
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John S Kiernan, Credit Card Editor
@John
Answer provided by user: John S Kiernan, Credit Card Editor
The easiest credit cards for you to get approved for with bad credit or no
credit are secured credit cards because they require a refundable security
deposit that protects the issuer. Secured cards can help you avoid annual fees,
add to your credit history with the 3 major credit bureaus, and even earn
rewards of 1% or more on your purchases. To help you maximize your odds of
approval for a credit card, we compared the approval requirements for more than
1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get
* Best Overall: OpenSky® Plus Secured Visa® Credit Card
* Best for No Annual Fee: Petal® 2 Visa® Credit Card
* Best for After Bankruptcy: Capital One Quicksilver Secured Cash Rewards
Credit Card
* Best for Students: Capital One SavorOne Student Cash Rewards Credit Card
* Best for No Credit: Capital One Platinum Credit Card
* Best Unsecured Card: Indigo® Mastercard® for Less than Perfect Credit
It’s important for you to get a good credit card because credit cards are the
best credit-building tools available to us. Nearly all of them report
information to the major credit bureaus on a monthly basis, and unlike loans,
they don’t require you to incur any debt. Some credit cards are much easier to
get approved for than others, though. You can learn all about the best easy
approval credit cards below, which include both secured cards and unsecured
cards for bad or no credit. Using one of these cards responsibly can help you
eventually transition to one of the best credit cards overall.
WalletHub Shows You Cards Other Sites Won’t
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller
number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards
from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best
cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard
for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to
promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have
the same expertise)
WalletHub's best credit card picks and ratings are completely independent and
not provided, commissioned, or endorsed by any issuer. Some offers may come from
WalletHub's advertising partners. WalletHub independently collected information
for some of the cards on this page.
View entire answer
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WHAT ARE THE BEST FREE CREDIT CARDS? 23 0
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WalletHub
@WalletHub
Answer provided by user: WalletHub
A free credit card is an offer with no annual fees, monthly fees or one-time
membership fees. Some free credit cards also have 0% introductory interest
rates, $0 balance transfer fees and no foreign transaction fees. The best free
cards are usually reserved for people with good or excellent credit, but no-fee
options are available to people of all credit levels (some cards are from
WalletHub partners). Even folks with bad credit can usually find a free credit
card, as long as they’re willing to place a refundable deposit.
People Trust WalletHub
WalletHub’s credit card experts are committed to helping users find the best
credit cards for their needs, above all else. That’s why we use a data-driven
approach to compare more than 1,500 credit card offers across the website,
removing subjectivity from the equation, and it’s why we have developed the most
robust credit card rating system and abide by a strong editorial policy.
1,500+ credit cards tracked site-wide
100-point proprietary rating system
75,000+ data points tracked site-wide
100% editorial independence
15 years of experience
We tell you about cards other sites won’t
4 Best Free Credit Cards (March 2024)
* Winner: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn
Moreon issuer's website
* Rates & FeesRewards: Wells Fargo Active Cash® CardWells Fargo Active Cash®
CardLearn MoreLearn Moreon issuer's website
* Rates & FeesBuilding Credit: Capital One Platinum Credit CardCapital One
Platinum Credit CardLearn MoreLearn Moreon issuer's website
* Rates & FeesTravel Rewards: Capital One VentureOne Rewards Credit CardCapital
One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
View entire answer
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23 Upvotes
WHAT ARE THE 3 BEST CREDIT CARDS TO HAVE? REPLY 25 0
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Adam McCann, Financial Writer
@adam_mcan
Answer provided by user: Adam McCann, Financial Writer
The 3 best credit cards to have are the Wells Fargo Active Cash® Card, the Chase
Sapphire Preferred® Card, and the Wells Fargo Reflect® Card. Having these cards
in your wallet gives you access to great cash back rewards, a big initial bonus,
travel rewards and 0% financing.
Top 3 Credit Cards of March 2024
* Wells Fargo Active Cash® Card: Best for Cash Back
* Chase Sapphire Preferred® Card: Best Initial Bonus
* Wells Fargo Reflect® Card: Best for 0% APR
Of these three cards, the best all-around option is...
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SHOULD I GET A CREDIT CARD? REPLY 24 0
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WalletHub
@WalletHub
Answer provided by user: WalletHub
Yes, you should get a credit card. You should get your own credit card account
if you’re at least 18 years old, and you should get a parent to make you an
authorized user on their credit card account when you are too young to get a
credit card alone. There are many reasons to get a credit card, including
convenience and earning rewards on purchases, but the best benefit is building
the credit history...
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11 0
24 Upvotes
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EXPERT OPINIONS
To help educate people on the possibilities, we asked a panel of experts to
share their thoughts on the following questions. You can meet our expert panel
and check out their comments below.
1. Should everyone have at least one credit card?
2. Has it become easier or harder to get a credit card in recent years?
3. Are credit cards safer now than before the Great Recession?
4. What tips do you have for someone who is applying for a credit card?
5. Are consumers good at picking credit cards? What are the biggest pitfalls?
Emily Baisden
MS, AFC®, Adjunct Instructor, University of Northern Iowa, College of Social and
Behavioral Sciences
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Gokce A. Soydemir
Professor, California State University, Stanislaus
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Tiray Johnson
Assistant Professor of Finance & Economics, Concordia University, St. Paul
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Wade Lindenberger
Lecturer, University of California, San Diego, Rady School of Management
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Jacob Tenney
Ph.D., CFP®, Assistant Professor, Director of Financial Planning and Financial
Literacy, School of Business and Leadership, University of Charleston
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Stanley D. Longhofer
Ph.D., Professor and Stephen L. Clark Chair of Real Estate and Finance,
Director, WSU Center for Real Estate, Wichita State University, W. Frank Barton
School of Business
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More Experts
BEST CREDIT CARDS IN NEARBY CITIES
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Credit Cards for Bad Credit
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Credit Cards for Fair Credit
Rewards Credit Cards
WalletHub is committed to transparency and editorial independence. The
information about the following cards has been independently collected by
WalletHub: Petal® 2 Visa® Credit Card, U.S. Bank Visa® Platinum Card, Citi
Double Cash® Card, Bank of America® Customized Cash Rewards credit card,
Lufthansa Credit Card, and USAA® Cashback Rewards Plus American Express® Card
We work hard to show you up-to-date product terms, however, this information
does not originate from us and thus, we do not guarantee its accuracy. Actual
terms may vary. Before submitting an application, always verify all terms and
conditions with the offering institution. Please let us know if you notice any
differences.
Ad Disclosure: Certain offers that appear on this site originate from paying
advertisers, and this will be noted on an offer’s details page using the
designation "Sponsored", where applicable. Advertising may impact how and where
products appear on this site (including, for example, the order in which they
appear). At WalletHub we try to present a wide array of offers, but our offers
do not represent all financial services companies or products.
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