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WalletHub Credit Card Offers
WalletHub experts track 1,500+ offers to help you get the right credit card
Compare credit card offers to find the right card for you. WalletHub’s credit card comparison tools and expert recommendations make it easy to compare credit cards with rewards, low interest rates, no fees, different credit sc... show more
- Winner: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyGood Credit: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Rates & FeesBad Credit: Discover it® Secured Credit CardDiscover it® Secured Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesEveryday Cash Back: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- No Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
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- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- 80,000 points offer
- Hundreds in annual credits
- $695 annual fee
- Limited financing capabilities
- No preset spending limit
- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Above-average regular APR
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- High regular APR
- Foreign fee
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee
WalletHub's Research
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to compare credit cards.
Notable credit card offers
| Credit Card | Best For | Annual Fee | Credit Required |
| Chase Freedom Unlimited® | Winner | $0 | Good |
| Wells Fargo Active Cash® Card | Everyday Cash Back | $0 | Good |
| Wells Fargo Reflect® Card | 0% Intro APR | $0 | Good |
| Discover it® Secured Credit Card | Bad Credit | $0 | Bad |
| Capital One Platinum Credit Card | No Credit | $0 | Limited History |
| Blue Cash Preferred® Card from American Express | Good Credit | $0 intro 1st yr, $95 after | Good |
Picking the right credit card for your needs might seem a bit daunting, but we’ve done the research to make things as easy as possible for you.
WalletHub's editors compared 1,500+ credit card offers in order to pick the best credit cards in the most popular categories, based on rewards, rates, fees, approval requirements and benefits.
How we picked the most notable credit card offers
The notable credit card offers that WalletHub’s editors decide to highlight are selected after a comparison of more than 1,500 credit cards, spanning different credit ratings, types of users, and features. Selections are ultimately made according to how much each card can be expected to save its target user. Although some cards may come from WalletHub partners, editors’ picks are based solely on cardholder savings.
Types of credit cards
There are six main types of credit cards:
- Standard unsecured credit cards
- Secured credit cards
- Credit cards for students
- Small business credit cards
- Store credit cards
- Charge cards
All of them work pretty much the same way and will improve your credit if used responsibly, but they differ in terms of certain special features or requirements and who typically uses them.
It’s also worth pointing out that more than 1,500 credit card offers are available, so how many different types of credit cards there are really depends on how you look at it.
On the one hand, you could group cards based on whether they require you to place a refundable security deposit. Secured credit cards do; unsecured credit cards don’t.
You could also segment things based on where a card can be used. Credit cards with the Visa, Mastercard, American Express or Discover logo can be used anywhere. Store credit cards can only be used at the retailers they’re affiliated with.
Or you could split up the offers based on whether they require you to pay your bill in full every month. Charge cards do; other credit cards don’t. But at the end of the day, finding the best credit card for your needs is all that really matters.
4 things to know before you apply for a credit card
- What your credit score is
The very best credit cards require good credit or better, which means a 700+ credit score. There are credit cards for people of all credit levels, though, including people with bad credit or no credit. Knowing where you stand will help you identify the right cards to consider, and you can check your latest credit score for free on WalletHub.
- How you plan to use the credit card
If you plan to pay your bill in full every month, focus on comparing the cards’ rewards and annual fees. If you want to avoid interest, concentrate on credit cards offering 0% introductory APRs on purchases or balance transfers, depending on whether or not you already owe the money. And if you’re just trying to build or rebuild your credit, aim for low fees and high approval odds.
- How long you expect to keep the account open
Ongoing features such as annual fees and regular rewards rates become more and more important the longer you plan to have the card. On the other hand, there are times when it will make more sense to capitalize on short-term deals like initial rewards bonuses and low intro APRs. When it comes to initial bonuses, you’ll also want to make sure you’re in a position to spend enough to trigger the bonus in the allotted time frame without overburdening yourself.
- How soon you’ll need your credit score for a big-money transaction
Applying for a new credit card account usually results in a hard inquiry into your credit history, which can cause your credit score to drop a bit temporarily. This shouldn’t be a problem unless you plan to apply for a mortgage or an auto loan in the near future, however. You can estimate how long it will take your score to recover using WalletHub’s Free Credit Score Simulator.
Popular credit card issuers by company
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the author
John S Kiernan
Credit Card Offers FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What are the easiest credit cards to get approved for?
Secured credit cards are the easiest credit cards to get approved for when you have bad credit or no credit because they require a refundable security deposit that protects the issuer. Secured cards have annual fees as low as $0, report monthly to the 3 major credit bureaus, and often give rewards of 1% or more. To help people with no credit or bad credit maximize their odds of approval for a credit card, WalletHub’s editors compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates and rewards.
Easiest Credit Cards to Get Approved For
- Easiest to Get: OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Unsecured: Credit One Bank® NASCAR® Credit CardCredit One Bank® NASCAR® Credit CardLearn MoreLearn More
- Best for No Annual Fee: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best for Cash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
- Best for Students: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn More
- Best for No Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
It’s important to get a good credit card because credit cards are the best credit-building tools available to us. They all report information to the major credit bureaus on a monthly basis, and unlike loans, they don’t require you to incur any debt. Some credit cards are much easier to get approved for than others, though. You can learn all about the best easy approval credit cards below.
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.
What are the best starter credit cards?
A starter credit card is a credit card designed to help people with limited credit or bad credit establish and improve their credit standing (including students and immigrants). The best starter credit cards can help you build credit and save money.
Based on WalletHub’s research and years of experience, starter credit cards usually have a $300+ starting credit limit, no annual fees, and rewards of up to 1% cash back on purchases (some cards are from WalletHub partners). If you’d like a recommendation, you can check out WalletHub’s expert picks for the best starter credit cards below.
Your objective in picking between these beginner credit cards should be to pay as little as possible in fees and interest. As long as you remember to pay your bill on time and in full every month, you will be able to build credit inexpensively with the right first-time credit card. Within a few years, you may be able to qualify for one of the market’s best overall credit cards.
Best Starter Credit Cards of June 2023
- Winner: Capital One Platinum
- Rewards & No Fee: Petal 2 Card
- Student: Capital One SavorOne Student Card
- No Credit Check: OpenSky® Plus Secured Visa® Credit Card
- Secured Rewards: Discover it Secured Credit Card
What are the best credit card deals right now?
The best credit card deals include initial rewards bonuses worth $500+, 0% intro APRs for as long as 15-21 months, and $0 fees for the first year or longer. Lots of money-saving credit card deals are available right now, but the details change often, and the very best credit card deals only last for a limited time.
6 Best Credit Card Deals of June 2023
- Winner: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: Chase Sapphire Reserve®Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyBonus Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Rates & FeesCash Back: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Hotel Points: The World of Hyatt Credit CardThe World of Hyatt Credit CardLearn MoreLearn More
This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.
It's our job to make sure you don't miss any valuable opportunities. So we constantly scour the market in search of the best credit card deals for people of all credit levels. And we update this page on a daily basis to showcase the latest offers. You can learn more about the very best of today's top credit card deals below. You can also take a closer look at WalletHub's editors best credit cards for students, rebuilding credit and other specific categories using the dropdown menu at the top of the page.
If you're not sure whether you can qualify for a given card, simply click on its name and compare the Required Credit Score to your own. If you don't know what that is, you can check your latest credit score for free on WalletHub.
What are four types of credit cards? Reply
Four major types of credit cards are Visa, Mastercard, American Express and Discover. These are the major credit card networks, which most credit cards belong to, and they dictate where cards can be used as well as what secondary benefits cards offer. Fundamentally, the credit cards on these networks work the same way, however.
4 Types of Credit Cards
Overall, Visa and Mastercard credit cards...
What are the best free credit cards?
A free credit card is an offer with no annual fees, monthly fees or one-time membership fees. Some free credit cards also have 0% introductory interest rates, $0 balance transfer fees and no foreign transaction fees. The best free cards are usually reserved for people with good or excellent credit, but no-fee options are available to people of all credit levels (some cards are from WalletHub partners). Even folks with bad credit can usually find a free credit card, as long as they’re willing to place a refundable deposit.
4 Best Free Credit Cards (June 2023)
- Winner: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesRewards: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Building Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
- Travel Rewards: Capital One VentureOne Rewards Credit CardCapital One VentureOne Rewards Credit CardLearn MoreLearn More
What are the top 5 credit cards? Reply
The top 5 credit cards offer good initial bonuses, valuable rewards, intro APRs on purchases and balance transfers, as well as $0 fees. As a result, the top credit cards can help you save hundreds of dollars per year.
Top 5 Credit Cards of 2023
- Best Overall: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesBest for Cash Back Rewards: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Best for Travel: Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit CardLearn MoreLearn More
- Rates & FeesBest for 0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Best for Bad or No Credit: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Keep in mind that there are many worthy candidates for the top 5 credit cards, each of which excels in different areas. You can check out...
Should I get a credit card? Reply
Yes, you should get a credit card. You should get your own credit card account if you’re at least 18 years old, and you should get a parent to make you an authorized user on their credit card account when you are too young to get a credit card alone. There are many reasons to get a credit card, including convenience and earning rewards on purchases, but the best benefit is building the credit history...
Featured Credit Cards
Expert Opinions
To help educate people on the possibilities, we asked a panel of experts to share their thoughts on the following questions. You can meet our expert panel and check out their comments below.
- Should everyone have at least one credit card?
- Has it become easier or harder to get a credit card in recent years?
- Are credit cards safer now than before the Great Recession?
- What tips do you have for someone who is applying for a credit card?
- Are consumers good at picking credit cards? What are the biggest pitfalls?
Lecturer, University of California, San Diego, Rady School of Management
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Ph.D., CFP®, Assistant Professor, Director of Financial Planning and Financial Literacy, School of Business and Leadership, University of Charleston
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Ph.D., Professor and Stephen L. Clark Chair of Real Estate and Finance, Director, WSU Center for Real Estate, Wichita State University, W. Frank Barton School of Business
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Ph.D., Professor of Finance, University of Tennessee-Martin, UT Alumni Association Distinguished Service Professor, Managing Director, UT-Martin TVA Investment Challenge Program, SMIFC Board Advisor and Co-Founder, Department of Accounting, Finance, Economics and Political Science, College of Business and Global Affairs
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Ph.D., Barnabas Professor of Finance Emeritus, University of Central Oklahoma
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Lecturer of Business, Colorado Mesa University, Davis School of Business
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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