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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

January 2021
best credit cards FROM
OUR PARTNERS

What's the best credit card to apply for in 2021? Well, it depends on you and the question should be put a bit differently: "What credit card is best for me?" Cards may have big rewards, low interest rates, or balance transfer offers. You may find a perfect credit card for you, and Credit-Land.com shows you the most popular credit cards offered by our partners.

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  • Offers of January 2021
  • Bad Credit
  • Fair / Good Credit
  • Excellent Credit
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – 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.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Apply for Discover it® Miles - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
10.99% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (14 months on Purchases)

Ongoing APR on Purchases:
11.99% - 22.99% Variable APR

Annual Fee: $0

Rewards Bonus

UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Rewards

Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our 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
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months on Purchases)

Intro APR on Balance Transfers:
0% (15 months on Balance Transfers)

Ongoing APR:
13.49% - 23.49% (Variable)

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Apply for Discover it® chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.

Rewards

Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$95
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • NEW! Earn 3 Points at Restaurants and Supermarkets
  • Earn 3 Points at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • NEW! Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

our choice

60,000 bonus ThankYou® Points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

NEW! Earn 3 Points at Restaurants and Supermarkets

Earn 3 Points at Gas Stations, Air Travel and Hotels

Earn 1 Point per $1 spent on all other purchases

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Citi<sup>®</sup> Double Cash Card – 18 month BT offer - Credit-Land.com

Rating 4.7

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months on Balance Transfers)

Ongoing APR on Balance Transfers:
13.99% – 23.99% (Variable)

Annual Fee: $0

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Reporting to the Major Consumer Reporting Agencies

Apply for Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
0% (18 months on Purchases)
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Annual Fee
$0
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (18 months on Purchases)

Intro APR on Balance Transfers:
0% (18 months on Balance Transfers)

Ongoing APR:
14.74% - 24.74% (Variable)

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$99, waived for first 12 months
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

50,000 AAdvantage® miles

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

Rewards

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases

Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Verizon Visa® Card - Credit-Land.com

Rating 4.7

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
Balance Transfer Fee
$5 or 5%
Annual Fee
$0
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
  • “You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.“
  • No annual or foreign transaction fees.
  • To learn more see www.verizon.com/verizonvisacard for details.

our choice

Annual Fee: $0

Get up to $100 credit

New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.

Rewards

Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.

“You can earn rewards in the form of Verizon Dollars:

4% on grocery store & gas purchases.

3% on dining purchases, including takeout.

2% on Verizon purchases (including monthly wireless bill).

1% on all other purchases everywhere Visa Credit Cards are accepted.“

Foreign Transaction Fee: None

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Secured Mastercard® from Capital One - Credit-Land.com

Rating 3.8

APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Card Type
Secured
Regular APR
26.99% (Variable)
Annual Fee
$0
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Click "APPLY ONLINE" to apply now
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

our choice

Card Type
Unsecured Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Card Type
Unsecured Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Choose which account management options are right for you.
  • Build credit with First PREMIER**
  • Fill out an application and know in 60 seconds if you’re approved!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Principal Platinum - Credit-Land.com

Rating 3.5

APPLY

Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Card Type
Secured
Regular APR
9.99% (Fixed)
Annual Fee
$48
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.

our choice

Instant Response

Loans up to $2,500

Apply for Merit Platinum Card - Credit-Land.com

Rating 3.5

APPLY

Fair/Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Discover it® Secured - Credit-Land.com

Rating 4.5

APPLY

on Discover's secure website

New/Rebuilding

our choice

Card Type
Secured
Regular APR
22.99% Variable APR
Annual Fee
$0
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

our choice

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Foreign Transaction Fee: None

our choice

Card Type
Secured
Regular APR
19.99% (V)
Annual Fee
$29
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Card Type
Unsecured
Regular APR
See terms
Annual Fee
See terms
Guaranteed Approval
No
Reporting Credit Bureaus
Yes
  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

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Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
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Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our 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
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Discover it® Student chrome - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (6 months on Purchases)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (6 months on Purchases)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a $50 statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
25.90% - 29.99% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$75 - $99
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
See Terms
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use everywhere Visa cards are accepted nationwide.

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See terms
Balance Transfer Fee
N/A
Annual Fee
See terms
  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See terms
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Indigo® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair / Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
24.9%
Balance Transfer Fee
N/A
Annual Fee
$0 - $99
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

our choice

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Miles - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
10.99% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (14 months on Purchases)

Ongoing APR on Purchases:
11.99% - 22.99% Variable APR

Annual Fee: $0

Rewards Bonus

UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Rewards

Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Apply for Citi Premier<sup>®</sup> Card - Credit-Land.com

Rating 4.4

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% - 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Annual Fee
$95
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • NEW! Earn 3 Points at Restaurants and Supermarkets
  • Earn 3 Points at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • NEW! Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

our choice

60,000 bonus ThankYou® Points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Rewards

NEW! Earn 3 Points at Restaurants and Supermarkets

Earn 3 Points at Gas Stations, Air Travel and Hotels

Earn 1 Point per $1 spent on all other purchases

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – 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.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR