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Best Preapproved Credit Cards in April 2025

Tracy Brackman, senior writer for LendingTreeWritten by
Tracy Brackman
Robin Ratcliff, managing editor for LendingTreeEdited by
Robin Ratcliff
Updated on:
Content was accurate at the time of publication.
Many of the products on this page are from partners who compensate us, but this does not influence our recommendations. Click here to learn more.
Citi is an advertising partner.

When you apply for a credit card, the issuer typically checks your credit report before approving you. Also known as a “hard inquiry,” a credit check lowers your credit score by a few points and stays on your report for two years (though the negative impact on your credit score lessens over time).

The good news is that preapproved credit cards let you check if you’re eligible for a card. Just know that getting preapproved doesn’t mean you’ll automatically be approved for the card. In fact, after receiving preapproval, you’ll still need to apply for the card — which typically will require a credit check.

Also keep in mind that there are some credit cards with no credit check required as well as credit cards for bad credit. These tend to be easy credit cards to get approved for if you’re building or rebuilding your credit.

Best preapproval credit cards

Following are some of the best credit cards from issuers that offer online preapproval. For most cards below, you can see if you’re preapproved by visiting the issuer’s preapproval page. There’s no guarantee that these cards will show up in your list of preapproved offers, but it’s worth checking before you apply.

Discover it® Secured Credit Card

Discover it<sup>®</sup> Secured Credit Card Discover it<sup>®</sup> Secured Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees

See if you’re preapproved through Discover’s preapproval page.
Intro Purchase APRN/A
Regular Purchase APR27.24% Variable APR
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited / Poor
Get Your Free Credit Score
  • $0 annual fee
  • High rewards earnings on gas stations and restaurants
  • No credit score required
  • Chance to graduate to an unsecured card
  • Matches cash back earned in the first year for new cardholders
  • Reports to all three credit bureaus
  • No penalty APR
  • Security deposit of $200 or more required
  • Low credit line matching security deposit amount
  • High interest rate on purchases
  • Late payment fee

The Discover it® Secured Credit Card is one of the best preapproved cards you can find for bad credit. It has some of the lowest fees on the market with no annual or monthly fees. It also offers one of the more generous rewards structures of any credit card in this category. You’ll get a bonus on gas and restaurant purchases. You’ll also get a year-end cash back match that serves as a welcome bonus, which is rare on these types of cards.

You’ll need to put down a security deposit of at least $200. But you won’t have to worry about paying expensive ongoing fees. Also, Discover will start reviewing your account automatically after seven months to see if you qualify for an upgrade to an unsecured card. This can get you a refund of your deposit and likely a higher credit limit.

How much can it save you?* You’ll pay a $0 annual fee and earn around $90.64 in rewards, for a net savings of $90.64 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • No credit score required to apply. No Annual Fee.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Raise your credit score by 30+ points.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

U.S. Bank Altitude Go Visa Secured Card*

U.S. Bank Altitude Go Visa Secured Card U.S. Bank Altitude Go Visa Secured Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
Review Coming Soon

See if you’re preapproved through U.S. Bank’s preapproval page.
Intro Purchase APRN/A
Regular Purchase APR29.24%
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited / Poor
Get Your Free Credit Score
  • No annual fee
  • Earn up to 4x rewards on your purchases
  • Reports to major credit bureaus
  • $15 annual streaming credit
  • $300 minimum deposit
  • High APR
  • Late payment fee

The U.S. Bank Altitude Go Visa Secured Card is a fantastic rewards card for applicants with low credit scores. If you’re an existing U.S. Bank customer, you could potentially receive a preapproved offer for the card. You’ll earn 4X points on dining, takeout and restaurant delivery, 2X at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations, 1X on all other purchases. You even get a $15 annual credit for streaming services.

You’ll have to put down a deposit of at least $300, though the deposit can be worth it for the annual fee savings.

How much can it save you?* You’ll pay a $0 annual fee and earn around $72 in rewards, for a net savings of $72 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • 4X points on dining, takeout and restaurant delivery.
  • 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations.
  • 1 point per $1 spent on other purchases.
  • No annual fee.
*The information related to the U.S. Bank Altitude Go Visa Secured Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Secured Chime Credit Builder Visa® Credit Card

Secured Chime Credit Builder Visa<sup>®</sup> Credit Card Secured Chime Credit Builder Visa<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on The Bancorp Bank's secure site

No credit check required
Intro Purchase APRN/A
Regular Purchase APRN/A
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-660
Limited / Poor / Fair
Get Your Free Credit Score
  • $0 annual fee
  • No credit check needed
  • Choose your own deposit amount**
  • Zero interest charges***
  • No foreign transaction fees
  • Reports to all three credit bureaus
  • Must have a Chime account with direct deposit to qualify
  • Non-rewards card
  • Few perks or protections
  • No chance to upgrade to an unsecured credit card

The Secured Chime Credit Builder Visa® Credit Card is one of the most affordable cards you can find with no credit check. It doesn’t charge an annual fee and, unlike most secured cards, there is no minimum security deposit required. You can even pay your bill with the deposit you placed in your Chime account, then add more when you want to spend on the card.

Its major drawback is that you must have a Chime account with qualifying direct deposits of at least $200 before you apply. Having to open a new account and set up a direct deposit into it could be a deal breaker.

How much can it save you?* You’ll pay a $0 annual fee and earn $0 in rewards, for a net savings of $0 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
  • Help increase credit score by an average of 30 points1
  • View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
  • Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
  • Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
  • Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
  • Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more. 
  • Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account2. See www.chime.com to learn more.
  • Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • *No interest: Out of network ATM withdrawal fees may apply. See here for details.
    1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
    2 To apply for Credit Builder, you must have an active Chime® Checking Account.
    3 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
    ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

OpenSky® Secured Visa® Credit Card

OpenSky<sup>®</sup> Secured Visa<sup>®</sup> Credit Card OpenSky<sup>®</sup> Secured Visa<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

2.3
apply-now-icon Apply Now
on Capital Bank, N.A.'s secure site

No credit check required
Intro Purchase APRN/A
Regular Purchase APR24.64% (variable)
Annual Fee$35
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Poor
Get Your Free Credit Score
  • No credit check required
  • May qualify to switch to an unsecured card in six months
  • Lower-than-average APR on purchases
  • High rate of approval
  • Reports to all three credit bureaus
  • No penalty APR
  • $35 annual fee
  • Minimum $200 security deposit
  • No rewards program
  • Late payment fee

The OpenSky® Secured Visa® Credit Card is next on the list of most affordable cards with no credit check. While it does charge a $35 annual fee, this is lower than most competitors. It offers a reasonable APR on purchases and the ability to quickly convert to an unsecured card with responsible use.

Note, if you want to avoid an annual fee, you check out the OpenSky® Plus Secured Visa® Credit Card. It has a $0 annual fee and requires a higher $300 security deposit.

How much can it save you?* You’ll pay a $35 annual fee and earn $0 in rewards, for a net savings of -$35 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Petal® 2 Cash Back, No Fees Visa® Credit Card*

Petal<sup>®</sup> 2 Cash Back, No Fees Visa<sup>®</sup> Credit Card Petal<sup>®</sup> 2 Cash Back, No Fees Visa<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
Learn More

See if you’re preapproved on Petal’s site
Intro Purchase APRN/A
Regular Purchase APR28.99% - 30.99%
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • $0 annual fee
  • Rewards rate up to 1.5%
  • No deposit required
  • Potential credit limit up to $10,000
  • May qualify for a credit line increase in six months
  • No foreign transaction fees
  • No penalty APR or late fees
  • No sign-up bonus
  • No introductory APR
  • Potentially high APR
  • Must link a bank account to apply

The Petal® 2 Cash Back, No Fees Visa® Credit Card offers excellent terms for a starter credit card, including no annual fee, no foreign transaction fee and up to 1.5% cash back on every purchase. You may even score a credit limit up to $10,000, depending on your credit history. Petal looks at your bill payment history in your bank account to establish a “Cash Score”, as a workaround for applicants with limited credit histories. You just need to link your bank account to apply.

You should know that the Petal® 2 Cash Back, No Fees Visa® Credit Card is a no-frills card. It lacks a welcome bonus, introductory APR and other perks like travel insurance. But it’s a great option for those wanting a user-friendly card to build credit.

How much can it save you?* You’ll pay a $0 annual fee and earn around $54 in rewards, for a net savings of $54 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 28.99% - 30.99%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank
*The information related to the Petal® 2 Cash Back, No Fees Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa<sup>®</sup> Upgrade Cash Rewards Visa<sup>®</sup>
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
apply-now-icon Apply Now
on Upgrade's secure site
Rates & Fees

See if you qualify before you submit your application.
Intro Purchase APRN/A
Regular Purchase APR14.99% - 29.99% APR
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Fair
Get Your Free Credit Score
  • $0 annual fee
  • Solid rewards earning rate
  • Cash welcome bonus with checking account and debit transactions
  • Potentially high credit line
  • No security deposit
  • Does not work like a traditional credit card
  • Must pay back purchases in installments
  • No ability to make just a minimum payment

The Upgrade Cash Rewards Visa® is an excellent offering with low fees, decent rewards and a welcome bonus, which is not always offered on cards in this category. The card also has one of the highest potential credit limits when compared with its competitors.

But you should know you’re not guaranteed a high credit limit. The advertised range is extremely wide: $500 to $25,000.

The card also lacks flexibility. You must pay for purchases in installments, which can get confusing if you make many purchases. And you can’t pay just the minimum payment like you can with a traditional credit card. This may be a drawback if you have a lean month.

How much can it save you?* You’ll pay a $0 annual fee and earn around $254 in rewards, for a net savings of $254 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* 
  • 1.5% unlimited cash back on every purchase 
  • No annual fee 
  • See if you qualify in seconds with no impact to your credit score 
  • Combine the flexibility of a card with the predictability of a personal loan 
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more 
  • Up to 10% cash back from your favorite brands with Upgrade Shopping 
  • Contactless payments with Apple Pay® and Google Wallet™ Mobile app to access your account anytime, anywhere 
  • Use your card anywhere Visa is accepted 
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

American Express® Business Gold Card

American Express<sup>®</sup> Business Gold Card American Express<sup>®</sup> Business Gold Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

See if you’re preapproved through American Express’s preapproval page.
Intro Purchase APR0% on purchases for 6 months from date of account opening
Regular Purchase APR18.49% - 27.49% Variable
Annual Fee$375
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Valuable welcome offer
  • Generous rewards customized to your spending
  • No foreign transaction fees
  • Flexibility to spend with no preset limit
  • Variety of business credits
  • Transfer points to 15+ loyalty programs
  • Costly annual fee
  • High spending required to earn a welcome offer
  • Must pay in full every month except Pay Over Time purchases

The American Express® Business Gold Card is the gold standard among preapproved business cards. It has one of the most valuable packages of bonuses, perks and credits at a relatively reasonable cost.

It outshines other cards due to its earning flexibility. You get high bonus earnings in the two categories where you spend the most on the first $150,000 in combined total spending in each year. Its points are valuable, since you can transfer them to more than 15 airline and hotel programs. With its high earning rate, you can rack up points for free travel quickly.

You should know that you have to pay your full balance with the American Express® Business Gold Card every month, with the exception of Pay Over Time purchases.

How much can it save you?* We estimate that the average cardholder will earn around $1,104 in rewards per year, versus $481 for the average rewards card.

*See LendingTree’s value methodology to see how we calculated this.

  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card The American Express Blue Business Cash™ Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

See if you’re preapproved through American Express’s preapproval page.
Intro Purchase APR0% on purchases for 12 months from date of account opening
Regular Purchase APR17.49% - 27.49% Variable
Annual FeeNo annual fee
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • High rate of cash back on every purchase
  • Flexible spending limit
  • Intro APR on purchases
  • Higher cash back rate capped at $50,000 in purchases per year
  • Foreign transaction fees

The The American Express Blue Business Cash™ Card is one of the most rewarding flat-rate business cards. It’s great for small business owners who don’t want to deal with tracking bonus categories. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

While the 2% rate is capped, the rewards are substantial. You can earn up to $1,000 in cash back rewards per year before you reach the $50,000 limit.

How much can it save you?* We estimate that the average cardholder will earn around $525 in rewards per year, versus $481 for the average rewards card.

*See LendingTree’s value methodology to see how we calculated this.

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply

Discover it® Student Chrome

Discover it<sup>®</sup> Student Chrome Discover it<sup>®</sup> Student Chrome
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees

See if you’re preapproved through Discover’s preapproval page.
Intro Purchase APR0% Intro APR for 6 months
Regular Purchase APR17.24% - 26.24% Variable APR
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-660
Limited / Fair
Get Your Free Credit Score
  • No annual fee
  • Bonus on gas and restaurant purchases
  • Cash match offer for new cardholders
  • 2% rate capped at $1,000 each quarter
  • Lower rewards rate than some cards

The Discover it® Student Chrome is another top-notch student credit card from Discover. It’s not as rewarding as the , but you don’t have to deal with rotating categories, and you’ll get decent rewards on gas and restaurants. Discover will even match your rewards at the end of the first year for new cardholders.

How much can it save you?* You’ll pay a $0 annual fee and earn around $91 in rewards, for a net savings of $91 versus -$2 for the average credit-building card.

*See LendingTree’s value methodology to see how we calculated this.

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
  • Terms and conditions apply.

Citi Double Cash® Card

Citi Double Cash<sup>®</sup> Card Citi Double Cash<sup>®</sup> Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

See if you’re preapproved through Citi’s preapproval page.
Intro Purchase APRN/A
Regular Purchase APR18.24% - 28.24% (Variable)
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-850
Fair / Good / Excellent
Get Your Free Credit Score
  • Long intro APR for balance transfers
  • Earn cash back at a high rate on every purchase
  • Transfer rewards as points to the Citi Strata Premier℠ Card
  • No intro APR for purchases
  • High ongoing APR
  • You don’t earn 2% cash back immediately
  • Minimal perks

The Citi Double Cash® Card is another great option for a balance transfer. It offers a great combo of a long balance transfer period and a simple rewards program that gives you cash back at a high rate on every purchase. You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

On the downside, there’s no intro APR for purchases and the regular APR is high, so you’ll need to be careful not to add to your balance on this card.

How much can it save you?* We estimate that the average cardholder will save around $1,162 for a $6,000 balance transfer (assuming $300 monthly payments) and earn $400 in rewards each year, versus $919 in savings and $245 in rewards for the average balance transfer card.

*See LendingTree’s value methodology to see how we calculated this.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Citi Simplicity® Card

Citi Simplicity<sup>®</sup> Card Citi Simplicity<sup>®</sup> Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
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on Citibank's secure site
Rates & Fees

See if you’re preapproved through Citi’s preapproval page.
Intro Purchase APR0% intro APR for 12 months on Purchases
Regular Purchase APR18.24% - 28.99% (Variable)
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • Lenthy intro APR for balance transfers
  • Long balance transfer window
  • Limited fees
  • Balance transfer fee
  • Doesn’t earn rewards
  • Intro APR for purchases is on the short side

True to its name, the Citi Simplicity® Card simply helps you save on a balance transfer. The card offers one of the longest intro offers currently available for balance transfers.

You’ll also get an intro APR for new purchases, albeit a shorter one. You won’t earn any rewards. But if you prefer to focus on paying down your balance rather than earning rewards, it’s one of the best options out there.

How much can it save you?* We estimate that the average cardholder will save around $1,180 for a $6,000 balance transfer (assuming $300 monthly payments) and $0 in rewards each year, versus $919 in savings and $245 in rewards for the average balance transfer card.

*See LendingTree’s value methodology to see how we calculated this.

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
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on American Express's secure site
Rates & Fees
|Terms Apply

See if you’re preapproved through American Express’s preapproval page.
Intro Purchase APRN/A
Regular Purchase APRSee Pay Over Time APR
Annual Fee$325
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Valuable welcome offer
  • High rewards earning on restaurants and U.S. supermarkets
  • Transfer points to 15+ loyalty programs
  • Dining and Uber credits (enrollment required)
  • Robust travel insurance protections
  • Purchase protection and extended warranty coverage
  • No foreign transaction fees
  • $325 annual fee
  • Dining and Uber credits can be difficult to apply
  • Must pay in full every month except Pay Over Time purchases

The American Express® Gold Card is a top-notch preapproved travel card for cardholders who spend a lot on food and flights. It earns valuable Membership Rewards points that you can transfer to airline and hotel partners, and has some of the highest earnings on restaurants and U.S. supermarkets of any card. It also comes with some of the best travel insurance protections on any travel card.

Keep in mind that you’ll generally have to pay your bill in full every month, outside of Pay Over Time purchases.

How much can it save you?* We estimate that the average cardholder will earn around $1,261 in rewards per year, versus $481 for the average rewards card.

*See LendingTree’s value methodology to see how we calculated this.

  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Citi Strata Premier℠ Card

Citi Strata Premier<sup>℠</sup> Card Citi Strata Premier<sup>℠</sup> Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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on Citibank's secure site
Rates & Fees

See if you’re preapproved through Citi’s preapproval page.
Intro Purchase APRN/A
Regular Purchase APR20.24% - 28.24% (Variable)
Annual Fee$95
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 10x points on hotels, car rentals and attractions booked on CitiTravel.com
  • 3x points on a wide variety of categories, including gas, restaurants and supermarkets
  • Transfer points to Citi’s hotel and airline partners at a 1:1 ratio
  • $100 annual hotel credit
  • Annual fee
  • Light on travel perks

The Citi Strata Premier℠ Card offers valuable, flexible points that you can earn at a fast clip, thanks its 3x bonus on a large variety of categories, including gas, restaurants and supermarkets. It’s also a good option for hotels, since it gives you bonus points on hotel purchases, plus a $100 hotel credit each year. It’s light on travel benefits, but if you’re interested in earning points for travel, it’s a good way to go.

How much can it save you?* We estimate that the average cardholder will earn around $1,345 in rewards per year, versus $481 for the average rewards card.

*See LendingTree’s value methodology to see how we calculated this.

  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Wells Fargo Active Cash® Card*

Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash<sup>®</sup> Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
Learn More

See if you’re preapproved through Wells Fargo’s preapproval page.
Intro Purchase APR0% intro APR for 12 months from account opening
Regular Purchase APR19.24%, 24.24%, or 29.24% Variable APR
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • High rate of cash back on every purchase
  • Easy-to-earn sign-up bonus
  • Long intro APR on balance transfers and new purchases
  • No bonus categories
  • Charges foreign transaction fees
  • Has a balance transfer fee

The Wells Fargo Active Cash® Card is one of the most straightforward cards on the market, offering simple value and ease of use. The card boasts an easy-to-earn welcome bonus with a low spending requirement. It also gives you a solid intro APR deal on both balance transfers and purchases. These features make it a great fit for those looking to pay off high-interest debt or finance a big purchase over time.

You should also know this card charges foreign transaction fees, which could cost you if you use it for international travel.

How much can it save you?* We estimate that the average cardholder will earn around $500 in rewards per year, versus $371 for the average cash back card.

*See LendingTree’s value methodology to see how we calculated this.

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred<sup>®</sup> Card from American Express Blue Cash Preferred<sup>®</sup> Card from American Express
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

See if you’re preapproved through American Express’s preapproval page.
Intro Purchase APR0% on purchases for 12 months
Regular Purchase APR18.24%-29.24% Variable
Annual Fee$0 intro annual fee for the first year, then $95.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • One of the most rewarding cards for U.S. supermarket purchases
  • Rewards easily redeemed for statement credits or at Amazon.com
  • Generous welcome offer
  • Intro APR on balance transfers and purchases
  • Annual fee
  • $6,000 annual cap on 6% bonus category

The Blue Cash Preferred® Card from American Express is the best card for everyday purchases, thanks to its leading rewards rate on U.S. supermarket purchases. You’ll also get better-than-average rewards on gas and transit purchases,

You’ll have to pay an annual fee, but the rewards can easily make up for it. If you max out the card’s $6,000 annual cap on its 6% bonus rate, you’ll earn $360 in cash back on just on those purchases.

How much can it save you?* We estimate that the average cardholder will earn around $765 in rewards per year, versus $371 for the average cash back card.

*See LendingTree’s value methodology to see how we calculated this.

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
*To see rates & fees for American Express® Business Gold Card, please click here.
*To see rates & fees for American Express® Gold Card, please click here.
*To see rates & fees for The American Express Blue Business Cash™ Card, please click here.
*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
**Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
***Out of network ATM withdrawal and over the counter advance fees may apply. See here for details.
The Secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the U.S. Bank Altitude Go Visa Secured Card, Petal® 2 Cash Back, No Fees Visa® Credit Card and Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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