Credit card ledger

Find the card that fits your life. Compare fees, rewards and APR in minutes.

Pick your situation, check the key number
Who it's for Compare
First card or building credit Approval needs and annual fee Compare
Pulse pick Everyday cashback Flat rate vs rotating categories Compare
Carrying a balance 0% intro APR length and transfer fee Compare
Travel and miles Foreign transaction fee and bonus spend Compare
Students No annual fee and credit-building tools Compare
  • Key numbers before perks, on every card
  • The fine print explained in plain words
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Recently added

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Credit One Bank Platinum Visa® for Rebuilding Credit

Visa · unsecured

Best for: Consumers rebuilding credit who want an unsecured Visa card and can benefit from cash back on select everyday spending categories.

Annual fee
$75
APR
29.74%
Rewards
—
Sign-up bonus
—

The Credit One Bank Platinum Visa® for Rebuilding Credit may fit consumers seeking an unsecured credit-building card with limited cash back rewards, but the high variable APR and $75 first-year annual fee, increasing to $99 thereafter, make it important to compare costs with other credit-building options.

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Chase Freedom® Student Credit Card

Visa · student

Best for: Best for students seeking to establish credit with a low-cost option.

Annual fee
No annual fee
APR
19.99%
Rewards
—
Sign-up bonus
—

The Chase Freedom® Student Credit Card offers a solid entry point for students looking to build credit while earning cash back on purchases.

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G

Grow Credit Mastercard

Mastercard

Best for: People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.

Annual fee
No annual fee
APR
—
Rewards
—
Sign-up bonus
—

Grow Credit takes a unique approach — rather than traditional spending, it pays your existing subscription bills (Netflix, Spotify, etc.) and reports those payments to all three credit bureaus. The free tier covers one subscription, and paid tiers cover more. It's a passive way to build credit without changing your spending habits.

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Navy Federal nRewards Secured Credit Card

Visa

Best for: Military members building credit who want rewards

Annual fee
No annual fee
APR
15.65%
Rewards
—
Sign-up bonus
—

Rare secured card that offers rewards. Low APR plus no annual fee makes it one of the best secured cards available.

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N

Nordstrom Credit Card

cashback

Best for: Regular Nordstrom shoppers who value early sale access and alterations

Annual fee
No annual fee
APR
25.15%
Rewards
—
Sign-up bonus
—

A straightforward department store card with early sale access — good for loyal Nordstrom shoppers but the 3% return is average.

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S

Southwest Rapid Rewards® Plus Credit Card

Visa · cashback

Best for: Frequent Southwest travelers with good credit who prefer to earn rewards on airline purchases.

Annual fee
$69
APR
22.99%
Rewards
—
Sign-up bonus
—

This card is ideal for frequent Southwest flyers who value earning points on airline-related purchases. However, the high APR range of 21.49%-28.49% can be a disadvantage for those carrying a balance.

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D

Delta SkyMiles Gold American Express Card

Amex · cashback

Best for: Best for those who frequently fly Delta and dine out often, as the rewards structure favors these spending categories.

Annual fee
$150
APR
21.49%
Rewards
—
Sign-up bonus
—

The Delta SkyMiles Gold American Express Card offers solid rewards for Delta travelers, but the annual fee may not be justifiable for occasional flyers.

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C

Citi Custom Cash® Card

Mastercard · cashback

Best for: Best for individuals looking for a no-annual-fee card that adapts to their spending patterns. Ideal for those who frequently spend in specific categories.

Annual fee
No annual fee
APR
19.24%
Rewards
—
Sign-up bonus
—

The Citi Custom Cash® Card is a flexible cashback option, especially for those with fluctuating spending habits. Its lack of an annual fee and the ability to earn 5% cash back in your top category each billing cycle make it appealing.

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C

Chase Freedom Rise® Credit Card

Visa · cashback

Best for: This card is best suited for individuals looking to build their credit history while earning cash back on everyday purchases.

Annual fee
No annual fee
APR
28.74%
Rewards
—
Sign-up bonus
—

The Chase Freedom Rise® is a solid choice for those new to credit, offering cash back without an annual fee. However, its high APR may be daunting for some users.

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C

Citi Secured Mastercard

Mastercard

Best for: People wanting to build credit within the Citi ecosystem

Annual fee
No annual fee
APR
23.49%
Rewards
—
Sign-up bonus
—

Solid secured card from a major issuer. No annual fee and a clear path to graduating to an unsecured Citi card.

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Target Circle™ Card

Mastercard · cashback

Best for: Ideal for regular Target shoppers who want to maximize their savings and enjoy benefits like free shipping.

Annual fee
No annual fee
APR
22.9%
Rewards
5%
Sign-up bonus
$50

The Target Circle™ Card offers solid savings for frequent Target shoppers, but it may not be the best option for those seeking extensive rewards beyond Target purchases.

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The Platinum Card® from American Express

Amex · cashback

Best for: Ideal for frequent travelers who can maximize rewards and benefits, particularly those who value luxury travel experiences.

Annual fee
$695
APR
21.99%
Rewards
—
Sign-up bonus
—

The Platinum Card® offers exceptional travel rewards and benefits, but comes with a high annual fee that may not suit everyone.

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Chase Sapphire Preferred® Card

Visa · travel

Best for: Frequent travelers and foodies with good to excellent credit who spend significantly on travel and dining.

Annual fee
$95
APR
22.49%
Rewards
—
Sign-up bonus
—

The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who value high rewards rates, especially on travel and dining. However, the high APR can be a drawback for those who carry a balance.

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A

Avant® Cashback Rewards Mastercard®

Mastercard · unsecured

Best for: Consumers who want simple 1% cash back on purchases and value an unsecured Mastercard with monthly reporting to all three major credit bureaus.

Annual fee
0-75
APR
35.99%
Rewards
—
Sign-up bonus
—

The Avant Cashback Rewards Mastercard may make sense for consumers who want simple cash back and an unsecured card, especially if they receive a lower-fee offer. The 35.99% purchase APR makes it important to avoid carrying balances when possible and to review the exact annual fee before accepting the card.

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Tomo Student Credit Card

Mastercard · student

Best for: Students with no credit wanting guaranteed approval

Annual fee
No annual fee
APR
—
Rewards
—
Sign-up bonus
—

Uses bank transaction data instead of credit scores. Must pay full balance — functions like a charge card.

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Capital One Platinum Secured Credit Card

Mastercard · secured

Best for: Best for individuals looking to build or rebuild their credit history without incurring annual fees.

Annual fee
No annual fee
APR
29.99%
Rewards
—
Sign-up bonus
—

The Capital One Platinum Secured Credit Card offers a straightforward path to credit building without an annual fee, but high APR can be a downside.

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A

Avant Credit Card

Mastercard

Best for: People with fair credit scores who want an unsecured credit card without tying up money in a security deposit.

Annual fee
No annual fee
APR
28.99%
Rewards
—
Sign-up bonus
—

Avant offers an unsecured card to people with fair credit who may not qualify for mainstream cards. No deposit is required, which is a significant advantage over secured cards. The card reports to all three bureaus, making it a legitimate credit-building tool.

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