Best Credit Cards of May 2022
From huge sign-up bonuses to generous rewards, WealthyMillionaire best credit cards outshine the rest. Compare these deals from our partners to find one that fits your needs.
Upgrade Triple Cash Rewards Visa®
Rewards
- Annual Fee
N/A - Regular APR
8.99% -29.99% - Recommended Credit
Score
(620+) Excellent, Good, Fair, Average
Product Specs
- Regular APR 8.99% -29.99%
- Annual Fee $0
- Credit Recommended (620+) Excellent, Good, Fair, Average
- Return Payment Fee $0
- Foreign Trans Fee $0
- Balance Transfer Fee $0
- Late Payment Fee $0
- Penalty APR N/A
- Cash Advance Fee N/A
- Cash Advance APR N/A
- Intro (Balance Transfers) N/A
- Intro (Purchases) N/A
- Credit Line See website for Details*
Product Details
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Current
- Annual Fee
N/A - Regular APR
N/A - Recommended Credit
Score
(620+) Excellent, Good, Fair, Average
Product Specs
- Products Offered Mobile Banking & Visa Debit Card
- Monthly Fee Basic Account Free, Premium Account $4.99/mo
- Brand Name Visa®
Product Details
- Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
- Current offers accounts for everyone, including teens.
- Members receive instant spending notifications every time you swipe your card for added security.
- Members can instantly send money for free to friends and family with Current Pay.
- Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
Surge Secured Mastercard®
Master Card
- Annual Fee
N/A - Regular APR
19.99% Variable - Recommended Credit
Score
All Credit Types Welcome to Apply
Product Specs
- Regular APR 19.99% Variable
- Annual Fee $69
- Credit Line $300
- Credit Recommended All Credit Types Welcome to Apply
Product Details
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash Back rewards on every purchase
- Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard is accepted
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
- Checking Account Required
Deserve EDU
Cash Back
- Annual Fee
N/A - Regular APR
19.49% Variable - Recommended Credit
Score
Good/Limited
Product Specs
- Annual Fee $0
- Credit Recommended Good/Limited
- Regular APR 19.49% Variable
- Foreign Trans Fee $0
- Late Payment Fee Up to $25
- Return Payment Fee Up to $37
Product Details
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Rewards, Cash Back
- Annual Fee
N/A - Regular APR
9.99% Fixed - Recommended Credit
Score
Poor/Fair/Limited/Damaged
Product Specs
- Regular APR 9.99% Fixed
- Annual Fee $48
- Credit Line $200 - $1,000
- Credit Recommended Poor/Fair/Limited/Damaged
- Brand Name Visa®
- Security Deposit $200 - $1,000
Product Details
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Surge Mastercard®
Master Card
- Annual Fee
N/A - Regular APR
24.99% – 29.99% (Variable) - Recommended Credit
Score
See website for Details*
Product Specs
- Regular APR 24.99% – 29.99% (Variable)
- Late Payment Fee Up to $41.00
- Return Payment Fee Up to $41.00
- Intro Rate See website for Details*
- Intro Period See website for Details*
- Annual Fee See website for Details*
- Balance Transfer See website for Details*
- Credit Recommended See website for Details*
- Intro (Purchases) See website for Details*
- Intro (Balance Transfers) See website for Details*
Product Details
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
Reflex Mastercard®
Fair Credit
- Annual Fee
N/A - Regular APR
24.99% - 29.99% (Variable) - Recommended Credit
Score
Fair/Poor/Bad/Limited
Product Specs
- Regular APR 24.99% - 29.99% (Variable)
- Late Payment Fee Up to $41.00
- Return Payment Fee Up to $41.00
- Annual Fee See Terms
- Credit Recommended Fair/Poor/Bad/Limited
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
Product Details
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
FIT Mastercard®
Fair Credit
- Annual Fee
N/A - Regular APR
29.99% - Recommended Credit
Score
Fair/Poor/Bad
Product Specs
- Regular APR 29.99%
- Annual Fee See Terms
- Return Payment Fee Up to $41.00
- Late Payment Fee Up to $41.00
- Credit Recommended Fair/Poor/Bad
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
Product Details
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
Applied Bank® Unsecured Classic Visa® Card
Rewards, Cash Back
- Annual Fee
N/A - Regular APR
29.99% - Recommended Credit
Score
Poor/Damaged Credit
Product Specs
- Regular APR 29.99%
- Late Payment Fee Up to $38
- Return Payment Fee Up to $38
- Card Brand Visa®
- Credit Recommended Poor/Damaged Credit
- Annual Fee See website for Details*
Product Details
- Get Pre-Qualified in Less Than a Minute
- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
- A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
- No Penalty Rate. Your Rate Won't Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible Usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
First Access Visa® Card
Fair Credit
- Annual Fee
N/A - Regular APR
See Terms - Recommended Credit
Score
Fair/Bad
Product Specs
- Intro Rate N/A
- Intro Period N/A
- Regular APR See Terms
- Annual Fee See Terms
- Balance Transfer N/A
- Credit Recommended Fair/Bad
Product Details
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Milestone® Mastercard® - Less Than Perfect Credit Considered
Fair Credit
- Annual Fee
$99* - Regular APR
24.9% - Recommended Credit
Score
Poor/Bad
Product Specs
- Regular APR 24.9%
- Annual Fee $35 - $99*
- Credit Recommended Poor/Bad
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
Indigo® Mastercard® with Fast Pre-qualification
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Our pre-qualification process does not affect your credit score
- Keeping your account in good standing may help establish and/or improve your credit
- 24/7 access to your account, even on mobile!
- Protection from fraud, if your card happens to be lost or stolen
- Account history is reported to the three major credit bureaus in the U.S.
Indigo® Unsecured Mastercard®
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Pre-qualify today without an impact on your credit score
- Keeping your account in good standing may help establish and/or improve your credit
- Access your account online or from your mobile device 24/7
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Pre-qualifying today will not affect your credit score
- Less than perfect credit histories can qualify, even with prior bankruptcy!
- Mobile friendly online access from anywhere
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
Indigo® Platinum Mastercard®
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Easy pre-qualification process with fast response
- Don't have perfect credit? No problem!
- 24/7 access to your account, even on mobile!
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
ACE Flare™ Account by MetaBank®
- Annual Fee
N/A - Regular APR
N/A - Recommended Credit
Score
See website for Details*
Product Specs
- Activation Fee See website for Details*
- Monthly Fee See website for Details*
- Direct Deposit Fee See website for Details*
- ATM Fee See website for Details*
- Credit Recommended See website for Details*
Product Details
Indigo® Platinum Mastercard® Credit Card
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Easy pre-qualification process with fast response
- Less than perfect credit is okay
- Online servicing available 24/7 at no additional cost
- Unsecured credit card, no security deposit required
- Account history is reported to the three major credit bureaus in the U.S.
The First Progress Platinum Elite Mastercard® Secured Credit Card
Fair Credit
- Annual Fee
N/A - Regular APR
20.24% (V) - Recommended Credit
Score
Poor/Limited/No Credit
Product Specs
- Regular APR 20.24% (V)
- Annual Fee $29
- Credit Line up to $2,000
- Cash Advance APR 25.24% (V)
- Credit Recommended Poor/Limited/No Credit
Product Details
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
First Progress Platinum Prestige Mastercard® Secured Credit Card
Fair Credit
- Annual Fee
N/A - Regular APR
10.24% (V) - Recommended Credit
Score
Poor/Limited/No Credit
Product Specs
- Regular APR 10.24% (V)
- Annual Fee $49
- Credit Line $2,000
- Cash Advance APR 19.24% (V)
- Credit Recommended Poor/Limited/No Credit
Product Details
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
First Progress Platinum Select Mastercard® Secured Credit Card
Fair Credit
- Annual Fee
N/A - Regular APR
14.24% (V) - Recommended Credit
Score
Poor/Limited/No Credit
Product Specs
- Regular APR 14.24% (V)
- Annual Fee $39
- Credit Line $2,000
- Cash Advance APR 20.24% (V)
- Credit Recommended Poor/Limited/No Credit
Product Details
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Merrick Bank Double Your Line® Secured Visa®
Rewards, Cash Back
- Annual Fee
N/A - Regular APR
17.70% Variable - Recommended Credit
Score
See website for Details
Product Specs
- Regular APR 17.70% Variable
- Annual Fee $36 the first year. Billed $3 per month thereafter
- Credit Line $200, which doubles to $400 if you qualify
- Cash Advance APR 22.70% Variable
- Cash Advance Fee 4% Min: $10
- Late Payment Fee Up to $40
- Return Payment Fee Up to $40
- Foreign Trans Fee 2%
- Minimum Deposit $200
- Regular Transfer APR N/A
- Penalty APR N/A
- Balance Transfer Fee N/A
- Credit Recommended See website for Details
- Intro (Purchases) N/A
- Intro (Transfers) N/A
Product Details
- Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
- Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
Indigo® Mastercard® for Less than Perfect Credit
Fair Credit
- Annual Fee
$99 - Regular APR
24.9% - Recommended Credit
Score
Bad/Poor
Product Specs
- Regular APR 24.9%
- Annual Fee $0 - $99
- Credit Recommended Bad/Poor
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
Milestone Gold Mastercard®
Fair Credit
- Annual Fee
$99* - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $35 - $99*
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- Access your account online or from your mobile device 24/7
- Account history is reported to the three major credit bureaus in the U.S.
Milestone® Mastercard® - Mobile Access to Your Account
Fair Credit
- Annual Fee
$99* - Regular APR
24.9% - Recommended Credit
Score
Fair/Good
Product Specs
- Regular APR 24.9%
- Annual Fee $35 - $99*
- Credit Recommended Fair/Good
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Instant pre-qualification is available for those who qualify
- Don't have perfect credit? No problem!
- Mobile friendly online access from anywhere
- Account history is reported to the three major credit bureaus in the U.S.
Merrick Bank Secured Visa®
Rewards, Cash Back
- Annual Fee
N/A - Regular APR
17.70% Variable - Recommended Credit
Score
See website for Details*
Product Specs
- Regular APR 17.70% Variable
- Annual Fee $36 for first year. Billed $3 per month thereafter
- Credit Line $200-$3,000, depending on deposit amount
- Cash Advance APR 22.70% Variable
- Cash Advance Fee 4% Min: $10
- Late Payment Fee Up to $40
- Return Payment Fee Up to $40
- Foreign Trans Fee 2%
- Minimum Deposit $200
- Regular Transfer APR N/A
- Penalty APR N/A
- Balance Transfer Fee N/A
- Credit Recommended See website for Details*
- Intro (Purchases) N/A
- Intro (Transfers) N/A
Product Details
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit
Fair Credit
- Annual Fee
$99* - Regular APR
24.9% - Recommended Credit
Score
Poor/Bad
Product Specs
- Regular APR 24.9%
- Annual Fee $35 - $99*
- Credit Recommended Poor/Bad
- Intro Rate N/A
- Intro Period N/A
- Balance Transfer N/A
- Intro (Purchases) N/A
- Intro (Balance Transfers) N/A
Product Details
- Easy pre-qualification process which does not affect your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Protection from fraud, if your card happens to be lost or stolen
- Account history is reported to the three major credit bureaus in the U.S.