| Amazon Store Card |
Synchrony |
Store card |
$0 |
Retail / Store Card |
Fair-Good (630+) |
Equifax primarily |
No formal tool |
In-store financing on Amazon purchases |
Amazon financing |
| Discover it Student Cash Back |
Discover |
Discover |
$0 |
Entry-Level / Near-Prime |
No credit history required (student) |
TransUnion/Equifax (varies) |
Yes |
Designed for students building credit |
Student credit-building |
| U.S. Bank Altitude Reserve Visa Infinite |
U.S. Bank |
Visa |
$400 |
Premium Prime |
Excellent (740+) |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
Premium mobile-wallet/travel value card |
Premium travel |
| Citi Strata Elite |
Citi |
Mastercard |
$595 |
Prime |
Excellent (740+) |
Equifax primarily |
No formal tool |
Premium travel perks |
Premium travel |
| Delta SkyMiles Reserve American Express Card |
American Express |
Amex |
$650 |
Premium Prime |
Excellent (720+) |
Experian primarily |
Yes |
Premium airline card with lounge access and companion-style benefits |
Airline premium travel |
| Hilton Honors American Express Aspire Card |
American Express |
Amex |
$550 |
Premium Prime |
Excellent (720+) |
Experian primarily |
Yes |
Premium hotel card with elite-style benefits |
Premium hotel |
| Marriott Bonvoy Brilliant American Express Card |
American Express |
Amex |
$650 |
Premium Prime |
Excellent (720+) |
Experian primarily |
Yes |
Premium hotel card with elite-style benefits |
Premium hotel |
| United Club Infinite Card |
Chase |
Visa |
$525 |
Premium Prime |
Excellent (720+) |
Experian (varies by region) |
No |
Premium airline club access card |
Airline premium travel |
| Alliant Cashback Visa Signature |
Alliant Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
2.5% cash back with qualifying checking account (1.5% otherwise); membership open nationwide via $5 donation to Foster Care to Success |
Nationwide credit union rewards |
| America First Cashback Visa Signature |
America First Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
1.5% cash back on every purchase; membership required |
Member cash back |
| Capital One Venture X |
Capital One |
Visa |
$395 |
Premium Prime |
Excellent (720-800) |
Reports/pulls all 3 bureaus |
Yes |
Median approved score ~765; favors 12+ mo. history |
Premium travel |
| Citi AAdvantage Executive World Elite Mastercard |
Citi |
Mastercard |
$595 |
Prime |
Good-Excellent (700+) |
Equifax primarily |
No formal tool |
Airline lounge-focused premium airline card |
Airline premium travel |
| Connexus Xtreme Cash Back Visa Signature |
Connexus Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Up to 1.8% cash back based on account relationship; membership open nationwide via association fee |
Nationwide credit union cash back |
| Consumers Credit Union World Rewards Visa Signature |
Consumers Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Premium rewards variant with relationship-based perks |
Nationwide credit union rewards |
| Fifth Third Preferred Cash/Back Card |
Fifth Third Bank |
Mastercard |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Available to Preferred Banking clients; 2% unlimited cash back |
Relationship cash back |
| PenFed Pathfinder Rewards Visa Signature |
PenFed Credit Union |
Visa |
$95 (waived for Honors Advantage members) |
Prime |
Good-Excellent (700+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Membership requires $5 savings deposit; premium travel perks |
Military/civilian travel |
| PNC Premier Traveler Visa Signature |
PNC Bank |
Visa |
$0 intro, then $85 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
2x miles all purchases; no foreign transaction fee |
Travel rewards |
| Signature FCU Visa Signature Cash Back |
Signature Federal Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
2% cash back everywhere and 6% on streaming; membership required |
Member rewards |
| TD First Class Visa Signature |
TD Bank |
Visa |
$0 |
Prime |
Good-Excellent (700+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Premium travel-oriented perks |
Premium travel |
| U.S. Bank Korean Air SKYPASS Select Visa Signature |
U.S. Bank |
Visa |
$450 |
Premium Prime |
Good-Excellent (700+) |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
Airline co-brand with travel credits and lounge visits |
Airline travel |
| American Express Platinum Card |
American Express |
Amex |
$895 |
Premium Prime |
Excellent (720+) |
Experian primarily |
Yes |
Extensive lounge and travel credits |
Luxury travel |
| Chase Sapphire Reserve |
Chase |
Visa |
$795 |
Premium Prime |
Excellent (720+) |
Experian (varies by region) |
No |
Subject to Chase 5/24 rule; premium lounge access |
Premium travel |
| Navy Federal Visa Signature Flagship Rewards |
Navy Federal Credit Union |
Visa |
$49 |
Premium Prime |
Good-Excellent (700+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Premium travel perks for members; membership required |
Premium military travel |
| U.S. Bank Cash+ Visa Signature |
U.S. Bank |
Visa |
$0 |
Prime |
Good-Excellent (690+) |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
5% back on two chosen categories each quarter |
Category cash back |
| American Express Gold Card |
American Express |
Amex |
$325 |
Prime |
Good-Excellent (700+) |
Experian primarily |
Yes |
Pre-qualification tool available; most Amex cards need 670+ |
Dining/grocery rewards |
| Bank of America Premium Rewards |
Bank of America |
Visa |
$95 |
Prime |
Good-Excellent (700+) |
TransUnion primarily |
No formal tool |
Travel/dining bonus categories |
Mid-tier travel |
| Cathay World Elite Mastercard |
Synchrony Bank |
Mastercard |
$95 |
Prime |
Good-Excellent (700+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
Travel rewards; airline co-brand |
Airline travel |
| Citi Strata Premier |
Citi |
Mastercard |
$95 |
Prime |
Good-Excellent (700+) |
Equifax primarily |
No formal tool |
Bonus categories on travel/dining/gas |
Mid-tier travel |
| Synchrony Premier Mastercard |
Synchrony Bank |
Mastercard |
$0 |
Prime |
Good-Excellent (700+) |
TransUnion primarily |
Yes |
2% cash back on every purchase; bank-issued Mastercard |
Flat-rate cash back |
| U.S. Bank Smartly Visa Signature |
U.S. Bank |
Visa |
$0 |
Prime |
Good-Excellent (700+) |
Experian/TransUnion (varies) |
No formal tool |
Rewards boosted by bank balances |
Relationship rewards |
| Wyndham Rewards Earner Premier |
Barclays |
Mastercard |
$395 |
Premium Prime |
Good-Excellent (700+) |
Equifax primarily (Barclays typical) |
Yes |
New premium tier; Insider membership; no points expiration; higher-end travel credits |
Premium hotel rewards |
| Amazon Prime Visa |
Chase |
Visa |
$0 (Prime membership required) |
Prime |
Good-Excellent (670+) |
Experian (varies by region) |
No |
5% back at Amazon/Whole Foods for Prime members |
Amazon shoppers |
| Capital One Quicksilver Cash Rewards |
Capital One |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Reports/pulls all 3 bureaus |
Yes |
Flat 1.5% cash back, no foreign transaction fee |
Flat cash back |
| Capital One SavorOne Cash Rewards |
Capital One |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Reports/pulls all 3 bureaus |
Yes |
3% dining/entertainment/grocery/streaming cash back |
Dining cash back |
| Capital One Venture |
Capital One |
Visa |
$95 |
Prime |
Good-Excellent (690+) |
Reports/pulls all 3 bureaus |
Yes |
Soft pull pre-qualification available |
Mid-tier travel |
| Chase Sapphire Preferred |
Chase |
Visa |
$95 |
Prime |
Good-Excellent (690+) |
Experian (varies by region) |
No |
Subject to Chase 5/24 rule |
Travel/dining rewards |
| Citi Custom Cash Card |
Citi |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
5% cash back on top eligible spend category automatically |
Automatic category cash back |
| Citi Double Cash Card |
Citi |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
2% cash back: 1% on purchase, 1% on payment |
Flat cash back |
| Congressional FCU Visa Signature Cash Rewards |
Congressional Federal Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
1% cash back and no annual fee; membership required |
Member rewards |
| Consumers Credit Union Rewards Checking Visa |
Consumers Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Cash back boosted by linked high-yield checking account; membership open nationwide |
Nationwide credit union rewards |
| Consumers Credit Union Rewards Visa |
Consumers Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Cash back rewards with membership-based eligibility; nationwide join path |
Nationwide credit union rewards |
| FNBO Evergreen Credit Card |
First National Bank of Omaha |
Visa/Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Experian primarily (FNBO typical) |
Yes |
Flat 2% cash back; $200 bonus after $1,000 spend |
Flat-rate cash back |
| FNBO Getaway Credit Card |
First National Bank of Omaha |
Visa/Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Experian primarily (FNBO typical) |
Yes |
3x travel/dining/gas; 0% intro APR 12 billing cycles |
Travel/dining rewards |
| NASA Federal Credit Union GO Rewards Visa |
NASA Federal Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian (per crowdsourced reports) |
No formal soft-pull tool commonly reported |
Points on gas/grocery/dining; ACC membership path |
ACC-accessible rewards |
| NASA Federal Credit Union Platinum Advantage Visa |
NASA Federal Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian (per crowdsourced reports) |
No formal soft-pull tool commonly reported |
Membership open via American Consumer Council; low ongoing APR |
ACC-accessible rewards |
| PenFed Platinum Rewards Visa Signature |
PenFed Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
5x gas, 3x groceries/dining/streaming |
Everyday category rewards |
| PenFed Power Cash Rewards Visa Signature |
PenFed Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
1.5%-2% flat cash back depending on membership tier |
Flat-rate cash back |
| PNC Cash Unlimited Visa Signature |
PNC Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Flat 2% cash back; boosted with PNC TotalRewards tiers |
Flat-rate cash back |
| Skyla Visa Signature Rewards |
Skyla Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
ACC-accessible in some membership paths; rewards card |
ACC-accessible rewards |
| TD Double Up Credit Card |
TD Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Flat 2% cash back; $200 bonus after $1,500 spend |
Flat-rate cash back |
| U.S. Bank Shield Visa |
U.S. Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
Long intro APR product; debt management focus |
Balance transfer/APR |
| U.S. Bank Shopper Cash Rewards Visa Signature |
U.S. Bank |
Visa |
$95 ($0 intro year often offered) |
Prime |
Good-Excellent (670+) |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
Up to 6% cash back at selected retailers |
Retail cash back |
| Virginia Credit Union Rewards Visa Signature |
Virginia Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Membership open via American Consumer Council; strong rewards structure |
ACC-accessible rewards |
| Wells Fargo Active Cash Card |
Wells Fargo |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Flat 2% cash back on purchases |
Flat cash back |
| Wells Fargo Autograph Journey |
Wells Fargo |
Visa |
$95 |
Prime |
Good-Excellent (690+) |
Equifax primarily |
No formal tool |
Travel-focused rewards |
Mid-tier travel |
| Y-12 Visa Signature Rewards |
Y-12 Federal Credit Union |
Visa Signature |
$0 |
Prime |
Good-Excellent (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Rewards card with intro APR and bonus; membership required |
Member rewards |
| Alliant Visa Platinum |
Alliant Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Low-rate card, no rewards; membership open nationwide |
Nationwide low-APR |
| America First Platinum Visa |
America First Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Low-rate no-fee card; membership required |
Member low-APR |
| Andrews Federal Credit Union Platinum Rewards Visa |
Andrews Federal Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Experian (per crowdsourced reports) |
No formal soft-pull tool commonly reported |
Membership open via American Consumer Council; rewards on everyday spend |
ACC-accessible rewards |
| Barclays Wyndham Rewards Earner Card |
Barclays |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Experian primarily |
No formal soft-pull tool commonly reported |
Hotel-focused everyday rewards card with no annual fee |
Hotel rewards |
| Citi Costco Anywhere Visa |
Citi |
Visa |
$0 (Costco membership req.) |
Prime |
Good-Excellent (680+) |
Equifax primarily |
No formal tool |
Requires active Costco membership |
Warehouse club shopping |
| Congressional FCU Visa Platinum Rate Saver |
Congressional Federal Credit Union |
Visa Platinum |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Low rate balance-transfer card; membership required |
Member low-APR |
| Consumers Credit Union Platinum Visa |
Consumers Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Low APR / no-rewards card |
Nationwide low-APR |
| Credit Human Simply Cash Visa |
Credit Human Federal Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Flat cash back; TX-based but membership can be established online |
Regional credit union cash back |
| Credit Union 1 Visa Rewards |
Credit Union 1 |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Rewards and low fees; membership required |
Member rewards |
| Fifth Third 1.67% Cash/Back Card |
Fifth Third Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Unlimited 1.67% cash back on purchases |
Flat-rate cash back |
| Fifth Third 1% Cash/Back Card |
Fifth Third Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
0% intro APR 15 months plus 1% unlimited cash back |
Balance transfer/APR |
| FNBO GreenSelect Credit Card |
First National Bank of Omaha |
Visa/Mastercard |
$0 |
Mainstream |
Good (670+) |
Experian primarily (FNBO typical) |
Yes |
0% intro APR 18 billing cycles on purchases/balance transfers |
Balance transfer/APR |
| Huntington Cashback Credit Card |
Huntington Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
1.5% unlimited cash back on every purchase |
Flat-rate cash back |
| Huntington Lower Rate Credit Card |
Huntington Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Low rate card; no rewards focus |
Low-APR |
| Huntington Voice Rewards Credit Card |
Huntington Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Choose category for 3x rewards |
Custom category rewards |
| Mountain America Credit Union Platinum Cash Rewards Visa |
Mountain America Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Flat cash back; membership open nationwide via association |
Nationwide credit union cash back |
| Navy Federal cashRewards Visa Signature |
Navy Federal Credit Union |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Flat cash back; membership required |
Military-affiliated cash back |
| Navy Federal More Rewards Amex |
Navy Federal Credit Union |
American Express |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Membership required (military/family); bonus categories rotate |
Military-affiliated rewards |
| PNC points Visa |
PNC Bank |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
4 points per $1; 0% intro APR 12 billing cycles |
Flat-rate points |
| Pottery Barn Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Good (670+) |
Equifax primarily (Comenity typical) |
Yes |
Home goods retail store card (Williams-Sonoma family) |
Home goods retail |
| Signature FCU Visa Platinum |
Signature Federal Credit Union |
Visa Platinum |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Lower-rate card; membership required |
Member low-APR |
| State Department Federal Credit Union Platinum Rewards Visa |
State Department Federal Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Membership open via American Consumer Council; low fees |
ACC-accessible rewards |
| TD Cash Credit Card |
TD Bank |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
3x dining, 2x groceries, 1x everything else |
Everyday category rewards |
| TD Clear Credit Card |
TD Bank |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
No-fee simple structure; low ongoing APR focus |
Low-APR/simple |
| TD FlexPay Credit Card |
TD Bank |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Set fixed payment plans on large purchases |
Flexible payment financing |
| Truliant FCU Platinum Cash Rewards Visa |
Truliant Federal Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Membership accessible in several states plus employer/association-based sign-up |
Regional credit union cash back |
| United FCU U Rewards Visa |
United Federal Credit Union |
Visa |
$0 |
Mainstream |
Good (670+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Points-based rewards card; membership accessible in multiple states plus association options |
Multi-state credit union rewards |
| USAA Rewards American Express |
USAA |
American Express |
$0 |
Prime |
Good-Excellent (670+) |
Experian primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Membership limited to military community |
Military-affiliated rewards |
| USAA Rewards Visa Signature |
USAA |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Membership limited to military community |
Military-affiliated rewards |
| Williams Sonoma Visa |
Comenity Bank (Bread Financial) |
Store card/Visa |
$0 |
Retail / Store Card |
Good (670+) |
Equifax primarily (Comenity typical) |
Yes |
Home goods co-brand; store-only and open-loop versions |
Home goods rewards |
| Amazon Prime Store Card |
Synchrony Bank |
Store card |
$0 (Prime membership req.) |
Retail / Store Card |
Good-Excellent (670+) |
TransUnion primarily |
Yes |
Amazon-only store card; special financing offers |
Amazon shopping |
| American Express Blue Cash Everyday |
American Express |
Amex |
$0 |
Prime |
Good-Excellent (670+) |
Experian primarily |
Yes |
Everyday cash back categories |
No-fee cash back |
| American Express Blue Cash Preferred |
American Express |
Amex |
$95 |
Prime |
Good-Excellent (670+) |
Experian primarily |
Yes |
High grocery cash back rate |
Grocery rewards |
| American Express Green Card |
American Express |
Amex |
$150 |
Prime |
Good-Excellent (670+) |
Experian primarily |
Yes |
Travel/transit focus |
Mid-tier travel |
| Bank of America Customized Cash Rewards |
Bank of America |
Visa/Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
No formal tool |
Choose your 3% bonus category |
Flexible cash back |
| Bank of America Travel Rewards |
Bank of America |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
No formal tool |
No foreign transaction fees |
No-fee travel |
| Bank of America Unlimited Cash Rewards |
Bank of America |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
No formal tool |
Flat 1.5% cash back |
Simple cash back |
| Barclays AAdvantage Aviator Red |
Barclays |
Mastercard |
$99 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
American Airlines co-brand |
Airline co-brand |
| Barclays JetBlue Plus |
Barclays |
Mastercard |
$99 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
JetBlue co-brand |
Airline co-brand |
| Bilt Mastercard |
Wells Fargo (issuer)/Bilt |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Earns points on rent with no transaction fee |
Rent rewards |
| Capital One Quicksilver |
Capital One |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Reports/pulls all 3 bureaus |
Yes |
Flat 1.5% cash back |
Simple cash back |
| Capital One Savor Rewards |
Capital One |
Mastercard |
$0 (Savor) / $95 (SavorOne varies) |
Prime |
Good-Excellent (670+) |
Reports/pulls all 3 bureaus |
Yes |
Dining/entertainment focus |
Dining rewards |
| Chase Amazon Prime Visa |
Chase |
Visa |
$0 (Prime membership req.) |
Prime |
Good-Excellent (670+) |
Experian (varies by region) |
No |
Subject to Chase 5/24 rule |
Amazon shopping |
| Chase Freedom Flex |
Chase |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Experian (varies by region) |
No |
Subject to Chase 5/24 rule; rotating 5% categories |
Rotating cash back |
| Chase Freedom Unlimited |
Chase |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian (varies by region) |
No |
Subject to Chase 5/24 rule |
Flat-rate cash back |
| Chewy Visa Credit Card |
Comenity Bank (Bread Financial) |
Visa |
$0 |
Mainstream |
Good (670+) |
Equifax primarily (Comenity typical) |
Yes |
Pet supplies retail co-brand |
Pet supplies rewards |
| Citi Custom Cash |
Citi |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Automatic 5% top spend category |
Flexible cash back |
| Citi Double Cash |
Citi |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
2% total cash back (1% buy, 1% pay) |
Flat-rate cash back |
| Discover it Cash Back |
Discover |
Discover |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion/Equifax (varies) |
Yes |
Cashback Match doubles year-one rewards |
Rotating cash back |
| Discover it Chrome |
Discover |
Discover |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion/Equifax (varies) |
Yes |
Gas/restaurant rewards |
Everyday spend |
| PayPal Cashback Mastercard |
Synchrony |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Flat 3% on PayPal purchases |
PayPal shopping |
| PayPal Cashback Mastercard |
Synchrony Bank |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
Cash back on PayPal purchases; broad-use card |
Online cash back |
| PNC Cash Rewards Visa |
PNC Bank |
Visa |
$0 |
Mainstream |
Good (620-719) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
4% gas, 3% dining, 2% groceries with annual caps |
Everyday category cash back |
| Robinhood Gold Card |
Robinhood |
Visa |
$0 (Gold membership req.) |
Prime |
Good-Excellent (670+) |
Not widely disclosed |
No formal tool |
3% cash back with Robinhood Gold subscription |
Investing app integration |
| U.S. Bank Altitude Go |
U.S. Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Experian/TransUnion (varies) |
No formal tool |
Dining-focused rewards |
Dining rewards |
| U.S. Bank Cash+ |
U.S. Bank |
Visa/Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Experian/TransUnion (varies) |
No formal tool |
Choose 2 bonus 5% categories |
Flexible cash back |
| USAA Rate Advantage Visa Platinum |
USAA |
Visa |
$0 |
Mainstream |
Good (670+) |
Experian primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Low ongoing APR focus; no rewards |
Military low-APR |
| Venmo Credit Card |
Synchrony Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
Cash back rate adjusts to top spend category automatically |
Venmo app integration |
| Verizon Visa Card |
Synchrony Bank |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
TransUnion primarily |
Yes |
Telecom rewards card; perks tied to Verizon billing |
Telecom rewards |
| Wells Fargo Active Cash |
Wells Fargo |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Flat 2% cash back |
Simple cash back |
| Wells Fargo Autograph |
Wells Fargo |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Broad bonus categories, no fee |
No-fee rewards |
| Wells Fargo Reflect |
Wells Fargo |
Visa |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily |
No formal tool |
Long 0% intro APR period |
Balance transfer/APR |
| Wyndham Rewards Earner |
Barclays |
Mastercard |
$0 |
Prime |
Good-Excellent (670+) |
Equifax primarily (Barclays typical) |
Yes |
Dedications to Wyndham; no annual fee; refreshed in 2026 |
Hotel co-brand rewards |
| Wyndham Rewards Earner Plus |
Barclays |
Mastercard |
$95 |
Prime |
Good-Excellent (670+) |
Equifax primarily (Barclays typical) |
Yes |
Soft-pull pre-qualification with no credit score impact; new cardholders often need 6 months payment history before approval finalizes; hotel co-brand |
Hotel co-brand rewards |
| Capital One VentureOne |
Capital One |
Visa |
$0 |
Mainstream |
Good (670+) |
Reports/pulls all 3 bureaus |
Yes |
No annual fee travel card |
Entry-level travel |
| eBay Mastercard |
Synchrony Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
TransUnion primarily |
Yes |
Cash back and eBay perks; card availability has varied over time |
Online shopping |
| Navy Federal Platinum Card |
Navy Federal Credit Union |
Visa/Mastercard |
$0 |
Premium Prime |
Fair-Good (640+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Low APR focus; no rewards; membership required |
Low-APR/balance transfer |
| PenFed Gold Visa |
PenFed Credit Union |
Visa |
$0 |
Entry-Level / Near-Prime |
Fair-Good (640+) |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
No rewards; long 0% intro APR on balance transfers |
Balance transfer/APR |
| PNC Core Visa |
PNC Bank |
Visa |
$0 |
Entry-Level / Near-Prime |
Fair-Good (640+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
No rewards; 0% intro APR 15 billing cycles |
Balance transfer/APR |
| Sam's Club Mastercard |
Synchrony Bank |
Mastercard |
$0 (membership req.) |
Mainstream |
Good (670+) |
TransUnion primarily |
Yes |
5% cash back on gas, 3% dining/travel; requires active Sam's Club membership |
Warehouse club rewards |
| Synchrony Plus World Mastercard |
Synchrony Bank |
Mastercard |
$0 |
Mainstream |
Good (670+) |
TransUnion primarily |
Yes |
1% cash back on every purchase |
Simple cash back |
| Amazon Store Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Store-only Amazon financing card |
Amazon financing |
| Banana Republic Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Gap family brands; rewards focused on brand purchases |
Apparel retail |
| Belk Rewards Card |
Synchrony Bank |
Store card/Mastercard |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
No — typically hard pull at application |
Store card and Mastercard versions available |
Department store rewards |
| Dick's Sporting Goods ScoreRewards Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Sports retailer rewards |
Sporting goods |
| Eddie Bauer Rewards Visa |
Comenity Bank (Bread Financial) |
Store card/Visa |
$0 |
Retail / Store Card |
Fair-Good (630+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel co-brand; rewards limited to Eddie Bauer certificates |
Apparel retail |
| Gap Good Rewards Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Gap family brands; store card version |
Apparel retail |
| Guitar Center Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
Promotional financing on music gear purchases |
Music/instrument financing |
| Lenovo Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Electronics financing and promotional terms |
Electronics financing |
| Lowe's Advantage Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
5% everyday discount at Lowe's; special financing offers |
Home improvement financing |
| Old Navy Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Gap family brands; rewards focused on brand purchases |
Apparel retail |
| Sephora Visa Credit Card |
Comenity Bank (Bread Financial) |
Store card/Visa |
$0 |
Retail / Store Card |
Fair-Good (630+) |
Equifax primarily (Comenity typical) |
Yes |
Beauty retail co-brand; store-only and open-loop versions available |
Beauty retail rewards |
| TJX Rewards Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
No formal soft-pull tool commonly reported |
For TJ Maxx/Marshalls/HomeGoods; store-only card version available |
Retail store rewards |
| Ulta Beauty Rewards Mastercard (Ultamate Rewards) |
Comenity Bank (Bread Financial) |
Mastercard/Store card |
$0 |
Retail / Store Card |
Fair-Good (630+) |
Equifax primarily (Comenity typical) |
Yes |
Ulta Beauty co-brand; store-only and open-loop versions available |
Beauty retail rewards |
| Walmart Rewards Card |
Synchrony Bank |
Mastercard/Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Store card and Walmart Mastercard variants have existed; product offerings may vary |
Retail/grocery |
| Wayfair Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (640+) |
TransUnion primarily |
Yes |
Home goods financing |
Home goods |
| Zales Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (630+) |
Equifax primarily (Comenity typical) |
Yes |
Jewelry retail financing |
Jewelry financing |
| Ann Taylor Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel retail store card |
Apparel retail |
| Apple Card |
Goldman Sachs |
Mastercard |
$0 |
Entry-Level / Near-Prime |
Fair-Good (620+) |
Experian/TransUnion/Equifax (varies) |
No formal tool |
Daily Cash back; integrated with Apple Wallet |
iPhone integration |
| Ashley Advantage Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
TransUnion primarily |
Yes |
Furniture financing and promotional offers |
Furniture financing |
| Ashley HomeStore Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Furniture retail financing |
Furniture financing |
| Bed Bath & Beyond / Overstock Rewards Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Home goods retail store card |
Home goods retail |
| Big Lots Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Discount retail store card |
Discount retail |
| Express Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel retail store card |
Apparel retail |
| IKEA Projekt Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Furniture retail store card |
Furniture retail |
| J.Crew Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel retail store card |
Apparel retail |
| JCPenney Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
TransUnion primarily |
Yes |
Department-store financing and rewards |
Department store rewards |
| Macy's Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
TransUnion primarily |
Yes |
Department-store card with tiers and offers |
Department store rewards |
| United FCU U Boost Visa |
United Federal Credit Union |
Visa |
$0 |
Entry-Level / Near-Prime |
Fair-Good (620+) |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Designed for building/rebuilding credit with graduated limits |
Credit union credit-building |
| Victoria's Secret Angel Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel/lingerie retail store card |
Apparel retail |
| Wayfair Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (620+) |
Equifax primarily (Comenity typical) |
Yes |
Home goods retail store card |
Home goods retail |
| P.C. Richard & Son Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (600+) |
TransUnion primarily |
Yes |
Electronics/appliance store card; soft-pull approvals often reported |
Electronics financing |
| PC Richard & Son Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (600+) |
TransUnion primarily |
Yes |
Soft-pull pre-approval frequently reported by cardholders; used for electronics/appliance financing |
Electronics financing |
| Torrid Credit Card |
Comenity Bank (Bread Financial) |
Store card |
$0 |
Retail / Store Card |
Fair-Good (600+) |
Equifax primarily (Comenity typical) |
Yes |
Apparel retail store card |
Apparel retail |
| CareCredit (Synchrony) |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (580-670) |
TransUnion primarily |
Yes |
Healthcare/dental/vet financing; promotional no-interest periods |
Medical/health financing |
| Synchrony HOME Credit Card |
Synchrony Bank |
Store card |
$0 |
Retail / Store Card |
Fair-Good (580-670) |
TransUnion primarily |
Yes |
Soft-pull pre-qualification with no credit bureau score impact; for home improvement/furniture retailers |
Home/furniture financing |
| Synchrony Preferred Mastercard |
Synchrony Bank |
Mastercard |
$0 |
Entry-Level / Near-Prime |
Fair-Good (580-670) |
TransUnion primarily |
Yes |
Marketed as a first-time/building-credit card |
Credit-building cash back |
| Upgrade Life Rewards Card |
Upgrade |
Visa |
$0 |
Subprime / High Cost Rebuild |
Fair-Good (580-670) |
Experian/TransUnion (varies) |
Yes |
Checks rates with soft pull; hybrid card/personal line structure |
Credit-building / installment-style |
| Upgrade Triple Cash Rewards Visa |
Upgrade |
Visa |
$0 |
Subprime / High Cost Rebuild |
Fair-Good (580-670) |
Experian/TransUnion (varies) |
Yes |
Soft-pull prequalification; pays rewards on purchases paid over time |
Cash back with rebuilding access |
| Ollie's Credit Card |
TAB Bank (via Sunbit) |
Visa |
$0 |
Entry-Level / Near-Prime |
Fair-Good (approvals reported down to subprime ranges) |
Not widely disclosed (Sunbit uses alternative underwriting) |
Yes |
QR-code in-store instant approval; digital application via Sunbit; no late/penalty fees; $10 statement credit on first use |
Retail co-brand (Ollie's Army rewards) |
| Avant Mastercard |
WebBank/Avant |
Mastercard |
$0-$59 |
Subprime / High Cost Rebuild |
Fair (580-670) |
TransUnion/Experian (varies) |
Yes |
Pre-qualification available with soft inquiry; starting limits commonly $300-$3,000 |
Subprime rebuild |
| Capital One Platinum |
Capital One |
Mastercard |
$0 |
Entry-Level / Near-Prime |
Fair (580-670) |
Reports/pulls all 3 bureaus |
Yes |
No rewards; credit-building focus |
Credit building |
| Capital One QuicksilverOne |
Capital One |
Mastercard |
$39 |
Entry-Level / Near-Prime |
Fair (580-670) |
Reports/pulls all 3 bureaus |
Yes |
Designed for average credit |
Credit-building cash back |
| Cerulean Mastercard |
Bank of Missouri/Celtic ecosystem |
Mastercard |
$0-$99 (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Prequalification often offered across Continental Finance-issued products |
Subprime rebuild |
| Credit One Bank Platinum Visa |
Credit One Bank |
Visa |
$75-$99 (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily |
Yes |
High fees relative to limits; easy approval odds |
Subprime credit-building |
| Destiny Mastercard |
First Electronic Bank |
Mastercard |
$75-$175 first year (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
No formal soft-pull tool commonly reported |
High-fee unsecured rebuild card |
Subprime rebuild |
| FIT Mastercard |
The Bank of Missouri |
Mastercard |
$99-$125 annual fee (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
No formal soft-pull tool commonly reported |
High-fee unsecured card for damaged credit |
Subprime rebuild |
| Fortiva Mastercard |
The Bank of Missouri |
Mastercard |
$49-$175 (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Soft-pull prequalification commonly reported; fees vary significantly |
Subprime rebuild |
| Indigo Mastercard |
Celtic Bank |
Mastercard |
$0-$175 first year (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Pre-qualification available; marketed to less-than-perfect credit |
Subprime rebuild |
| Matrix Mastercard |
The Bank of Missouri |
Mastercard |
$75-$125 annual fee (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Subprime unsecured card with prequalification path |
Subprime rebuild |
| Merrick Bank Double Your Line Mastercard |
Merrick Bank |
Mastercard |
$0-$72 (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian/TransUnion (varies) |
Yes |
Automatic line review and possible doubling after 7 months of on-time payments |
Subprime rebuild |
| Milestone Gold Mastercard |
The Bank of Missouri |
Mastercard |
$35-$175 first year (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
High-fee unsecured rebuild card; pre-qual tool often available |
Subprime rebuild |
| Mission Lane Visa |
Mission Lane |
Visa |
Varies ($0-$59) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Not widely disclosed |
Yes |
Fee amount shown during soft pull pre-qual |
Credit-building |
| Reflex Platinum Mastercard |
Celtic Bank |
Mastercard |
$75-$125 annual fee (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Mastercard markets pre-qualification with no impact to credit score |
Subprime rebuild |
| Revvi Card |
MRV Banks |
Visa |
$75 first year + fees (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Not widely disclosed |
Yes |
Subprime unsecured card with prequalification commonly marketed |
Subprime rebuild |
| Surge Mastercard |
Celtic Bank |
Mastercard |
$75-$125 annual fee (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Unsecured rebuild card with soft-pull prequalification commonly offered |
Subprime rebuild |
| Total Visa |
The Bank of Missouri |
Visa |
$75 first year + fees (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
No formal soft-pull tool commonly reported |
Very high-fee unsecured starter/rebuild card |
Subprime rebuild |
| Verve Mastercard |
The Bank of Missouri |
Mastercard |
$75-$125 annual fee (varies) |
Subprime / High Cost Rebuild |
Fair (580-670) |
Experian primarily (varies) |
Yes |
Pre-qualification commonly available; unsecured rebuild product |
Subprime rebuild |
| Petal 2 Visa |
WebBank/Petal |
Visa |
$0 |
Mainstream |
Limited/No credit history |
Not widely disclosed |
Yes |
Initial check is soft pull, optional bank-linking boosts odds |
No-credit-history building |
| Capital One Quicksilver Secured |
Capital One |
Mastercard |
$0 |
Secured / Credit-Building |
No credit history required |
Reports/pulls all 3 bureaus |
Yes |
Requires refundable security deposit |
Secured/starter |
| Credit Union 1 Secured Visa |
Credit Union 1 |
Visa |
$0 |
Mainstream |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Secured starter card; membership required |
Member credit-building |
| Discover it Secured |
Discover |
Discover |
$0 |
Secured / Credit-Building |
No credit history required |
TransUnion/Equifax (varies) |
Yes |
Available to any credit score with deposit |
Secured/starter |
| Discover it Secured Credit Card |
Discover |
Discover |
$0 |
Secured / Credit-Building |
No credit history required |
Experian primarily |
Yes |
Secured card with cash back rewards, rare among secured cards |
Secured with rewards |
| Fifth Third Secured Card |
Fifth Third Bank |
Mastercard |
$0 |
Secured / Credit-Building |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Secured card for building or rebuilding credit |
Credit-building |
| First Progress Platinum Secured |
Synovus Bank |
Mastercard |
$29-$49 |
Secured / Credit-Building |
No credit history required |
Experian/TransUnion/Equifax (varies) |
No formal tool |
Fully secured; no credit check for approval |
Secured/starter |
| FNBO Rewards Secured Credit Card |
First National Bank of Omaha |
Visa/Mastercard |
$0 |
Secured / Credit-Building |
No credit history required |
Experian primarily (FNBO typical) |
Yes |
Deposit-funded ($300-$5,000); earns 1x point per dollar |
Credit-building rewards |
| Huntington Secured Credit Card |
Huntington Bank |
Mastercard |
$0 |
Secured / Credit-Building |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Secured card for establishing credit |
Credit-building |
| Merrick Bank Secured Credit Card |
Merrick Bank |
Visa |
$36 |
Secured / Credit-Building |
No credit history required |
Experian/TransUnion (varies) |
No formal soft-pull tool commonly reported |
Secured card for rebuilding; refundable deposit required |
Secured rebuild |
| Navy Federal nRewards Secured |
Navy Federal Credit Union |
Visa/Mastercard |
$0 |
Secured / Credit-Building |
No credit history required |
Equifax primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Secured card; membership required; graduates to unsecured |
Military credit-building |
| OpenSky Secured Visa |
Capital Bank |
Visa |
$35 |
Secured / Credit-Building |
No credit history required |
No traditional bureau pull required |
No |
No credit check to apply; secured card; reports to all three bureaus |
Secured rebuild |
| PNC Secured Visa |
PNC Bank |
Visa |
$0 |
Secured / Credit-Building |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Requires minimum $500 credit line via deposit |
Credit-building |
| TD Cash Secured Credit Card |
TD Bank |
Visa |
$0 |
Secured / Credit-Building |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Deposit-secured; designed for credit building |
Credit-building |
| USAA Secured Visa Platinum |
USAA |
Visa |
$0 |
Secured / Credit-Building |
No credit history required |
Experian primarily (credit union typical) |
No formal soft-pull tool commonly reported |
Deposit-funded limit; deposit held in interest-bearing CD |
Military credit-building |
| Y-12 Secured Visa |
Y-12 Federal Credit Union |
Visa |
$0 |
Mainstream |
No credit history required |
Not officially disclosed (varies) |
No formal soft-pull tool commonly reported |
Secured card for rebuilding; membership required |
Member credit-building |
