2022 - Top Rated Credit Cards

Applying for a credit card can be challenging especially when your credit score has seen better days or you're just new to credit and looking to build it. We’ve taken the hassle out of finding credit card issuers willing to work with you. Each of these cards have been carefully selected based on application security, bank rate transparency and clear credit terms. It only takes a few minutes to apply, so let's get started below.

Top Rated Credit Cards

Net First Platinum

$750.00 Line of Credit*

Full Details

Card Page

Credit Needed

Damaged credit to Fair credit

Regular APR

0.00%

Annual Fee

See website for Details*

Top Rated Credit Cards

PREMIER Bankcard® Grey Credit Card

Just complete the short application and find out in 60 seconds if you’re approved

Full Details

Card Page

Credit Needed

Fair/Poor

Regular APR

See Provider Website

Annual Fee

See Provider Website

Top Rated Credit Cards

PREMIER Bankcard® Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Full Details

Card Page

Credit Needed

Fair/Poor

Regular APR

See Provider Website

Annual Fee

See Provider Website

Top Rated Credit Cards

Group One Platinum Card

Bad Credit, No Credit? No Problem!

Full Details

Card Page

Credit Needed

Damaged/Fair

Regular APR

0.00%

Annual Fee

See website for Details*

Top Rated Credit Cards

Freedom Gold Card

No Credit Check

Full Details

Card Page

Credit Needed

Damaged credit to fair credit

Regular APR

0.00%

Annual Fee

see terms

Top Rated Credit Cards

Unique Platinum

Guaranteed $1000 Credit Line! Get the things you want today!*

Full Details

Card Page

Credit Needed

Any Credit Welcome

Regular APR

0%

Annual Fee

See Terms*

Trusted Partner

Credit Sesame 100% Free Credit Score & Credit Monitoring

Free Credit Score & Monitoring - No Credit Card Required!

  • Get your credit score for free – no credit card needed
  • Free $50K identity theft insurance and ID restoration help
  • Checking your credit score does not hurt your score
  • Get Your Free Credit Score In Minutes And Start Earning [Cash] Rewards When It Goes Up.
  • Only Credit Sesame Gives You Your Free Credit Score & Cash Rewards For Improving It.
Full Details Page

Additional Resources

Credit Spotlight: Milestone® Mastercard®

There was a time when a challenging credit history would stop you dead in your tracks. While bad credit or no credit isn’t your desire, things happen in your life that can lead you down this path. Fortunately, there are more credit card products available today than ever before — many of which are designed for individuals in your situation. Apply Now The Milestone® Mastercard® is designed for people with poor credit or no credit history. It’s not the type
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Credit Spotlight: Zebit – Buy Now & Pay Over Time

There may come a time when you need to make a purchase that you can’t afford to pay for in full. In this case, you may turn your immediate attention to a credit card. While that’s an option, don’t get ahead of yourself. Instead, learn more about Zebit. Zebit is an online marketplace with “buy now and pay over time” options. It’s similar to using a credit card as you don’t need all the money for the purchase upfront. It’s
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Credit Spotlight: Aspire® Cash Back Reward Card

It’s not always easy to decide where to start your financial journey. And that’s especially true when it comes to choosing a credit card. Fortunately, offers like the Aspire® Cash Back Reward credit card are available. Here’s how Aspire® — a credit card issued by The Bank of Missouri — describes its cash back credit card: Take the first step on your financial journey with Aspire®. With just a few clicks, you can enter your acceptance code and request your
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Your FICO Score and Getting the Best Credit Card

Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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Choose the Right Credit Card for Your Credit Score

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
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Are you ready to apply for a credit card?

In today’s day and age, it’s easier than ever to apply for a credit card. You can search through offers online, learn more about the features of each one, and apply within a matter of minutes.

While this level of convenience is sure to put a smile on your face, it can also lead to trouble. Here’s how: many consumers begin to apply for credit cards that they don’t qualify for.

Before we get into the finer details of finding a credit card you will be approved for, let’s examine two reasons why this is so important:

1. To Protect Your Credit Score

Simply put, too many credit card applications in a short period of time will drag down your credit score. Subsequently, you’re making it more difficult to secure a card in the future.
Multiple applications in a short time span can put you in a bad light with credit card issuers, as they could consider you a bigger risk than others.

2. To Save Time

Your primary goal is to find and apply for the best credit card without wasting any time. However, if you continue to apply for credit cards that are “out of your league,” it’s possible that you could waste one day after the next and never make any real progress.

Moving forward in an efficient manner starts with having a clear idea of the types of cards you’ll qualify for.

3. Focus On These Factors

Credit card issuers consider many factors when making a decision on your application. Knowledge of these factors will move you closer to credit card offers that best suit your situation.

4. Here are three things to think about:

Credit Score – Every credit card offer has a “credit score range” attached to it. For example, there are cards for people with poor credit as well as those for good and excellent credit. If your credit score is in the 500’s, don’t apply for an offer that requires an excellent score.

Credit History – A strong credit history will improve your chance of an approval. Conversely, if you have no history or several delinquencies on your credit report, you should understand the impact (and what you can do to help your situation).

Income – Just the same as your credit score, your income has a lot to do with whether or not you’re approved. When reviewing an offer, learn more about the minimum income requirement. If you don’t make enough money, it’s time to move on.

Final Thoughts

As noted by the Official Guide to Government Information and Services, it’s important to shop around to find the card that is best for you.

When doing so, remember that it’s best to only apply for credit cards you will be approved for. This will help your credit score avoid unnecessary damage, speed up the process, and allow you feel better about your financial situation as a whole.

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