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+)

Discover it®

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

Credit Needed: Excellent

Average Approved Score: 671*

Lowest Approved Score: 599*

  • 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% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 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 - day or 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

Capital One® VentureOne® Rewards Credit Card

Great For: Travel rewards with no foreign transaction fees.

Credit Needed: Excellent

Average Approved Score: 694*

Lowest Approved Score: 608*

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until December 2015; 11.9%-19.9% variable APR after that
  • Travel when you want-no blackout dates
  • No foreign transaction fees
  • 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 December 2015 N/AN/A 11.9% – 19.9%* Variable $0

Barclaycard Arrival™ World MasterCard®

Great For: Earning double miles on travel and dining

Credit Needed: Excellent

Average Approved Score: 720*

Lowest Approved Score: 664*

  • 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
Balance Transfer
Intro APR
Regular APR Annual Fee
N/AN/A 0% intro for 12 Months
within 45 days of account opening
14.99% or 18.99%* Variable $0

Balance Transfer Credit Cards (Good Credit – 700+)

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 672*

Lowest Approved Score: 615*

  • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 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 March 2016 0%until March 2016 10.9% – 18.9%* Variable $0

U.S. Bank Visa® Platinum Card

Great For: Low balance transfer introductory rates with no annual fee.

Credit Needed: Excellent

Average Approved Score: 679*

Lowest Approved Score: 593*

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%15 Months 0%15 Months 9.99% – 23.99%* 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: 664*

Lowest Approved Score: 591*

  • 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: 614*

Lowest Approved Score: 533*

  • 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 September 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 September 2015 0%*until September 2015 22.9%* Variable $39

Capital One® Platinum Credit Card

Great For: Balance transfers and a low annual fee.

Credit Needed: Fair

Average Approved Score: 607*

Lowest Approved Score: 526*

  • 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: 553*

Lowest Approved Score: 468*

  • Unlike a prepaid card, it builds credit when used responsibly, with 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
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card-accepted at millions of locations worldwide
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 Cards® Platinum MasterCard®

Great for: Building good credit.

Credit Needed: Any

  • It’s a real credit card that helps you build or improve your credit score.
  • The card is secured by an interest-earning CD that you establish and is guaranteed to grow.
  • Your credit can improve when you avoid going over your limit and make payments on time.
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% to 19.90%* $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.