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Credit Cards Comparison - Find your credit card

Last updated: February 9, 2021

Here at Money Under 30, we’ve been reviewing and comparing the best credit cards and providing expert credit card advice since 2006. This year’s list is impressive, and there are a lot of excellent new options for you to choose from. Click “Apply Now” to visit the issuer’s website to apply online immediately and securely. Not sure where to start? Jump down to get our best credit card advice.

Editorial Disclaimer – “This content is not provided by the issuer. Any opinions expressed are those of the MoneyUnder30 team alone, and have not been reviewed, approved or otherwise endorsed by the issuer.” 

Capital One Platinum Credit Card

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

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In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Only average / fair / limited credit is required for approval

  • Be automatically considered for a higher credit line in as little as 6 months

  • No annual fee or foreign transaction fees

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
29.74% (Variable)
Annual Fee
$0

Apply Now >>

Journey Student Rewards from Capital One

In A Nutshell

The Journey Student Rewards from Capital One is a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back. Capital One will also automatically review your credit limit in as little as six months.

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In A Nutshell

The Journey Student Rewards from Capital One is a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back. Capital One will also automatically review your credit limit in as little as six months.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • 1% cash back on all purchases and pay on time to get a boost to 1.25% cash back

  • Be automatically considered for a higher credit line in as little as 6 months

  • No annual fee and no foreign transaction fees

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
29.74% (Variable)
Annual Fee
$0

Apply Now >>

Capital One QuicksilverOne Cash Rewards Credit Card

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

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In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • 1.5% cash back on all purchases.

  • Be automatically considered for a higher credit line in as little as six months.

  • No foreign transaction fees and a modest $39 annual fee.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
29.74% (Variable)
Annual Fee
$39

Apply Now >>

Capital One Platinum Secured Credit Card

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

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In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Poor
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line.

  • Be automatically considered for a higher credit line in as little as six months with no additional deposit needed.

  • No annual fee and no foreign transaction fees.

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
29.74% (Variable)
Annual Fee
$0

Apply Now >>

Capital One SavorOne Cash Rewards Credit Card

In A Nutshell

Foodies will love that the Capital One SavorOne offers unlimited 3% cash back on restaurants and grocery stores. Plus, you’ll enjoy that same 3% rate on entertainment and select streaming services. However, you’ll need to look elsewhere if you want a card that offers strong bonus rewards outside of these categories, as the SavorOne only gives 1% back on all other purchases.

 

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In A Nutshell

Foodies will love that the Capital One SavorOne offers unlimited 3% cash back on restaurants and grocery stores. Plus, you’ll enjoy that same 3% rate on entertainment and select streaming services. However, you’ll need to look elsewhere if you want a card that offers strong bonus rewards outside of these categories, as the SavorOne only gives 1% back on all other purchases.

 

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Easily attainable, one-time $200 cash bonus after spending $500 in the first three months

  • 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®) — with no limit to the rewards you earn.

  • No annual fee or foreign transaction fees, helping you keep costs as low as possible.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0

Apply Now >>

Capital One Quicksilver Cash Rewards Credit Card

In A Nutshell

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash back rewards credit card that charges no annual fee or foreign transaction fees. With a solid earning rate of 1.5% cash back and plenty of ways to redeem, it’s a good option for those seeking simplicity and savings, rather than earning as much cash back as possible.

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In A Nutshell

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash back rewards credit card that charges no annual fee or foreign transaction fees. With a solid earning rate of 1.5% cash back and plenty of ways to redeem, it’s a good option for those seeking simplicity and savings, rather than earning as much cash back as possible.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A one-time $200 cash bonus after spending $500 in purchases within the first 3 months

  • 1.5% cash back on all purchases

  • A 0% intro APR on purchases and balance transfers for the first 15 months – after which, the ongoing APR of 19.24% – 29.24% (Variable) applies; 3% fee on the amounts transferred within the first 15 months

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0

Apply Now >>

Capital One Venture Rewards Credit Card

In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

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In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

  • 2X miles earned for $1 spent on all purchases

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
20.24% - 28.24% (Variable)
Annual Fee
$95

Apply Now >>

Capital One VentureOne Rewards Credit Card

In A Nutshell

The Capital One VentureOne Rewards Credit Card has a litany of benefits including a 20,000 mile one-time bonus after spending $500 in the first 3 months, a 0% intro APR on purchases and balance transfers for 15 months (after which the standard rate of 19.24% – 29.24% Variable applies). A balance transfer fee of 3% applies to amounts transferred within the first 15 months.

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In A Nutshell

The Capital One VentureOne Rewards Credit Card has a litany of benefits including a 20,000 mile one-time bonus after spending $500 in the first 3 months, a 0% intro APR on purchases and balance transfers for 15 months (after which the standard rate of 19.24% – 29.24% Variable applies). A balance transfer fee of 3% applies to amounts transferred within the first 15 months.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A one-time bonus of 20,000 miles after spending $500 in the first three months

  • 1.25 miles earned on every $1 spent

  • No annual fee and no foreign transaction fees

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
19.24% - 29.24% (Variable)
Annual Fee
$0

Apply Now >>

Chase Freedom Flex℠

In A Nutshell

The Chase Freedom FlexSM offers an enticing $200 sign-up bonus after spending $500 in the first three months.  Plus cash back rewards on travel, dining, drugstore and every day purchases with rewards that never expire. All for no annual fee!

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Proceed Card info has been collected by MoneyUnder30 to help consumers better compare cards. The financial institution did not provide or approve card details

In A Nutshell

The Chase Freedom FlexSM offers an enticing $200 sign-up bonus after spending $500 in the first three months.  Plus cash back rewards on travel, dining, drugstore and every day purchases with rewards that never expire. All for no annual fee!

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Awesome $200 cash back bonus after spending $500 on purchases in the first 3 months from account opening.

  • Earn 5% cash back on travel booked through Chase Ultimate Rewards® and on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter, plus earn 1% on all other purchases.

  • 0% Intro APR on purchases and balance transfers for 15 months from account opening on purchases, then a variable APR of 19.24% – 27.99%.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR Purchases
0% Intro APR on Purchases for 15 months
Intro Term Purchases
15 months
Intro APR Balance Transfers
0% Intro APR on Balance Transfers for 15 months
Intro Term Balance Transfers
15 months
Regular APR
19.24% - 27.99% Variable
Annual Fee
$0

Apply Now >>

Chase Freedom Unlimited®

In A Nutshell

The Chase Freedom Unlimited® opens up with a terrific intro offer; earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! Tack on a 0% intro APR for 15 months on purchases and balance transfers (standard 19.24% – 27.99% Variable APR) add to that a strong everyday rewards program and it’s a terrific option for anyone looking to save a ton of money on everyday purchases.

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In A Nutshell

The Chase Freedom Unlimited® opens up with a terrific intro offer; earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! Tack on a 0% intro APR for 15 months on purchases and balance transfers (standard 19.24% – 27.99% Variable APR) add to that a strong everyday rewards program and it’s a terrific option for anyone looking to save a ton of money on everyday purchases.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 in the first year) – worth up to $300 cash back!

  • Unlimited 1.5% cash back on all other purchases.

  • 0% intro APR on purchases and balance transfers for 15 months; then a variable APR of 19.24% – 27.99%.

  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR Purchases
0% Intro APR on Purchases for 15 months
Intro Term Purchases
15 months
Intro APR Balance Transfers
0% Intro APR on Balance Transfers for 15 months
Intro Term Balance Transfers
15 months
Regular APR
19.24% - 27.99% Variable
Annual Fee
$0

Apply Now >>

Chase Sapphire Preferred® Card

In A Nutshell

The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards® – That means the killer 60,000 point sign-up bonus is worth $750 towards travel.

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In A Nutshell

The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards® – That means the killer 60,000 point sign-up bonus is worth $750 towards travel.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A monster of an up-front bonus; 60,000 bonus points after spending $4,000 in the first three months.

  • 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus more.

  • Points are worth 25% more when you redeem travel through Chase Ultimate Rewards®

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro APR Purchases
N/A
Intro Term Purchases
0 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
0 months
Regular APR
20.24% - 27.24% Variable
Annual Fee
$95

Apply Now >>

Ink Business Unlimited® Credit Card

In A Nutshell

The Ink Business Unlimited® Credit Card opens up with a $900 cash back bonus after spending $6,000 in the first three months from account opening; includes 1.5% cash back on all purchases and charges no annual fee.

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Apply Now On the Secure Website

In A Nutshell

The Ink Business Unlimited® Credit Card opens up with a $900 cash back bonus after spending $6,000 in the first three months from account opening; includes 1.5% cash back on all purchases and charges no annual fee.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Earn $900 in bonus cash back after spending $6,000 in the first three months of account opening

  • Earn an unlimited 1.5% cash back on all purchases

  • No annual fee

  • Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Intro APR Purchases
0% Intro APR on Purchases for 12 Months
Intro Term Purchases
12 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
0 months
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0

Apply Now >>

Ink Business Cash® Credit Card

In A Nutshell

The Ink Business Cash® Credit Card is an excellent card for any small business.  From a big up front bonus to an all-around excellent rewards program, cardholders can cash in on rewards without the worry of an annual fee.

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Apply Now On the Chase US Secure Website

In A Nutshell

The Ink Business Cash® Credit Card is an excellent card for any small business.  From a big up front bonus to an all-around excellent rewards program, cardholders can cash in on rewards without the worry of an annual fee.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • $900 cash back bonus after spending $6,000 in the first three months of card ownership

  • 5% cash back on the first $25,000 spent on office supplies, internet, cable and phone service purchases each account anniversary year

  • 0% intro APR for 12 months from account opening on purchases, then a variable APR of 17.49% – 23.49%.

  • Best Offer Ever: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Intro APR Purchases
0% Intro APR on Purchases for 12 months
Intro Term Purchases
12 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
0 months
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0

Apply Now >>

Ink Business Preferred® Credit Card

In A Nutshell

The Ink Business Preferred® Credit Card blows you away with a 100,000 point bonus after you spend $15,000 in the first three months and keeps you coming back with 3 points per dollar spent on travel and select business categories for the first $150,000 spent each account anniversary year.

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Apply Now On the Secure Website

In A Nutshell

The Ink Business Preferred® Credit Card blows you away with a 100,000 point bonus after you spend $15,000 in the first three months and keeps you coming back with 3 points per dollar spent on travel and select business categories for the first $150,000 spent each account anniversary year.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • 100,000 bonus points after spending $15,000 in the first three months (Worth $1,250 in travel when redeemed through Chase Ultimate Rewards®)

  • 3 points earned per $1 spent on travel and select business categories each account anniversary year

  • No foreign transaction fees

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Intro APR Purchases
N/A
Intro Term Purchases
0 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
0 months
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95

Apply Now >>

Indigo® Mastercard® Credit Card

In A Nutshell

The Indigo® Mastercard® Credit Card offers consumers with poor credit the opportunity to use a credit card for everyday spending. Pre-qualification is quick and easy and if you have the credit profile needed, you might be able to secure a credit card with no annual fee. ($0 – $99 annual fee).

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Apply Now On the Secure Website

In A Nutshell

The Indigo® Mastercard® Credit Card offers consumers with poor credit the opportunity to use a credit card for everyday spending. Pre-qualification is quick and easy and if you have the credit profile needed, you might be able to secure a credit card with no annual fee. ($0 – $99 annual fee).

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Poor/
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • $0 – $99 annual fee

  • Easy pre-qualification process

  • Previous bankruptcy is OK

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
24.9%
Annual Fee
$0 - $99

Apply Now >>

Milestone Mastercard®

In A Nutshell

If you have lousy credit and are looking for a way to build it back; the Milestone Mastercard® is a strong option. There’s a quick pre-qualification process with no impact to your credit score, modest interest rate and an annual fee of $35 – $99.

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Apply Now On the Secure Website

In A Nutshell

If you have lousy credit and are looking for a way to build it back; the Milestone Mastercard® is a strong option. There’s a quick pre-qualification process with no impact to your credit score, modest interest rate and an annual fee of $35 – $99.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Poor/
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • $35 – $99 annual fee

  • Easy pre-qualification process

  • Previous bankruptcy is OK

  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S.
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
24.9%
Annual Fee
$35 - $99*

Apply Now >>

In A Nutshell

Read review

In A Nutshell

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
N/A
Annual Fee
N/A

ABOC Platinum Rewards Card

In A Nutshell

If you’re looking for a general rewards credit card, the ABOC Platinum Rewards Mastercard offers an initial $150 statement credit after spending $1,200 on purchases within 90 days from account opening and 5x rewards on up to $1,500 in combined purchases each quarter. Plus the fact that they are now offering 0% interest on all of your new purchases for the first 12 months make this card super attractive.

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Apply Now On the Secure Website

In A Nutshell

If you’re looking for a general rewards credit card, the ABOC Platinum Rewards Mastercard offers an initial $150 statement credit after spending $1,200 on purchases within 90 days from account opening and 5x rewards on up to $1,500 in combined purchases each quarter. Plus the fact that they are now offering 0% interest on all of your new purchases for the first 12 months make this card super attractive.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • 0% Intro APR for 12 months from account opening on purchases. After that, your APR will be based on your creditworthiness.

  • Earn 5x rewards in popular categories such as travel, dining, groceries and automotive purchases on up to a total of $1,500 in combined purchases each quarter

  • Earn a $150 statement credit after spending $1,200 on purchases on your card within the first 90 days from opening your account

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big reward!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No Annual Fee
  • Select Your Rewards Your Way
Intro APR Purchases
0%
Intro Term Purchases
12 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
12.90% - 22.90%
Annual Fee
$0

Apply Now >>

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Credit cards: Our best advice

Finding the best credit cards among thousands of available options can be intimidating, but Money Under 30 has you covered.

On this page, and throughout our credit card section, we’ve hand-picked some of the best credit cards from our partners. We also offer dozens of articles about shopping for a new credit card and using credit responsibly. If you’re new to credit cards—or need a refresher—don’t go any further until you read about how to use a credit card responsibly.

1. Know your credit score

Choosing the best credit card for your needs is a combination of finding offers that you will qualify for (based on your credit history, credit score, and income) and then finding a card with the features you need.

The best credit cards require good credit (those that offer cash back, travel rewards or an introductory 0 percent APR for 15 months or more). What does this mean? Generally, people with good credit have had credit cards and/or loans in their names for at least five years and have never missed a payment. Excellent credit requires seven years of more of responsible credit use.

If you’ve used credit responsibly for between two and five years or you’ve used credit longer but have made a late payment in the last year, your credit may be more in the “good” category but you may also want to review the “fair” category if you’ve been turned down for a credit card in the past.

If you’ve been turned down for credit cards recently or don’t have a lot of credit history, other categories offer a better chance of approval.

2. Determine what’s most important to you

One credit card isn’t going to have everything. The credit cards with the lowest APRs or longest 0 percent introductory interest rates won’t have rewards programs. Among rewards cards, the products with the highest ongoing rewards rates won’t have sign-up bonuses where you can snag $100 or more in bonus rewards within the first few months.

You can use a new credit card in two different ways:

  • Earning rewards. You use the card for most daily purchases and then pay your bill in full every month. This lets you earn rewards without paying interest.
  • Paying over time. You use credit cards to finance large purchases for the flexibility of making payments over time.

We can help you sort out the best cards depending on what you’re looking for.

If you pay your card in full each month and want to earn rewards

If you need to pay for new purchases or balance transfers over time

Still undecided?

Get our overall picks for the best credit cards depending on your credit situation and what you’re looking for in a new card.