Great credit card options for you
A credit card can make everyday spending easier and give you some breathing room when money's tight. If you're working on your credit, look past the rewards and check what a card costs to open and keep. Below are card offers from our partners, with the key facts side by side so you can compare them in a minute.
What to look for in a credit card when you're working on your credit
A few minutes of comparing can save you money. Here's what to look at, in order.
- Upfront costs. Some cards ask for a security deposit or an application fee before you can use them. A deposit ties up your cash, and a fee is money spent before you've used the card. Cards that skip both let you keep that money.
- Credit limit. Starting limits on these cards are often modest. A higher limit gives you more room and makes it easier to keep your balance low compared with your limit.
- Rates and fees. Look for the APR and any annual or monthly fees in the issuer's terms. Rates and fees vary by card and by person. If you might carry a balance, the APR matters more than any reward.
- Rewards. Cash back is a nice extra, but it won't make up for interest if you carry a balance from month to month.
How we chose these cards
The cards here are offers from companies that pay DailyDebtSolution when someone applies or is approved. That's how we keep the site free.
We only show cards whose offers are running right now, and a card comes off this page within minutes if its offer is paused. The key facts come from each card's own offer materials, and the card issuer makes every approval decision. Not every card is available in every state, so check each card for the states where it isn't offered.
See the cards on this page
How to use a new card to help your credit
- Pay on time, every time. Payment history is the biggest single factor in most credit scores, so one late payment can undo a lot of good months.
- Keep your balance low. Using a small share of your limit looks better than running it close to the max. Many people aim to stay under 30%.
- Pay in full when you can. You'll avoid interest charges and keep your costs down.
- Turn on autopay. Set it for at least the minimum payment, so a busy week never turns into a missed payment.
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Frequently asked questions
Will checking if I prequalify hurt my credit score?
Some cards let you check if you prequalify before you apply. For those, checking uses a soft inquiry, which doesn't affect your credit score. If you accept an offer, the issuer makes a hard inquiry, which can lower your score slightly for a while. Each card's details say whether it offers this.
Do I need a security deposit?
Not always. Secured cards ask for a deposit, which usually sets your credit limit. Unsecured cards don't. Each card above shows its security deposit in the key facts.
How long does it take to build credit with a new card?
There's no set timeline. Your score depends on your whole credit history. Paying on time and keeping your balance low are the habits that help most, and their effect builds over months.
Is DailyDebtSolution a bank or card issuer?
No. We're not a bank, lender or card issuer. We show offers from card issuers and their partners, and we may be paid when you apply or are approved. Your application goes straight to the issuer, and they decide.
Why can't I get a card in my state?
Card issuers don't offer every card in every state. Each card on this page shows the states where it isn't available.
Advertising disclosure: these are credit card offers, not loans. DailyDebtSolution may be paid if you apply for a card or are approved. Each card issuer makes its own decision and sets its own rates and fees, so read the terms on the issuer's site before you apply.