Many of the most productive credit cards and rewards credit cards can be difficult to obtain as a hobbyist and regularly require smart and correct creditss. If you don’t qualify for those cards, you still have a chance to earn rewards with a variety of credit cards that are less difficult to obtain.
CNBC Select analyzed the most popular cards down to the simplest credit cards to get in various categories. (See our method for more information on how we decide which credit cards are easiest to get. )
None
None
$0
None
29. 99% variable
4% of the amount of transferred balance posted to your account with a promotional APR that Capital One would possibly be offering you
None
Fair/Good
Conditions apply.
Who is it for? The Capital One Platinum credit card doesn’t offer rewards, but it’s possible to get it even if you have satisfactory credit and don’t need to make an initial deposit.
Big Advantages: This card can be the best bridge to improving your credit score (no security deposit required) and progressing to more rewarding credit cards. After just six months, Capital One will automatically review your account for a conceivable line of credit or upgrade it to a rewards card.
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Earn 5% back on purchases at other places you shop each quarter, like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, get unlimited 1% cash back on all other purchases, automatically.
Discover will cover all cash back rewards earned by all new cardholders at the end of their first year.
$0
0% for 6 months on purchases
18. 24% – 27. 24% Variables
3% Introductory Balance Transfer Payment and Up to 5% Payment on Long-Term Balance Transfers (see terms)*
None
Fair/New in credit
*See rates and charges, apply.
Read our review of the Discover it® student cash back.
Who is it for? Discover it® Student Cash Back is available for students with fair credit or limited credit history. This card allows you to earn cash back on each and every purchase.
Notable Benefits: You’re not adept at finding generous welcome bonus offers with student credit cards, but the Discover it® Student Cash Back Card is an exception. When you open a new account, any cash back you earn in the first year will be automatically matched through Discover. There is no limit to this offer, so if you earn back $300 in cash in your first year, you will receive an additional $300 at the end of that year.
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Earn 2% on each of your purchases with unlimited cash back of 1% when you buy, plus an additional 1% when you pay for purchases. To get your money back, pay at least the minimum due on time. Plus, for a limited time At the same time, get a 5% full refund on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24.
Earn $200 in cash back after spending $1,500 on purchases during the first 6 months of account opening. This bonus on offer will be complemented by 20,000 ThankYou® points, which can be redeemed for $200 in cashback.
$0
0% for the first 18 months on transfers; N/A for purchases
19. 24% – 29. 24% variables
For balance movements made within four months of account opening, an introductory balance movement payment of 3% of the movement (minimum of $5) applies; after that, a balance move-in payment of 5% of the move-in ($5 minimum) applies.
3%
Regular/Good/Excellent
See rates and fees, apply.
Read our review of the Citi Double Cash® Card.
Who is it for? The Citi Double Cash card is one of the most productive cashback credit cards with no annual fee. Normally, you’ll need a smart credit score to get approved for the most productive credit cards, but you can get the Citi Double Cash card with fair or average credits.
Notable Advantages: The most productive component of this card is its simplicity. You’ll earn 2% cash back on every purchase: 1% cash back when you buy and 1% cash back when you pay.
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Earn 10% cash back on purchases made through Uber and Uber Eats, as well as free credits in the Uber One club through November 14, 2024; 8% cash back on Capital One Entertainment purchases; Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (conditions apply); 3% cash back at restaurants and grocery retailers (excluding big box retailers like Walmart® and Target®); 3% cash back on popular streaming and entertainment services; 1% cash back on all other purchases
Earn $50 cash bonus when you spend $100 on purchases within the first 3 months of account opening.
$0
None
19. 99% – 29. 99% variables
4% of the amount of transferred balance posted to your account with a promotional APR that Capital One would possibly be offering you
None
Fair
Conditions apply.
Read our review of the Capital One SavorOne Student Cash Rewards credit card.
Who is it for? The Capital One SavorOne Student Cash Rewards credit card is for students who spend a significant amount on meals, entertainment, streaming services, and groceries, with reward rates that compare favorably to those of non-student credit cards.
Great perks: You’ll get 10% cashback on Uber Eats orders and Uber rides, plus credits toward monthly Uber One fees through November 14, 2024. With Uber One, you can save even more on orders with reduced delivery costs. and up to 10% off eligible Uber Eats orders.
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Automatically get 2% rebate at gas stations and restaurants with up to $1,000 in combined purchases each quarter. Plus, get unlimited 1% cashback on all other purchases.
Discover will match any cash back you earned at the end of your first year.
$0
N/A on purchases
28. 24% variable
3% introductory balance transfer payment and up to 5% payment on long-term balance transfers (see terms)*
None
New / Rebuild
*See rates and charges, apply.
Read our Discover it® secured credit cards.
Who is it for? The Discover it® secured credit card is a wonderful secured credit card that only generates rewards, but also comes with a potentially lucrative welcome bonus.
Big perks: Money you earn during the first year of owning the card will be matched for cash back. There is no minimum spending requirement, so you won’t risk missing out on your introductory bonus. Additionally, this card does not charge any fees for foreign transactions.
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If you need to do all your banking in one place, Discover’s® Cash Back Checking Debit Account gives you a debit card that allows you to get 1% coins back on up to $3,000 in debit card purchases a month. You can also get generous cashback in your coins with a Discover® online savings account.
$0
$0
None
1% cash back on up to $3,000 on debit card purchases per month. Visit the online page to learn more by clicking on “Learn More”.
More than 60,000 Allpoint® and MoneyPass® ATMs
None
$0
Yeah
Conditions apply.
4. 25% per year
None
None
Up to 6 free withdrawals or transfers consistent with the cycle
None
None
Yeah
Yes, if you have a Discover® account
Conditions apply.
Read our Discover Online Savings® Account review.
New feature! Earn up to 10% cash back on your purchases
No welcome bonus
$35
N/A
25. 64% variable
N/A
3%
No story
Conditions apply. Click to view the Cardholder Agreement.
Who is it for? If you’re having trouble getting your first credit card approved, the OpenSky® Secured Visa® Credit Card could be a smart choice. According to their website, founded in the first quarter of 2024, the average approval rate for this card is 89. 35%.
Exceptional Benefits: The OpenSky Secured Visa Card requires only an initial deposit of $200 and reports to the 3 major credit reporting agencies. You also have the opportunity to earn up to 10% cash back on purchases through special offers.
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1% cash back on payments
None
$49
N/A
15. 24% variable
3%
Poor/Limited/No credit
Conditions apply.
Who is it for? The First Progress Platinum Prestige Mastercard® secured credit card is ideal if you’re looking for an unusually low initial variable APR.
Great benefits: It’s a secured credit card, but it allows you to get 1% back on every payment. This allows you to earn rewards while you work to rebuild your credit score.
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1% cash back on eligible purchases without delay and up to 1. 5% cash back on eligible purchases after making 12 invoices per month on time; 2% to 10% cashback at merchants
None
$0
None
18. 24% – 32. 24% variable
N/A
None
Regular, well, no credit
Conditions apply.
Who is it for? The Visa® Petal® 2 “Cash Back, No Fees” credit card is open to applicants with no credit history, adding those who do not have a Social Security number. Instead of requiring a credit score, your banking activity and other monetary knowledge possibly qualify for the card.
Big advantages: You can get your money back by paying bills on time. You’ll start earning 1% cash back and can earn up to 1. 5% after making 12 on-time invoices per month.
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5% cash back on your first $2,000 on combined eligible purchases for the quarter in two categories of your selection, 2% cash back on eligible purchases in a daily category of your selection (such as gas stations, grocery stores, and restaurants), and 1% cash back on all other eligible purchases
None
$0
None
29. 99% variable
Either 3% of the transfer amount or a minimum of $5, whichever is greater.
3%
Poor/None
Who is it for? The U. S. Bank Cash Visa ®® is easy to obtain, even with little or no credit, as it is a secured credit card that requires an initial deposit. But unlike many other secured credit cards, it offers a generous rewards structure.
Great advantages: This card allows you to customize it and earn cashback bonuses. You’ll earn 5% on the first $2,000 spent on eligible purchases in a combined quarter in two of the 12 categories of your choice. You will also get 2% cashback on another category of your choice.
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Earn unlimited 1. 5% cash back on all your purchases
None
$0
None
28. 49% variable
4% of the transaction (minimum $0)
3%
Poor/No Record
Conditions apply.
Who is it for? Bank of America’s Business Advantage Unlimited Cash Rewards Secured Credit Card gives you the opportunity to earn business credits while earning rewards.
Great benefits: This card offers a generous 1. 5% cashback on all purchases, which is above-average cashback for everyday purchases, especially for a secure business card.
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Earn unlimited 1. 5% money back on each and every purchase
Earn $25 credits after signing up for automatic bills within the first 3 months of opening your account.
$0
N/A
26. 99% variable APR
5% or $5 transfer, whichever is greater
3% of the transaction amount in US dollars.
New/Rebuild
Conditions apply. Chase Freedom Rise℠ credit card data was collected independently through Select and was reviewed or provided by the card issuer prior to publication.
Who is it for? Chase Freedom Rise℠ is a card designed for new credit and provides a wonderful opportunity to build a relationship with Chase. According to Chase, having a Chase checking account with a balance of at least $250 will increase your chances of being approved for this card.
Great benefits: This card earns 1. 5% cash back on all purchases, which is above-average cash back for a regular credit card and exceptional for a credit card designed for those building their credit history.
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The Capital One Platinum Credit Card is a credit-building card that you can upgrade to a more rewarding credit card in just six months.
Awards
None
Welcome bonus
None
Annual membership fee
$0
Notable benefits
This card has no foreign transaction fees and provides users with free access to CreditWise, which is Capital One’s credit monitoring service. You can also save 50% on craft beverages at Capital One coffee shops when you pay with your Capital One card.
To help put unnecessary pressure on your credit report, Capital One provides pre-approval for this card. Capital One automatically considers you for a higher line of credit or an upgrade to a rewards card in as little as six months.
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The ability to get money back in rotating categories makes Discover it® Student Cash Back a valuable option.
Awards
Welcome bonus
For all new accounts, Discover will refund all money earned at the end of your first year, with no minimum completion requirements or adjustment limits.
Annual contribution
$0
Notable benefits
The Discover it® Student Cash Back card has no overseas transaction fees, which is useful for anyone reading abroad or traveling abroad during school breaks. You also earn 0% introductory APR on new purchases for the first six months. After the introductory period, a variable APR of 18. 24% to 27. 24% applies.
Check out CNBC Select credit cards for school students.
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What makes the Citi Double Cash Card a wonderful no-annual-payment credit card is the 2% unlimited cash back you earn on all eligible purchases.
Rewards
Earn 2% cash back on all your purchases: 1% when purchasing and 1% when checking out. For a limited time, earn 5% full cash back on hotels, car rentals and attractions booked on the Citi TravelSM portal on 12/31/24.
Welcome bonus
Earn $200 in cash back after you spend $1,500 on purchases within the first 6 months of account opening. This bonus being offered will be complemented by 20,000 ThankYou® points, which can be redeemed for $200 in cash back.
Annual contribution
$0
Notable Benefits
When you make a balance move with the Citi Double Cash® Card within the first 4 months of account opening, that move earns an introductory balance move payment of 3% of the amount you transfer ($5 minimum). After the introductory period, a balance payment for move-in is 5% of the amount you move (minimum $5). With a new account, you’ll get a 0% introductory APR for the first 18 months (and then a variable APR of 19. 24% to 29. 24%).
Although technically a coin return card, it recovers coins in the form of Citi ThankYou® issues. This gives you more features to redeem your emissions. You can use ThankYou issues to retrieve coins (checks, direct deposits, credits) and other redemptions, such as gift cards worth one cent per point. You can also carry those issues over to 3 travel loyalty programs: JetBlue, Wyndham, and Choice Hotels. Linking this card to the Citi Strata Premier℠ card (see fees and charges), will unlock access to even more moving partners, such as Turkish Airlines, Avianca and Singapore Airlines.
Discover CNBC Select Cashback Credit Cards
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The Capital One SavorOne Student Cash Rewards Credit Card is a card designed for students with complimentary rates that match many cash back credit cards.
Rewards
Welcome bonus
Earn $50 cash bonus after you spend $100 on purchases in the first 3 months of account opening.
Annual Membership Fee
$0
Notable benefits
This card has no foreign transaction fees or supplies for Capital One Dining and Capital One Entertainment. When you want to go off campus to study, you can enjoy 50% off craft drinks at all Capital One coffee shops.
Eligible purchases get protections like travel accident insurance and extended warranty protection*. Capital One also gives you free access to CreditWise®, its credit tracking service.
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The Discover it® secured credit card is a counterfeit credit card, even if you’re in the process of rebuilding your credit. It allows you to earn rewards as your credit score increases and provides a transparent path to upgrading to an unsecured card. .
Awards
Welcome bonus
Discover will adjust to the repayment of money you earn during the first year, with no minimum spend or adjustment limits.
Annual membership fee
$0
Notable benefits
The Discover it® secured credit card requires a refundable security deposit of at least $200; However, after seven months, an automatic check is done to see if you can be transferred to an unsecured card. This eliminates the worry of wondering when you qualify for an unsecured credit card.
There are no overseas transaction fees, so you may not be charged for the card abroad. The cashback you win can be used at any time with no minimum, by adding it directly via PayPal.
Check out CNBC Select cards for construction credit.
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The OpenSky® Secured Visa® Credit Card is a low annual payment secure card with an average approval rate of 89%, which is great news if you qualify for other credit cards.
Rewards
Welcome bonus
None
Annual fees
$35
Notable Benefits
To be eligible for the OpenSky Secure Visa card, you will need to make a refundable security deposit of at least $200 (maximum deposit of $3000). Although it’s a secured credit card, after making six months of on-time bills, you may simply gain advantages from accumulating a credit limit or transitioning to an unsecured card.
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The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured card that requires a $200 initial deposit.
Rewards
Welcome bonus
None
Annual contribution
$49
Notable benefits
There is no minimum credit score required to be approved for the First Progress Platinum Prestige Secured Card. You will be required to make an initial refundable security deposit of $200 to $2,000 and your credits limit is on your deposit. You can redeem rewards for money you earn as credits to your balance.
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The Visa® Petal® 2 “Cash Back, No Fees” credit card is not only easy to obtain, but it is also fee-free and doesn’t add late fees. Instead of judging your creditworthiness based solely on your credit history, Petal may ask you to link your bank accounts to the application process. WebBank then analyzes your bank statements and other data, such as bills and income, to determine your eligibility.
Rewards
Welcome bonus
None
Annual contribution
$0
Notable Benefits
The most productive component of the Petal 2 card is that it has no fees, no annual fees, no foreign transaction fees, no overdue fees, and no late payment fees. The ability to earn up to 1. 5% back after paying 12 bills a month on time is not only a wonderful benefit, but also a wonderful way to inspire guilty behavior. You can also take advantage of limited time offers of 2% to 10% off at merchants.
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The flexibility in which purchases reap maximum rewards is what makes U. S. Secured CardBank Cash ® Visa® is a smart choice for those who need to earn money.
Rewards
Welcome bonus
None
Annual contribution
$0
Notable benefits
The main merit of U. S. Bank Cash Visa ®® lies in its flexible praise categories. Plus, the coins you earn with this card are easy to redeem. You can redeem coins for credit, a deposit into a U. S. bank account (savings, checking, or money market), or a U. S. prepaid card. Bank Rewards. You will need at least $25 to make a redemption.
When opening a new account, you will have to make a deposit of between $300 and $5,000 that serves as a line of credit. If you spend within your credit limit and pay your bill when it is due, U. S. Bankruptcy Bank will possibly upgrade you to the U. S. card. Bank Cash+® Visa Signature®, at which time your security deposit will be returned to you.
Check out CNBC Select’s most productive spending cards.
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The Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card is a secured business credit card designed to give businesses with poor credit a chance to get things done.
Awards
Welcome bonus
None
Annual contribution
$0
Notable Benefits
With Bank of America’s Business Advantage 360, you can view your Dun business credit score
Discover business credit cards to get from CNBC Select
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Chase Freedom Rise℠ is a no-fee card for those just starting their credit journey. It’s easier to qualify if you’re already a visitor to a Chase checking account with a balance of at least $250.
Awards
Welcome bonus
Earn $25 credits after signing up for automatic bills within the first 3 months after account opening.
Annual contribution
$0
Notable Benefits
You can redeem the money you earn with Chase Freedom Rise for gift cards, credits, travel, and more. And as you build your credit history, this card allows you to transfer to other Chase credit cards, such as Chase Freedom Flex℠ and Chase. Unlimited® freedom.
It also provides peace of mind with benefits such as acquisition protection, extended warranty protection, and vacation cancellation/interruption insurance. Anyone who loves delivery can sign up for 3 months of free DoorDash DashPass (activated before December 31, 2024). For single months, you’ll be automatically enrolled in DashPass with a 50% reduction for the next nine months.
Check CNBC Select credit cards for bad credit.
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When you apply for a credit card, you regularly run a hard inquiry into your credit report. Difficult inquiries may temporarily lower your credit score. However, if a credit card grants pre-approval, you can potentially avoid the scenario where you take a hit on your credit report even though you are approved for the card.
Being offered a pre-qualified or pre-approved credit card does not guarantee that you are eligible for the card, but it can help you focus on the cards you are most likely to be approved for. If you are not pre-approved, this is a card you probably do not need to apply for.
Many credit card issuers offer pre-approvals, adding Discover, OpenSky, American Express, and more.
When you buy a credit card, you need the most productive option for you. Start thinking about why you need a credit card and what you hope to get out of it. If you’re hoping to build your credit, any card can get you approved for help as long as you pay your balance in full and on time each month.
You’ll also want to know the prices and benefits thoroughly before applying.
In addition to offering an option to grow your credits, credits also come with a huge variety of advantages and benefits.
Large welcome bonuses and commendation rates account for a large portion of the price you get with any card. Knowing what you need to use praise for and where you spend the most can help you decide which card is the most productive for you. Praise is easy to use, but praise can come with a higher potential price tag if you follow a few steps. Some cards are attractive specifically for groceries, gas, food, or variety. Other cards are great for everyday purchases because they offer a premium flat rate. Recover every dollar spent.
Most credit cards have interest and fees that are very important to understand. One of the most common fees is the annual fee, which you pay each year just to keep the card. If you’re building or rebuilding your credits, it’s Maximum Productive to focus on credit cards with no annual fee.
Credit cards also tend to have higher APRs. When you carry a balance on your card, the interest you pay can easily offset any price you get from that card’s benefits. If you’re racing to pay off your card debt, you can possibly take advantage of a card that offers a 0% introductory APR, but don’t forget that if you don’t pay off the balance before the introductory APR expires, you’ll start paying interest again.
Credit cards come in all shapes and sizes. No matter where you are in your credit journey or what you need to get out of a credit card, it’s probably a smart solution for you.
Secured credit cards are a smart choice if you have no credit history or a low credit score because they are easy to obtain. This type of credit card requires an initial refund deposit and your line of credit is based on your deposit. Secured cards tend to offer few rewards, but you may need to transfer them to an unsecured card after making normal bills on time.
An unsecured credit card doesn’t require a deposit, and the credit line you get is based on points like your source of income and your credit history. You’ll usually want a credit score to open this type of card, and the highest-paying with unsecured cards requires the highest credit scores. Most types of credit cards are unsecured, including credit cards, cash back cards, business credit cards and many more.
Cash back cards, airline cards, hotel cards, and cards are other types of rewards credit cards. With a rewards credit card, you can earn express merchant or logo issues or earn general rewards that can be redeemed in a variety of ways. These cards may also offer additional benefits, such as vesting protections, elite prestige benefits, or additional bonuses when you spend a certain amount on your card.
You can open a credit card regularly at the age of 18. However, it can be tricky to get a card if you don’t have a credit history. Student credit cards are a solution to this problem. To be eligible, you will sometimes need to be 18 years old and enrolled in an eligible college. These cards allow you to build your credit history, and some even offer fundamental rewards.
Business credit cards are a wonderful tool for small business owners, allowing them to easily separate personal and business expenses. Business credit cards are generally designed for small and medium-sized businesses and differ from business credit cards. a private credit score to qualify for those cards, although the activity may not appear on your private credit report.
When you apply for a credit card, the issuer periodically checks your credit and verifies your identity. To complete an application, you’ll need your Social Security number (although some cards are available without SSNs), address, income, employment status, and touch information. You can save yourself the pain of applying for a card and having it denied by researching a few key points before clicking Submit Request.
Most of the most productive credit cards have minimum credit score requirements. By knowing your credit score beforehand, you can focus only on the cards you have the best chance of qualifying for. If your credit score is rarely where it is, it would probably be more productive to wait and work to improve it before applying.
In addition to a secure credit score, credit cards also have other guidelines. These restrictions vary depending on the card, card issuer, and card type. For example, secured credit cards require an initial deposit and business credit cards require you to have a business or a side business. Other regulations depend on the card issuer, American Express limits you to earning the introductory bonus of an express card once during your lifetime. With Chase, you may not be eligible for a card if you have opened five or more credit cards with a bank in the last 24 months. Do your studies ahead of time and read the fine print so you can get around any limitations you may face.
Some banks or cards offer pre-approval or pre-qualification. Being pre-qualified for a credit card does not guarantee your approval. However, if you don’t have pre-approval, you can apply for a card if you’re in danger of being rejected. This can help you add an unnecessary itemized application to your credit report, which is helpful because complicated programs temporarily lower your credit score.
Although other credit scoring models exist, the most commonly used versions rely on similar data to create your credit score. However, your payment history and debt carry more weight. So those are the two spaces to concentrate as much as possible if you need to give your credits a boost.
When you open a customer credit card or apply for a private loan, the activity on those accounts is tracked through the agencies that create your credit report. When you make a payment on time, it definitely reflects on your credit score. Over time, consistently paying your expenses on time is one of the tactics to boost your credit score.
One thing to keep in mind is that not all invoices are tracked on your credit report. When you pay your app bill or streaming subscription, sometimes it has no effect on your credit score. However, there are services, such as *Experian Boost™ and eCredable Lift®, that allow you to link more types of accounts for express credit reports.
Free
13 points, effects vary.
Experian®
FICO® Score
Results will vary. See for details.
How to sign up for Experian Boost:
Learn more about eligible bills and how Experian Boost works.
This type of equipment can increase your credits, but there are limits. You may have to pay fees, they usually only report one of the three major credits and some facilities can also hurt your score if you upload a negative payment history.
Your overall debt makes up a large portion of your credit score. Being debt-free or having a plan to pay it off is essential to building your credit.
With revolving accounts, such as credit cards, it’s vital to pay off the balance in full each month because this reduces your credit usage rate. Your credit utilization rate shows how much of your available credits you are using. Keeping this number low will help your credit score.
If you have bad credit, the Petal® 2 Cash Back, No Fees Visa® Credit Card is one of the cards you should get because the issuer considers other factors, such as banking activity, in addition to your credit score.
If you have a credit score of 500, the credit cards you’ll get will be secured credit cards that require a deposit, such as the Discover it® secured credit card or the U. S. Visa® Cash ® secured credit card.
For a legal user on someone else’s credit card account, the number one account holder will have to charge them as the legal user. Authorized users get their own credit card, but sometimes they will not have access to the same benefits as the number one cardholder and may be charged a fee for loading legal users.
Store credit cards are easier to obtain, but may have limited rewards or other limitations. Many store cards can only be used with that specific store or have fewer useful benefits than other types of credit cards.
At CNBC Select, our goal is to provide our readers with high-quality journalism and comprehensive customer recommendations so they can make informed decisions with their money. Each credit card review is based on rigorous reports written by our team of expert writers and editors with deep knowledge of credit card products. Although CNBC Select obtains a commitment from its partner partners on many offers and links, we create all of our content without the involvement of our sales team or external third parties, and we are proud of our journalistic standards and ethics. Check out our method. to learn more about how we decide which are the most productive simple credit cards.
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To determine which cards offer the most productive price for easy-to-approve cards, CNBC Select analyzed more than 250 primary credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the United States. Joined.
We compare each card across a diversity of features, adding rewards (e. g. , cashback, issuances, and miles), annual fees, welcome bonuses, introductory and popular APRs, balance transfer fees, and foreign transaction fees. We’ve also thought about additional benefits (e. g. , existing or business travel credits), cardholder coverages (e. g. , acquisition coverage, $0 liability coverage, and travel insurance), the application procedure, when it can be obtained (e. g. , if there’s a credit application or credit score is required), and how simple it is to redeem emissions (e. g. , (e. g. , are the rewards connected to an Express brand?; if transferable, to how many/which partners, you can redeem them for direct cashback. ) Also thought of as CNBC audience insights select where to be available, such as broad demographics and engagement with our content and tools.
For cards that offer a rewards program, we analyzed customer spending forecasts from location intelligence company Esri to see where U. S. customers spend the most money, such as on dining and travel. We use this to determine which bonus categories are most useful to customers. The price of a point or mile varies depending on the price they can be redeemed for, we also think about things like transferskill and the ability to redeem them for cashback.
When opting for the most productive and easiest to obtain credit cards, we focus on cards available to consumers with no credit or poor credit.
Follow CNBC Select’s detailed policy on credit cards, banking and money, and stay in touch with us on TikTok, Facebook, Instagram and Twitter to stay informed.
*For Capital One products indexed on this page, some of the benefits above are provided through Visa® or Mastercard® and will likely vary by product. Please refer to the applicable Benefits Guide for further details, as situations and exclusions apply.
*Results may vary. Some may not see an improvement in scores or chances of passing. Not all lenders use Experian credit files and not all lenders use scores impacted by Experian Boost.
U. S. Visa Signature® Cash ® Card detailsBank Funds collected independently through Select and not reviewed or provided through the card issuer prior to publication.
The Visa® Petal® 2 “Cash Back, No Fees” credit card is issued through WebBank.
For Discover it® secured credit card fees and charges, click here.
For cash back and student rates from Discover it®, click here.
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