Find Our Best Credit Card For You | Apply Online (2024)

FAQs

How do I know which credit card is best for me? ›

If you plan to use your card extensively for travel, dining and entertainment, you might want to opt for one with higher credit limits. If you use your card infrequently, choose a card with a lower credit limits.

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

You may be able to fill out a simple form found on the card issuer's website. These forms will often ask you to provide basic personal information such as name, address and last four digits of your Social Security number. Once the information is entered, you may be shown credit cards offers from the issuer.

The four major credit card networks are Mastercard, Visa, American Express and Discover.

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).

Cards that offer instant approval could be a good option if you need quick or instant access to new credit. Just remember that it's not always instantaneous. And it doesn't always result in approval. Plus, if it involves a hard inquiry, it could temporarily affect your credit scores.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

Which credit card has no credit check guaranteed approval? ›

The OpenSky^® Secured Visa^® Credit Card has a very high approval rate, with no credit check or bank account required to open.

First Progress Platinum Prestige Mastercard® Secured does not require a minimum credit score for approval and allows a credit limit of $2,000 at maximum. Applicants can choose a credit limit up to the maximum by making an equal security deposit.

There are three general categories of credit accounts that can impact your credit scores: revolving, open and installment. Although having a variety of credit types can be good for your credit health, it's not the most important factor in determining your scores.

A general rule of thumb is to keep your credit utilization ratio below 30%. And if you really want to be an overachiever, aim for 10%.