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Credit cards

Best credit cards in USA for today.

Best Credit Cards in August 2022

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The Mission Lane Visa® Mission Lane LLC
Annual Fee:
$0 - $59
Regular APR:
26.99% - 29.99% Variable
Our Rating:
3.05
scorer
Сredit score
No Credit History to Fair (0-669)
    • Issuer name:
      Transportation Alliance Bank
    • Details:

      The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

      The annual fee for this card is $0 – $59.

      Read full review

    • Pros:
      • Higher credit lines
      • Reports to the three major credit bureaus
      • Instant credit decision
    • Cons:
      • High variable purchase APR
      • Annual fees up to $59
      • No rewards
      • Foreign transaction fee
      • Not available to everyone
    • Benefits:
      • Clear pricing & no hidden fees;
      • Higher credit lines over time;
      • The tools to help build your credit;
      • Credit-building education;
      • Instant credit decision;
      • All the coverage of Visa®.
    View all The Mission Lane Visa® details
    Apply now
    On Transportation Alliance Bank‘s site
    Card detail

    The Bank of Missouri FIT Mastercard® best for Unsecured

    FIT Mastercard® The Bank of Missouri
    Annual Fee:
    $99 annually
    Regular APR:
    29.99% Variable
    Our Rating:
    3.9
    scorer
    Сredit score
    No Credit History to Poor (0-579)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The Fit Mastercard Credit Card helps to rebuild or build your credit.

        The Fit Mastercard Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

        The FIT Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

        Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

        Read full review

      • Pros:
        • Credit may increase with time
        • Low eligibility requirements
        • Reasonable credit limit
        • No Security deposit
        • Credit Score Access
      • Cons:
        • High extra fees
        • High APR
        • Foreign Transaction Fee
        • No reward program
        • No Sign up Bonus
      • Benefits:
        • $0 Fraud Liability;
        • Initial Credit Limit of $400;
        • Potential Credit Limit Increase After Just 6 Months;
        • Free Monthly Credit Score;
        • Reports to All Three Major Credit Bureaus.
      View all FIT Mastercard® details
      Apply now
      On The Bank of Missouri‘s site
      Card detail

      Celtic Bank Reflex Mastercard®​ best for Unsecured

      Reflex Mastercard®​ Celtic Bank
      Annual Fee:
      $75 - $99 for the first year $99 after the first year
      Regular APR:
      24.99% - 29.99% Variable
      Our Rating:
      3.8
      scorer
      Сredit score
      No Credit History to Good (0-739)
        • Issuer name:
          Celtic Bank
        • Details:

          The Reflex Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

          With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

          Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

          Read full review

        • Pros:
          • Chance to get a higher credit limit
          • All credit scores are welcome to apply
          • Reports to three bureaus
          • Check if you prequalify without affecting your credit score
          • No deposit required
        • Cons:
          • No rewards
          • High Regular APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • Benefits:
          • $0 Fraud Liability;
          • Potential Credit Limit Increase After Just 6 Months;
          • Free Monthly Credit Score;
          • Monthly Reporting to All Three Major Credit Bureaus;
          • Credit Protection program.
        View all Reflex Mastercard®​ details
        Apply now
        On Celtic Bank‘s site
        Card detail

        Upgrade Cash Rewards Visa® best for Good credit score

        Upgrade Cash Rewards Visa®
        Annual Fee:
        $0
        Regular APR:
        8.99% - 29.99% Regular
        Our Rating:
        4.35
        scorer
        Сredit score
        Fair to Excellent (580-799)
        • Rewards Rate:
          • 1.5% Cash Back on payments.
        • Intro Offer:
          • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
        • Details:

          The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

          Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

          The card's APR: 8.99% - 29.99% (Regular APR).

          Read full review

        • Pros:
          • No Foreign Transaction Fee
          • No Annual fee
          • No extra fees
        • Cons:
          • No Intro APR reriod
        • Benefits:
          • $200 bonus;
          • 1.5% Cash Back;
          • Сontactless card technology.

          *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

        View all Upgrade Cash Rewards Visa® details
        Apply now
        On Upgrade‘s website
        Card detail
        First Access Visa® The Bank of Missouri
        Annual Fee:
        $75 annual fee for first year $48 annually
        Regular APR:
        34.99%
        Our Rating:
        4.2
        scorer
        Сredit score
        No Credit History to Fair (0-669)
          • Issuer name:
            The Bank of Missouri
          • Details:

            The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

            The First Access Visa Card's APR: 34.99%.

            The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

            Read full review

          • Pros:
            • Available to those with bad credit
            • Reports to three major credit bureaus
            • Easy application
            • No security deposit
          • Cons:
            • High APR
            • Several fees
            • Low credit limit
            • No rewards
          • Benefits:
            • First Access Visa credit card accepted nationwide;
            • Rebuild your credit;
            • Easy and Secure Online Application.
          View all First Access Visa® details
          Apply now
          On The Bank of Missouri‘s site
          Card detail
          Upgrade Triple Cash Rewards Visa® Upgrade
          Annual Fee:
          $0
          Regular APR:
          8.99% - 29.99% Regular
          Our Rating:
          3.84
          scorer
          Сredit score
          Fair to Excellent (580-799)
          • Rewards Rate:
            • 3% Cash Back on Home, Auto and Health categories.
            • 1% Cash Back on everything else.
          • Intro Offer:
            • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
          • Details:

            The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

            Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

            The card's APR: 8.99% - 29.99% (Regular APR).

            Apply online and get a credit line from $500 to $25,000 with your Card.

            Read full review

          • Pros:
            • Every Purchase Earns You Cash Back
            • Increased Cash Back for Three Categories
            • Forget About Fees
            • No Limits Abroad
          • Cons:
            • You Can’t Withdraw Cash
            • Cash Back Doesn’t Satisfy Your Monthly Payments
          • Benefits:
            • $200 bonus;
            • 3% Cash Back on home, auto and health purchase;
            • 1% Cash Back on everything else;
            • Сontactless card technology.

            *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

          View all Upgrade Triple Cash Rewards Visa® details
          Apply now
          On Upgrade‘s website
          Card detail
          Merit Platinum
          Annual Fee:
          See website for details*
          Regular APR:
          None
          Our Rating:
          3.8
          scorer
          Сredit score
          No Credit History to Poor (0-579)
            • Details:

              The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

              The card provides you with a merchandise credit line of $750*.

              Read full review

            • Pros:
              • Fast and Easy Application
            • Cons:
              • Valid at the Horizon Outlet store
            • Benefits:
              • $750 Merchandise Credit Line*;
              • No Employment or Credit Check.
            View all Merit Platinum details
            Apply now
            On Meritplatinum‘s website
            Card detail

            Celtic Bank Surge Mastercard® best for Walmart purchases

            Surge Mastercard® Celtic Bank
            Annual Fee:
            $75 - $99 annually $99 annually
            Regular APR:
            24.99% - 29.99% Variable
            Our Rating:
            3.2
            scorer
            Сredit score
            No Credit History to Poor (0-579)
              • Issuer name:
                Celtic Bank
              • Details:

                The Surge Mastercard credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

                The Surge credit card has an annual fee of $75 to $99 (after that $99 annually).

                Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

                There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

                This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

                Read full review

              • Pros:
                • Monthly Credit Reporting
                • Free Monthly Credit Score
                • Potential Credit Limit Increase After 6 Months
                • Prequalification Without a Hard Check
              • Cons:
                • High Annual Fee
                • Relatively Low Credit Limit
                • Foreign Transaction Fee
                • Monthly Maintenance Fee After the 1st year
                • High APR
              • Benefits:
                • $0 Fraud Liability;
                • Monthly reporting to the three major credit bureaus;
                • Possible credit limit increase after just six months;
                • Free Monthly Credit Score.
              View all Surge Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail
              Revvi MRV Banks
              Annual Fee:
              $75 for the first year $48 after *
              Regular APR:
              34.99% *
              Our Rating:
              4.1
              scorer
              Сredit score
              Rebuilding Credit to Fair (0-669)
              • Rewards Rate:
                • 1% Cash Back on payments made to your Revvi Credit Card. ^^
              • Issuer name:
                MRV Banks
              • Details:

                The Revvi Card is designed for people with poor credit or no credit.

                The Revvi Card comes with a 1% Cash Back on payments.

                The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 34.99%.

                Read full review

              • Pros:
                • No Foreign Transaction Fee
                • Cash Back
              • Cons:
                • Annual Fee
                • Extra Fees
              • Benefits:
                • 1% Cash Back Rewards;
                • Reports monthly to all three major credit bureaus;
                • Fast and easy application.
              View all Revvi details
              Apply now
              On the Revvi secure website
              Card detail

              WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

              Petal® 2 “Cash Back, No Fees” Visa® WebBank
              Annual Fee:
              $0
              Regular APR:
              15.24% - 29.24% Variable
              Our Rating:
              3.8
              scorer
              Сredit score
              No Credit History to Excellent (0-799)
              • Rewards Rate:
                • 1% - 1.5%:
                • Cash Back after making 12 on-time monthly payments.
                • 2% - 10%:
                • Cash Back from select merchants.
              • Issuer name:
                WebBank
              • Details:

                The Petal 2 Card has no fees of any kind and is designed to help you build credit.

                The credit limit is from $500 - $10,000.

                Grow your credit score with responsible spending and on-time payments.

                Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

                Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

                Read full review

              • Pros:
                • No annual fee
                • No returned payment fee
                • No foreign transaction fee
                • You can apply even if you have no credit history
                • No late fees
              • Cons:
                • No signup bonus
                • Cash advances are not permitted
                • Those who filed for bankruptcy may be rejected
                • Balance transfers are not allowed
                • No intro APR offer
              • Benefits:
                • No foreign transaction fee;
                • Petal 2 reports to all 3 major credit bureaus;
                • Qualify with average credit.
              View all Petal® 2 “Cash Back, No Fees” Visa® details
              Apply now
              On WebBank‘s site
              Card detail
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