ADVERTISING DISCLOSURE
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.

September 2021
top credit cardsFROM
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 most popular credit cards offered by our partners.
Show more
  • Excellent / Good Credit
  • Fair Credit
  • Bad Credit
  • Limited / No Credit
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Rating 3.5

  • 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

9.99%
APR on Purchases
Annual Fee
$48
Regular APR
9.99% (Fixed)
Late Payment Fee
Up to $38
Credit Line from
$200
Security Deposit
$200
Credit Line
Activate Today with a refundable Security Deposit, Minimum $200, Maximum $1,000.
Credit Line Increase
Increase Your Credit Limit up to $5,000
Instant Response
Instant Response
Yes
Card Network
Visa®
Credit Check
No
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Rating 3.4

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

our choice

Credit Line from
$200
Security Deposit
$200
Credit Line
The refundable deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Credit Line Increase
Request an increase at any time.
No Credit Check
Card Network
Visa®
Card Type (secured/unsecured)
Secured
Regular APR
17.39% (variable)
Annual Fee
$35
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere
Apply for Capital One Platinum Secured - Credit-Land.com APPLY

on Capital One's secure website

Limited, Bad Credit

our choice

Rating 3.8

  • Click "APPLY ONLINE" to apply now
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Late Payment Fee
Up to $40
Credit Line
Increase
Available
Security Deposit
$49, $99 or $200
Credit Line
You'll get an initial credit line of $200
Credit Line Increase
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 4.0

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • 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
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • $0 fraud liability
  • Checking Account Required

our choice

Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes
Credit Line from
$300
Security Deposit
$300
Credit Line
Initial refundable deposit of $300 becomes your credit limit
Credit Line Increase
Free automatic account reviews for credit limit increases
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere
Apply for Citi<sup>®</sup> Secured Mastercard<sup>®</sup> - Credit-Land.com APPLY

on Citi's secure website

Limited History/No Credit/New to Credit

our choice

Rating 3.8

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.

our choice

$0
Annual Fee
Annual Fee
$0
Regular APR
22.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Late Payment Fee
Up to $40
Credit Line from
$
Security Deposit
A security deposit is required for this product (minimum $200)
Credit Line
See terms
Credit Line Increase
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

our choice

Rating 4.5

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return 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

$0
Annual Fee
Annual Fee
$0
Regular APR
22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee
None the first time you pay late. After that, up to $40.
Credit Line from
$200
Security Deposit
$200
Credit Line
Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
Credit Line Increase
Upon approval
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

our choice

Rating 3.2

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.

our choice

18.9%
APR on Purchases
Annual Fee
$39.00
Regular APR
18.90% (fixed)
Late Payment Fee
Up to $40
Credit Line from
$200
Security Deposit
Choose between $200 and $1,000.
Credit Line
The collateral deposit you provide becomes the credit limit.
Credit Line Increase
After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

our choice

Rating 3.7

  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.

our choice

12.99%
APR on Purchases
Annual Fee
$49
Regular APR
12.99% (V)
Late Payment Fee
See terms*
Credit Line from
$200
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

our choice

No Credit Check
Card Network
Mastercard®
Card Type (secured/unsecured)
Secured
Regular APR
19.99% (V)
Annual Fee
$29
Credit Line from
$200
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

our choice

No Credit Check
Card Network
Mastercard®
Card Type (secured/unsecured)
Secured
Regular APR
9.99% (V)
Annual Fee
$49
$200
Credit Limit
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

our choice

Rating 3.1

  • 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; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • 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.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

our choice

No Credit Check
Card Network
Mastercard®
Card Type (secured/unsecured)
Secured
Regular APR
13.99% (V)
Annual Fee
$39
Credit Line from
$200
Security Deposit
$200
Credit Line
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Increase
Up to $5,000 (subject to credit approval).
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
No

our choice

Rating 3.1

  • Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Gold Secured Mastercard® details

our choice

Credit Line from
$200
Security Deposit
No
Credit Line
$200
Credit Line Increase
See terms
$200
Credit Limit
Security Deposit
No
Credit Line
$200
Credit Line Increase
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
No
Card Usage
Use Anywhere
Credit Check
No

our choice

Rating 3.1

  • Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Platinum Secured Mastercard® details

our choice

Credit Line from
$200
Security Deposit
No
Credit Line
$200
Credit Line Increase
See terms
$200
Credit Limit
Security Deposit
No
Credit Line
$200
Credit Line Increase
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
No
Card Usage
Use Anywhere
Credit Check
Yes
SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

Our Partners' Best Credit Cards
for Every Customer

When Credit-Land.com talks about the best credit card offers available right now, we aren't just talking about great credit cards with the hottest offers, the lowest interest rates, or the sweetest rewards. Here, at Credit-Land.com, we make a thorough comparison of the best credit cards in the USA and select a best credit card for each of our customers - and that's not going to be the same card in every case. Our priority is to get you approved for the right card for you.

  1. When you wonder "how to find the best credit card for me", you should remember about your own unique credit history and why you need a credit card. That's why we don't simply show you the most popular new cards or several top credit cards. Credit-Land.com will always tell you what level of credit is required for each card on our site, so you could evaluate your chances to qualify for it. Thus, know your credit history before you apply for a credit card.
  2. There's a card for every need - bad credit, good credit, business or personal. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Credit-Land.com is your guide to the best of the best credit card offers.
  3. Every time you submit a new credit card application, a hard inquiry is made to your credit report and your credit can be affected. Use our tools to make sure you're applying for the right card and increase your chances of getting approved.

There's a card for every need - bad credit, good credit, business or personal. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Credit-Land.com is your guide to the best of the best credit card offers.

There's a card for every need - bad credit, good credit, business or personal. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Credit-Land.com is your guide to the best of the best credit card offers.

  • When you wonder "how to find the best credit card for me", you should remember about your own unique credit history and why you need a credit card. That's why we don't simply show you the most popular new cards or several top credit cards. Credit-Land.com will always tell you what level of credit is required for each card on our site, so you could evaluate your chances to qualify for it. Thus, know your credit history before you apply for a credit card.
  • There's a card for every need - bad credit, good credit, business or personal. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Credit-Land.com is your guide to the best of the best credit card offers.
  • Every time you submit a new credit card application, a hard inquiry is made to your credit report and your credit can be affected. Use our tools to make sure you're applying for the right card and increase your chances of getting approved.
Show more

Don't know
what to choose?

FIND A CREDIT CARD FOR YOUR NEEDS IN 3 EASY STEPS!

USE TOOL

questionsABOUT
CREDIT CARDS

How to get the best credit card?

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...

Read more
Are there any cards available to Canadians?

We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.

Read more
How do store credit cards work?

Store credit cards are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing store. That means you won’t be able to use store cards...

Read more
See all questions

NOT SURE WHICH CARD TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

comments ABOUT
BEST CREDIT CARDS

must read FEATURED NEWS
AND RELATED RESEARCH

News: New Rewards Credit Card by M1 - Credit-Land.com
Sep 14, 2021

New Rewards Credit Card by M1

We've seen credit cards offering travel rewards or ...

Citi Premier® Card - A World Elite Mastercard Travel Credit Card

Citi Premier® Card - A World Elite Mastercard Travel Credit Card

Citi, a Credit-Land.com advertising partner, offers the Citi Premier® Card, which gives elevated...

EXPLORE MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!