Compare the Best Cards by Credit Needed

Find the Best Credit Card by Credit Score

A credit score plays an essential role in the process to apply for a credit card. Where you fall on the scale, which ranges from 300 to 850 (depending on the credit scoring model you’re looking at), tells a credit card lender how likely you are to pay what you borrow. Think of it like a temperature gauge for your overall financial health, except that the higher your score is, the better off you are. 

The Best Credit Card for Excellent Credit

etting the best credit scores requires patience and hard work. An excellent credit score doesn’t happen overnight. Instead, it takes years of good financial habits.

BEST FEATURES

  • Patented black-PVD-coated metal card—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions
  • 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • Priority Pass™ Select

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What Is a Prime Credit Score?

It’s a term that gets tossed around, but what exactly is a “prime” credit score? Here’s all you need to know about what a prime score means.

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The Best Credit Card for Good Credit

Having a good credit score means you have a better chance of successfully applying for almost any credit card offer on the market. Lenders like to see a good credit score as it shows the applicant is less risky than other applicants, and they can rely on them to make their payments every month.

BEST FEATURES

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. 
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

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  • Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • View the full terms and conditions here

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Citi Custom Cash Mastercard

The Best Credit Card for Fair/Average Credit

People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.

BEST FEATURES

  • See if you qualify instantly without harming your credit score
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time
  • Instant decision on your application
  • No interest on purchases when you pay in full and on time each month
  • No security deposit required – get started today!

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  • Annual fee varies based on the card version offered

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The Best Credit Card for Poor/Low Credit

A bad credit score is a score that falls below what credit reporting bureaus deem to be average, or “fair.” Bad scores indicate that a person is at a higher risk of missing payments, making late payments, or defaulting on their loans. Building with a secured credit card is a great place to start.

BEST FEATURES

  • 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

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  • Checking Account Required, initial refundable deposit of $300 becomes your credit limit

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The Best Credit Card for No Credit History

No credit means you have no recent credit history. Those without a past credit history (within the last seven to ten years, will find themselves lumped into the same “no credit” category as those who are entirely new to credit. So even if you have borrowed money in the past, you may have no score.

BEST FEATURES

  • 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
  • Reports to all three major credit-reporting agencies

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Browse More Financial Resources

Our team has created numerous resources to help you better understand not only credit card offers, but also your credit health and journey.

What Is a Deep Subprime Credit Score?

According to the consumer Finance Protection Bureau (CFPB), approximately 13% of the U.S. adult population has deep-subprime credit. But what exactly is “deep subprime credit”

What Is a Prime Credit Score?

Prime credit is a term that is thrown out often in credit repair and lending circles, but what does it mean? Here's what you need to know to boost your flagging score.

How to Get a Super-Prime Credit Score

Super-prime credit is the crème de la crème in the credit world. Not many people may be familiar with the term, but having super-prime credit can get you the best credit cards, the lowest interest rates, and the most lucrative rewards.

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