The Discover it Secured credit card pays 1% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter and 2% cash back on all other purchases. Plus, as a bonus, Discover will automatically match all the cash back you earn in your first year.
To open a Discover it Secured credit card, you can make a security deposit between $200 and $2,500. (Your credit limit is equal to your security deposit.) Starting at eight months, Discover will review your account history to determine whether you can receive a refund of your security deposit and keep your credit limit.
Important Pricing: The APR is 24.99% and there is no annual fee.
The Blue Cash Preferred from American Express pays a $250 bonus statement credit after you spend $1,000 on purchases within the first three months of opening your account.
You’ll earn 6% cash back rewards at U.S. supermarkets up to $6,000 in purchases each year; 3% cash rewards on purchases at U.S. gas stations; and 1% on everything else including grocery purchases past the annual $6,000 threshold. You can earn $360 in cash back just by maxing out the grocery rewards.
Important Pricing: The regular APR after the 12-month 0% introductory promotional period ends is 14.99% to 25.99%. The annual fee is $95.
Having recent delinquencies or bankruptcy can make it tough to get approved for most credit cards — even some secured ones. The Open Sky Secured credit card doesn’t require a credit check which means you can be approved if you have trouble clearing other credit card applications.
You can open your card by making a security deposit between $200 to $3,000 via debit card, wire transfer to Capital Bank, Western Union, or by mailing a check or money order.
While Open Sky does report your credit history to the three major credit bureaus, your card won’t convert to an unsecured credit card no matter how well you manage your account. After you manage your account well for several months, you may qualify for an unsecured credit card with another credit card issuer.
Important Pricing: The APR is 19.14%. The annual fee is $35.
Take a peek at other options by reading our list of the best credit cards to get if you have bad credit
The Chase Sapphire Preferred is one of the best credit cards on the market. It pays 50,000 bonus points after you spend $4,000 on travel in the first three months after opening your account. The 50K points are worth $625 if you redeem them through Chase Ultimate Rewards.
Ongoing, you’ll earn two points for every dollar you spend on travel and dining purchases and one point for every dollar you spend on all other purchases. Rewards are worth 25% more when you redeem them through Chase Ultimate Rewards.
Important Pricing: The regular APR is 17.99% to 27.99%. The $95 annual fee is waived in the first year.
Not sure if this is the best option for you? Check out our guide to the best credit cards for those with excellent credit
Rebuilding your credit starts with finding a credit card that will approve you — even if your credit isn't too pretty. The Capital One Platinum MasterCard is a great credit card for getting your credit history back on track; dozens of the more than 8,500 reviews are from cardholders who got approved without having a great credit score.
While the card has “Platinum” in the name, you shouldn’t expect any great rewards or perks — it’s just a regular credit card. Once you’re approved, you’ll automatically be considered for a credit limit increase if you make your first five monthly payments on time.
Important Pricing: The APR is 24.99% and there is no annual fee.
The Chase Sapphire Reserve is a premium rewards credit card with a large signup bonus, amazing perks, and a higher annual fee. Earn 50,000 bonus points after spending $4,000 on purchases in the first three months after opening your account and you could exchange them for up to $750 in travel credit.
Ongoing, you’ll earn three points per dollar on travel after you earn your $300 annual travel credit; three points per dollar on dining worldwide; and one point per dollar on everything else. Points are worth 50% more when you redeem them through Chase Ultimate Rewards.
On top of the rewards, you’ll receive a $100 application fee credit for Global Entry or PreCheck, access to airport lounges, and special rental car privileges with partner agencies when you book with your card.
Important Pricing: The regular APR is 17.99% to 24.99%. The annual fee is $450 for the primary cardholder and $75 for any additional authorized users (up to four).
Interested in reading more reviews? Check out our guide to the best travel rewards credit cards you can apply for now
The Capital One Savor pays a one-time $500 cash bonus after you spend $3,000 on purchases within three months of opening your account. Ongoing, you’ll earn unlimited 4% cash back on dining and entertainment; 2% back at grocery stores; and 1% back on all other purchases.
You’ll need excellent credit to qualify for the Capital One Savor Rewards credit card which comes with a few other perks including extended warranty, price protection, complimentary concierge services, and 24-hour travel assistance.
Important Pricing: The regular APR is 16.24% to 25.24%, based on your creditworthiness. The $95 annual fee is waived in the first year.
The Discover it for Students credit card lets you earn 5% cash back on up to $1,500 you spend on purchases in categories that rotate each month. Plus, you’ll earn 1% cash back on everything else. You must sign up to earn the 5% cash back in the bonus categories. At the end of your first year as a cardholder, Discover will match, dollar-for-dollar, all the cash you've earned.
Keep your grades up and you can also earn a $20 cash back bonus each school year your GPA is 3.0 or higher. You can cash in on this bonus for up to five years.
Important Pricing: There’s no annual fee. Receive a 0% introductory APR for six months. After that, the regular APR is 14.99% to 23.99%.
Need more convincing? Take a look at our list of the best student credit cards
Spend $1,000 on purchases on your new Gold Delta SkyMiles credit card within the first three months of opening your account and earn 50,000 bonus miles. Plus you’ll receive a $50 statement credit after you make a Delta purchase with your card in the first three months.
Ongoing, you’ll earn two miles per dollar spent on Delta purchases and one mile for every dollar you spent on all other credit card purchases. Your Gold Delta SkyMiles gives you access to priority boarding and waives the fee on your first checked bag.
Important Pricing: The regular APR is 17.74% to 26.74% based on your creditworthiness. The $95 annual fee is waived in the first year and there’s no foreign transaction fee.
The USAA Visa Platinum Credit Card has a low 9.5% interest rate on purchases — one of the lowest interest rates of any credit card. The only caveat: you must be a current or retired member of the military or the immediate family member of a current or retired member of the military to join USAA and apply.
If you’re eligible and you get the USAA Visa Platinum Card, you can earn 2,500 bonus points with your first purchase — no minimum spending amount required. Ongoing, you’ll earn one point for every dollar you spend on all purchases. There’s no limit to the amount of points you can earn and your points never expire.
Important Pricing: After a six-month 0% promotional period, the regular APR is 9.75%. There is no annual fee.
With the Chase Ink Business Preferred, you can earn 80,000 bonus points for your business after you spend $5,000 on purchases in the first three months after opening your card. Redeem your bonus through Chase Ultimate Rewards and it’s worth up to $1,000 toward travel.
You’ll earn three points per dollar on the first $150,000 spending in certain business categories each year. Categories include travel, shipping, internet, cable, phone, as well as social media/search engine advertising purchases. All your other card purchases will earn one point per dollar with no limits.
Points are worth 25% more when you redeem them for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards. Plus, you can transfer points between other partner rewards programs with 1:1 transfer.
Important Pricing: APR is 17.99% to 22.99%. The annual fee is $95 and there’s no foreign transaction fee.
Take a look at other options by reading our guide to the best credit cards for small business owners
The Capital One Quicksilver Card offers a one-time $150 signup bonus if you spend $500 on purchases within the first three months of opening your account. Ongoing, your purchases will earn an unlimited 1.5% cash back.
The card also comes with 24-hour travel assistance services, travel accident insurance, and extended warranty benefits.
Important Pricing: After the 15-month 0% introductory rate expires, your regular APR will be 14.74%, 20.74%, or 24.74%, based on your creditworthiness. There’s no annual fee.
If you’re looking for a credit card with a long promotional period, the U.S. Bank Visa Platinum is your choice. Enjoy 0% APR on purchases and balance transfers for the first 20 billing cycles.
There aren’t many extra rewards beyond the promotional interest rate. You do get up to $1,200 in cell phone protection each year when you pay your cell phone bill with your credit card. If you’re currently paying insurance through your cell service provider, you cancel and save on your monthly cell phone bill.
Important Pricing: The regular APR after the promotional period ends is 11.99% to 23.99%. There’s no annual fee.
Read more reviews by checking out our list of the best balance transfer credit cards you can apply for now
The 13 Best Credit Cards to Apply for in 2018
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There’s no one-size-fits-all when it comes to credit cards. You may be looking for a credit card that offers great travel or cash back rewards, or maybe you’re a frequent flyer looking to optimize your airline rewards. Similarly, if you don’t have the best credit, finding a credit card that can help you rebuild your score is a great option. No matter what type of credit card you’re looking for, there’s something on our list for you.
When you’re choosing a credit card, make sure you pay attention to the rewards and perks as well as the annual fee and interest rate on the credit card. These important features influence the overall benefit and cost of having a credit card. Read on to learn more about the best credit cards out there now and find the one most suited to your financial needs.