— Editor’s Pick: Best Overall Card — The Discover® More® Card offers a 0% APR on balance transfers and purchases for 15 full months and unlimited cash back rewards.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information.
*View Discover® Card Rates, Fees, Rewards, and Other Important Information
FICO Req’d
Intro
Regular APR
Fee
Good
0%/15 Mos*
10.99% – 20.99% Variable
None
Read a full review of this card
— Editor’s Pick: Cash Rewards — Blue Cash provides powerful cash rewards; the more you spend, the more cash back you can earn.
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- No annual fee, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
FICO Req’d
Intro
Regular APR
Fee
Good
0% on Purchases for 12 months
17.24%-22.24% Variable
None
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.
Read a full review of this card
— Editor’s Pick: Fair Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!
- An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
FICO Req’d
Intro
Standard APR
Annual Fee
Fair
None
14.99% or 19.99%, or 7.99% for secured cards
See Below
*Additional Rate and Fee Information:
- Variable Purchase APR: 14.99% or 19.99%, or 7.99% for secured cards
- Annual Fee: $0 – $59 the first year, $35 – $59 per year thereafter
- Late Fee: Up to $35
- Over the Credit Limit Fee: Up to $25
- Variable Balance Transfer APR: 14.99% or 19.99%, or 7.99% for secured cards
- Variable Penalty APR: 29.99%
*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. Please see the Orchard Bank Website for a complete list of terms.
