Advertiser Disclosure

Top Credit Cards

Compare this month's best credit card offers from our partners. We regularly update our ratings based on the latest updates from credit card issuers, enabling you to make the smartest financial decisions using the results of our research. Our goal is to make credit card comparisons as simple and transparent as possible, while remaining vigilant and critical in the way that we assess the leading credit card offers. Below you will find some of the leading credit cards provided by our partners:

Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Black Card™
Credit Needed
Excellent
Regular APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)

Benefits & Key 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.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Excellent

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
view details

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card
Credit Needed
Bad / Poor
Regular APR
See Terms*
Annual Fee
See Terms*

Benefits & Key features

  • 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 TransUnion* (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
  • Checking Account Required

Bad/Poor

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
view details

Total VISA® Credit Card

Total VISA® Credit Card
Credit Needed
Bad / Fair
Regular APR
See Terms
Annual Fee
See Terms

Benefits & Key features

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (Subject to available credit)
  • Reports monthly to all three major credit bureaus

Bad/Fair

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
N/A
Ongoing APR
See Terms
Annual Fee
See Terms
view details

First Access Visa® Credit Card

First Access Visa® Credit Card
Credit Needed
Fair / Bad
Regular APR
See Terms
Annual Fee
See Terms

Benefits & Key features

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • 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)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Fair/Bad

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
N/A
Ongoing APR
See Terms
Annual Fee
See Terms
view details

Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Titanium Card™
Credit Needed
Excellent
Regular APR
14.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)

Benefits & Key features

  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Excellent

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)
view details

Indigo® Mastercard® for Less than Perfect Credit

Indigo® Mastercard® for Less than Perfect Credit
Credit Needed
Bad / Poor
Regular APR
24.90% fixed
Annual Fee
$0 - $99

Benefits & Key features

  • 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.

Bad/Poor

Credit Needed
0
450
500
550
600
650
700
750
800
850
Intro APR (Purchases)
N/A
Intro APR (Balance Transfer)
N/A
Ongoing APR
24.90%
fixed
Annual Fee
$0 - $99
view details