MoneyUnder30.com
MoneyUnder30.com

My Recommended Credit Cards

Whether you want to pay off a balance faster or max out rewards, I’ve hand-picked credit cards that best fit our lifestyles in our 20s and 30s. To improve your chances of being approved for these cards, pay particular attention to the credit score data to make sure your score falls within the qualifying range.

Jump to credit cards for: Rewards (good credit), balance transfers (good credit), fair credit or poor credit.

Rewards Credit Cards (Good Credit – 700+)

Capital One® VentureOne® Rewards Credit Card

Great For: Travel rewards with no foreign transaction fees.

Credit Needed: Excellent

Average Approved Score: 692*

Lowest Approved Score: 668*

  • Earn unlimited 1.25 miles on every purchase, every day
  • Pay no annual fee or foreign transaction fees
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until November 2015; 11.9%-19.9% variable APR after that
  • Travel when you want-no blackout dates
  • Miles don’t expire and there’s no limit to how many you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%until November 2015 N/AN/A 11.9% – 19.9%* Variable $0

Discover it®

Great For: Cash back rewards in revolving categories like dining, travel or gas.

Credit Needed: Excellent

Average Approved Score: 691*

Lowest Approved Score: 658*

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases
  • 100% U.S.- based customer service - anytime, day and night
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%14 Months 0%14 Months 10.99% – 22.99%* Variable $0

Barclaycard Arrival™ World MasterCard®

Great For: Earning double miles on travel and dining

Credit Needed: Excellent

Average Approved Score: 714*

Lowest Approved Score: 677*

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A 0%12 Months 14.99% or 18.99%* Variable $0

Balance Transfer Credit Cards (Good Credit – 700+)

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 741*

Lowest Approved Score: 702*

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms,balance transfer terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%6 Months 0%18 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 674*

Lowest Approved Score: 641*

  • Get 0% intro APR on all purchases until February 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%until February 2016 0%until February 2016 10.9% – 18.9%* Variable $0

Credit Cards for Fair Credit (600-699)

Barclaycard® Rewards MasterCard® - Average Credit

Great For: Rewards for spending on gas and groceries

Credit Needed: Fair

Average Approved Score: 658*

Lowest Approved Score: 610*

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 24.99%* Variable $0


Capital One® QuicksilverOne® Cash Rewards Credit Card

Great For: Cash back rewards and low intro rates.

Credit Needed: Fair

Average Approved Score: 618*

Lowest Approved Score: 573*

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until August 2015; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%until August 2015 N/AN/A 22.9%* Variable $39

Capital One® Platinum Credit Card

Great For: Balance transfers and a low annual fee.

Credit Needed: Fair

Average Approved Score: 620*

Lowest Approved Score: 554*

  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account - even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 24.9%* Variable $0 intro for first year; $19 after that

Credit Cards for Poor Credit (Under 600)

Capital One® Secured MasterCard®

Great For: No processing fees or application fees.

Credit Needed: Limited

Average Approved Score: 566*

Lowest Approved Score: 516*

  • Unlike a prepaid card, it builds credit when used responsibly
  • Regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness - no additional deposit required
  • It’s a credit card - accepted at millions of locations worldwide
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 22.9%* Variable $29

USAA Secured MasterCard®

Great for: Building good credit.

Credit Needed: Any

  • It’s a real credit card — not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply — you’ll also be opening a USAA 2-year Certificate of Deposit, an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit — the money you put in upfront, from $250 to $5,000, is the card’s credit limit.
  • Earn interest on your CD — your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don’t default on your payments.
  • Start building your credit — opening a CD lets you get a credit card even if you don’t have a credit history or have bad credit.*
  • *View Rates, Fees and Other Cost Information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 9.90% Variable $35

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.