Top Rated - Credit Cards

Obtaining a credit card can feel challenging, particularly if your credit score is less than perfect or if you’re just beginning to build your credit history. However, we’ve simplified the process by selecting issuers that are open to working with you. These credit cards have been carefully chosen for their secure application process, transparent interest rates, and straightforward terms. The application is fast and easy, so let’s dive into the options available to you.

Current Build Visa® Credit Card

Credit for everyone – Regardless of your credit history!

  • Card Brand

    Other

  • Credit Recommended

    No to Good Credit

  • Annual Fee

    $0.00

  • Monthly Fee

    N/A

  • Regular Purchase APR

    0.00%

  • Rewards

    N/A

  • Full Details

    Card Page

Highlights

Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.

  • Credit for everyone – Regardless of your credit history!
  • Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
  • No minimum security deposit required.
  • Enjoy instant gas hold removals.
  • Reports monthly to all three major credit bureaus.
  • View Product Disclosures

2026 Top Editor's Choice

Arro Card

Start with credit limit up to $300, grow to $2,500

  • Card Brand

    MasterCard®

  • Credit Recommended

    All Credit Types Accepted

  • Annual Fee

    $60* (*discounted in Year 1 for starting credit lines under $300)

  • Monthly Fee

    N/A

  • Regular Purchase APR

    24.99%

  • Rewards

    1% cashback on gas and groceries

  • Full Details

    Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

the secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Rating

  • Annual Fee

    $0 ($25 Annual Fee after the first year.)^

  • Monthly Fee

    N/A

  • Regular Purchase APR

    27.49% (Variable)

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

GO2bank™

Overdraft protection up to $300 with opt-in and eligible direct deposit*

  • Card Brand

    Visa®

  • Credit Recommended

    All Credit Types Considered

  • Annual Fee

    $0.00

  • Monthly Fee

    n/a

  • Regular Purchase APR

    n/a

  • Rewards

    Earn up to 7% cash back when you buy eGift Cards in the app

  • Full Details

    Card Page

Highlights

  • Overdraft protection up to $300 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

Chime Card™

No Credit Check to Apply6

  • Card Brand

    Visa®

  • Credit Recommended

    All Credit Welcome

  • Annual Fee

    N/A

  • Monthly Fee

    N/A

  • Regular Purchase APR

    N/A

  • Rewards

    (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3

  • Full Details

    Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Bad/Poor/Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.9%

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Provider Website

  • Monthly Fee

    See Provider Website

  • Regular Purchase APR

    See Provider Website

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

GreenFi

Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*

  • Card Brand

    MasterCard®

  • Credit Recommended

    Any Credit History

  • Annual Fee

    0.00

  • Monthly Fee

    N/A

  • Regular Purchase APR

    0.00%

  • Rewards

    Up to 6% Cash Back¹ - Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.

  • Full Details

    Card Page

Highlights

GreenFi helps you save money, earn cash back¹, and plant trees² – all while keeping your money out of fossil fuels. No mandatory fees.³ No greenwashing. Just a better way to bank.

Up to 6% Cash Back¹
Unlimited cash back at over 150 climate-friendly brands in our Green Marketplace.

Earn up to 3.50% APY⁴
Put your money to work with our high-yield savings account. Terms and conditions apply.

Get Paid Early⁵
Your paychecks arrive up to 2 days early when you set up Direct Deposit.

55,000 Fee-Free ATMs
Unlimited withdrawals at over 55,000 Allpoint ATMs worldwide, with cash deposits available at select locations (other account fees apply).

Feature-Packed Mobile App
Manage your finances and measure your environmental impact on the go.

Live Customer Support
Our Support Team is here to help you make the most of your account.

Review Full Terms and Conditions here

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.90%

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Good

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7