**Recommended credit
- Get cash back on all purchases 3% cash back on all purchases up to $10K every year, then 2% unlimited
- $0 annual fees
- Simple, straight forward rewards structure – no rotating categories, no complicated bonus tiers. Best in class cash back rewards with 3% on the first $10K and 2% unlimited after on all purchases
- Good for moderate to high spenders – especially for people who spend $10k-$25K so they can realize the 3% rate on the first chunk and still earn the strong 2% after
- Homeowners have the option to upgrade – get the Aven Home Equity Visa with line sizes up to $400K and rates as low as 7.49%
- World-class app experience: pay bills, check activity, monitor credit score all from the Aven mobile app
- For eligible accounts, you can earn 3 points per $1 spent on the first $10,000 of Net Eligible Purchases. After that you will earn the standard cash back amount provided in the Rewards Terms & Conditions. See Cash Back Terms & Conditions. Some restrictions apply.
- Partnered with Coastal Community Bank, a Member FDIC Insured Bank
- Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289
**Recommended credit:
Good-Excellent
Annual fee
$0
Intro APR
N/A
Ongoing APR
17.99% - 27.99% Variable
Balance transfer
N/A
**Recommended credit
Fair-Poor
Imagine
Imagine® Visa® Credit Card
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
**Recommended credit:
Fair-Poor
Annual fee
As low as $99
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
**Recommended credit:
Fair-Poor-Bad
Annual fee
Monthly Fee: $0 the first year; $150 annually thereafter (billed $12.50 each month)
Intro APR
N/A
Ongoing APR
35.90%
Balance transfer
N/A
**Recommended credit
All Credit Types Considered
GO2bank
GO2bank™
- Overdraft protection up to $300 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
- *Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.
**Recommended credit:
All Credit Types Considered
Annual fee
N/A
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
First Progress
First Progress Prestige Secured Mastercard®
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!²
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Poor-No Credit
Annual fee
$49
Intro APR
N/A
Ongoing APR
13.49% Variable APR for Purchases
Balance transfer
N/A
First Progress
First Progress Select Secured Mastercard®
- Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Apply with no impact to your credit!²
- The first step to rebuilding your credit starts with just $200!¹
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Poor-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.49% Variable APR for Purchases
Balance transfer
N/A
First Latitude
First Latitude Assent Secured Mastercard®
- Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (V)
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- Monitor your credit score right in the app
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- Get up to 15% Merchant Cashback at 29,000+ partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government). Rates and Fees
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
First Latitude
First Latitude Elite Secured Mastercard®
- Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- Apply with no impact to your credit!²
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ²We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$29
Intro APR
N/A
Ongoing APR
23.49% (V)
Balance transfer
N/A
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted**
- No Limit on Monthly Rewards Earned
- No hidden fees
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
**Recommended credit:
Fair
Annual fee
$0
Intro APR
N/A
Ongoing APR
35.99% fixed APR
Balance transfer
N/A
**Recommended credit
Fair - Poor
Aspire Card
Aspire® Cash Back Rewards Mastercard
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
- *See Program Terms for important information about the cash back rewards program.
- ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
**Recommended credit:
Fair - Poor
Annual fee
$85-$175 first year, $229 thereafter
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
Luxury Card
Mastercard® Gold Card™
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare or cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or cash back, issued as a direct deposit statement credit.
- $300 Annual Airline Credit: Receive up to $300 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. No enrollment or airline designation required.
- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card for restaurant transactions. No enrollment, designated restaurant networks or third-party apps required.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursement credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Made with 24K Gold®: A contactless, patented metal card design that raises the standard.
- Exclusive Luxury Card Travel® benefits—average value of $750 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
**Recommended credit:
Excellent
Annual fee
$1,199 ($349 for each Authorized User added to the account)
Intro APR
N/A
Ongoing APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
Balance transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
**Recommended credit
Fair-Poor
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
- *See Program Terms for important information about the cash back rewards program.
- **Fraud liability subject to Mastercard rules.
- † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
**Recommended credit:
Fair-Poor
Annual fee
$85-$175 first year, $229 thereafter
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
Luxury Card
Mastercard® Black Card®
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare and 1.5% for cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or $750 value in cash back, issued as a direct deposit statement credit.
- $200 Annual Airline Credit: Receive up to $200 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. No enrollment or airline designation required.
- $100 Annual Dining Credit: Receive up to $100 in annual statement credits when you use your Luxury Card for restaurant transactions. No enrollment, designated restaurant networks or third-party apps required.
- Receive up to $120 reimbursement credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Made of Stainless Steel®: A contactless, patented metal card design that raises the standard. "
- Exclusive Luxury Card Travel® benefits—average value of $750 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
**Recommended credit:
Excellent
Annual fee
$699 ($249 for each Authorized User added to the account)
Intro APR
N/A
Ongoing APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
Balance transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Gemini
The Gemini Credit Card®
- Earn 4% crypto back per dollar spent on gas and EV charging purchases up to $200 in spend per month on the first year. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month.
- Earn 3% on dining and 2% on groceries.
- All other purchases earn 1% crypto back per dollar spent.
- Rewards with the power to grow. Instant crypto rewards. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
- No annual fee and no foreign transaction fees. APR rates vary based on creditworthiness. See Rates & Fees for more details.
- You can earn bitcoin, ethereum, or 50+ other cryptos available on Gemini
- Easily change the crypto you want to earn back, as often as you want.
- Gemini operates a cryptocurrency exchange offering products that allow you to buy, sell, and store cryptocurrency and operates the Gemini Credit Card. The Gemini Credit Card is issued by WebBank. It runs on the Mastercard payment network and offers various benefits from Mastercard.
**Recommended credit:
Excellent-Good
Annual fee
$0
Intro APR
N/A
Ongoing APR
Purchase: 18.49% - 34.49% Variable Cash Adv: 30.24% Penalty: 34.24% Accurate as of January 29, 2025
Balance transfer
N/A
Luxury Card
Mastercard® Titanium Card®
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare and 1% for cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or $500 value in cash back, issued as a direct deposit statement credit.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Brushed Metal Card: A contactless, patented metal card design that raises the standard.
- Exclusive Luxury Card Travel® benefits—average value of $750 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual fee: $299 ($149 for each Authorized User). Terms and conditions apply.
**Recommended credit:
Excellent
Annual fee
$299 ($149 for each Authorized User added to the account)
Intro APR
N/A
Ongoing APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
Balance transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.