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Secured credit cards are designed to help consumers with limited or poor credit history build credit, often requiring a refundable deposit. After providing the deposit, a secured card works just like a traditional credit card and can be a great tool to set the habits needed to keep a good credit score.
Secured credit cards often have perks that teach healthy credit practices. Credit education tools, payment schedule flexibility and reporting your activity to all three credit bureaus are often featured as ways to help you boost your score. But the best options have even more to offer. You can find substantial rewards and unique upgrade opportunities with the top cards here. Not sure what the best fit is for you? We can help you weigh the pros and cons as you navigate the idea of a secured credit card.
Secured credit cards are designed to help consumers with limited or poor credit history build credit, often requiring a refundable deposit. After providing the deposit, a secured card works just like a traditional credit card and can be a great tool to set the habits needed to keep a good credit score.
Secured credit cards often have perks that teach healthy credit practices. Credit education tools, payment schedule flexibility and reporting your activity to all three credit bureaus are often featured as ways to help you boost your score. But the best options have even more to offer. You can find substantial rewards and unique upgrade opportunities with the top cards here. Not sure what the best fit is for you? We can help you weigh the pros and cons as you navigate the idea of a secured credit card.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
This card doesn't offer cash back, miles, or points
At A Glance
Annual fee
None
Balance transfer intro APR
N/A
Regular APR
N/A
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
This card doesn't offer cash back, miles, or points
At A Glance
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
29.99% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, everywhere
At A Glance
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
29.99% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Up to 10% cash back rewards on purchases at over 40,000 retailers
At A Glance
Annual fee
$35
Balance transfer intro APR
N/A
Regular APR
25.14% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
This card doesn't offer cash back, miles, or points
At A Glance
Annual fee
$48
Balance transfer intro APR
N/A
Regular APR
9.99% fixed
Recommended credit
300-670 (Bad to Fair)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
All information about the Citi Secured Mastercard, Green Dot primor Mastercard Gold Secured Credit Card, Surge Platinum Secured Mastercard, Green Dot primor Visa Classic Secured Credit Card, and Green Dot primor Visa Gold Secured Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Applied Bank Secured Visa® Gold Preferred® Credit Card
Low interest
$200
$48
Citi® Secured Mastercard®
Building credit
$200
$0
Discover it® Secured Credit Card
Upgrading
$200
$0
The Card with No Credit Check - The Secured Self Visa® Credit Card*
Establishing credit
$100
$25
First Progress Platinum Prestige Mastercard® Secured Credit Card
Bad credit
$200
$49
Best Secured Credit Cards of 2024
Best for flexible deposit: Secured Chime® Credit Builder Visa® Credit Card
Overview: If you’re eager to build credit but would rather avoid a traditional security deposit and typical credit card fees and interest, this card could be a great alternative.
Pros: There’s no pre-set limit and you can build credit through on-time payments without tying up tons of money in a security deposit or worrying about an annual fee and interest charges.
Cons: It doesn’t report on credit utilization — only payment history. Since utilization makes up 30% of your FICO score, it may take you longer to build credit with this card than with a traditional secured card. You’ll also miss out on perks like a rewards program and a clear upgrade path to an unsecured card.
Capital One Platinum Secured Credit Card: Best secured credit card for no annual fee
Overview: This card’s no annual fee makes it a great starter card. Also, the no foreign transaction fee (See rates and Fees) makes it a good card for overseas travel or making purchases on foreign sites.
Pros: The terms are fairly straightforward, and with responsible use, you could get a higher credit line in as soon as 6 months if you make your first 6 monthly payments on time.
Cons: The Capital One Platinum Secured Credit Card offers no sign-up bonus or ongoing rewards.
First Progress Platinum Elite Mastercard® Secured Credit Card: Best secured credit card for wide acceptance
Overview: Because the First Progress Platinum Elite is a Mastercard, it is widely accepted, making it a great go-to card for the traveler. (Note: You will pay a foreign transaction fee when using the card overseas.)
Pros: This card has a new expedited processing option, which is handy if you are looking to get your new card quickly. Also, the First Progress Platinum Elite Mastercard Secured Credit Card doesn’t require a minimum score or credit history.
Cons: While not as bad as others, this card’s fees can be onerous. It carries an annual fee of $29 and a variable APR of 24.74%.
Capital One Quicksilver Secured Cash Rewards Credit Card: Best for flat-rate rewards
Overview: This credit card from Capital One combines consumer-friendly terms, like no annual fee and no foreign transaction fees (See rates and Fees), with unlimited 1.5% cash back on all purchases – a truly standout rewards program, particularly for a secured credit card.
Pros: You’ll be automatically considered for a higher credit limit in as little as six months with demonstrated responsible use.
Cons: If you’re trying to rebuild your credit and have mismanaged credit cards before, the opportunity to earn rewards could ultimately prove distracting. You might be better served by a no-frills secured credit, like the Capital One Platinum Secured Credit Card.
OpenSky® Secured Visa® Credit Card: Best secured credit card for no credit check
Overview: Unlike most credit cards, the OpenSky Secured Visa doesn’t require a credit check to apply. Also, you can build your credit history quickly because the card issuer reports to all three credit bureaus.
Pros: Your initial credit limit will be equal to your deposit and can go as high as $3,000 (minimum $200), plus the card’s APR is lower than average for a secured option at 25.14% (variable).
Cons: There’s an annual fee, as well as fees for foreign transactions, inactivity and garnishment.
Applied Bank Secured Visa® Gold Preferred® Credit Card: Best secured credit card for low interest
Overview: There’s no intro 0% offer, but this low-interest card comes with a top-of-the-line fixed APR: 9.99% for cardholders, and it won’t increase even if you’re late with a payment.
Pros: There’s no minimum score or credit check required in the application process. Also, your credit card habits will be reported to major credit bureaus Experian, Equifax and TransUnion – a perk that can really help boost your credit score.
Cons: The card comes with a $48 annual fee on top of the required refundable deposit. Plus, there are no rewards to be earned here.
Citi® Secured Mastercard®: Best secured credit card for building credit
Overview: Unlike a debit card, the Citi Secured Mastercard helps build your credit history because the issuer reports to all three major credit bureaus each month. Also, you may get free access to your FICO score online.
Pros: There is no annual fee which is always a plus.
Cons: The security deposit to get started with this card can vary from $200-$2,500 based on your credit qualifications. Also, like most other secured cards, there is no rewards program with the Citi Secured Mastercard.
Discover it® Secured Credit Card: Best secured credit card for upgrading
Overview: Along with earning cash back at gas stations and restaurants, this card gives you a chance to quickly graduate to an unsecured Discover card. You could be eligible to upgrade and get your Discover it® Secured Credit Card security deposit back after just seven months of on-time payments.
Pros: With no annual fee and rewards to boot, this secured product offers another reason why it’s a good card for the long haul – Discover will automatically review your account after seven months to see if they can transition you to an unsecured card.
Cons: There’s a lot to love about this card, but the regular APR is not one of them. The Discover it® Secured Credit Card’s variable APR is one of the highest among secured cards.
From our expert: “The Discover it® Secured card is noteworthy because it offers rewards – a rarity among secured cards,” says CreditCards.com Industry Analyst Ted Rossman. “With no annual fee and 2% cash back* at restaurants and gas stations and 1% everywhere else, this card is a compelling introduction into the world of credit.”
*2% on up to $1,000 in combined spend each quarter, then 1%
The Card with No Credit Check - The Secured Self Visa® Credit Card**: Best secured product for establishing credit
Overview: Whether you’re establishing your credit or repairing it, this unique card-and-account combination will help develop healthy credit habits while building a stronger credit mix – all without a credit check or history.
Pros: Besides just earning interest on your “loan” deposit, you’re building credit on both your loan and credit card while other secured cards don’t. This strengthens your credit since 10% of a good credit score comes from a solid credit mix. Plus, you can extend your credit limit based on your account’s savings progress and stay on top of your credit score with credit monitoring and account alerts.
Cons: Since the deposit is a “loan” and isn’t out-of-pocket, you can’t qualify for your card until you make three full consecutive payments and have at least $100 in your account without outstanding fees. On top of the yearly $25 annual card fee, be careful not to carry a balance since your monthly payments and credit card both carry APRs.
First Progress Platinum Prestige Mastercard® Secured Credit Card: Best secured credit card for bad credit
Overview: This card doesn’t require a credit history or minimum credit score for approval. Your card use is reported to all three major credit bureaus to help you build credit. Cardholders are required to put down a refundable security deposit of at least $200 to serve as the card’s credit limit.
Pros: The card carries a regular variable APR of 14.74%, which is favorable for a secured credit card.
Cons: There’s a $49 annual fee, which is on the high side for a secured credit card.
A secured credit card is a financial product designed for a consumer with bad credit or a limited credit history. It requires a refundable deposit in exchange for a credit limit. Most credit cards are unsecured credit cards, which means a security deposit isn’t required, but those aren’t always an option for everyone.
Putting it simply, a secured card is a credit card that requires a cash deposit to start the account. The cash deposit gives card issuers a reason to accept lesser credit scores, and because having a credit card is the easiest and fastest way to build credit, a secured card can be worthwhile. Some even come with rewards and perks on top of the long-term credit opportunity.
How do secured cards work?
To give you a line of credit, lenders want to know that you’re likely to repay what you borrow. In many cases, a positive credit history provides the proof that credit card issuers need. That’s why it can be difficult to get approved for a credit card with a poor or limited credit history. Enter secured credit cards.
Opening a secured account is initiated with a cash deposit, which acts as collateral rather than a balance that you can pull from to pay off your purchases. Once you’ve made your deposit, most secured cards act just like unsecured cards. You can use them to make purchases in person or online, and then routinely pay off those purchases with the ability to build your credit. If you don’t get your balances paid in a timely manner, you’ll face interest charges. In the worst-case scenario where you start to default on payments, only then would your issuer start to pull from your deposit.
There is one notable feature often seen with secured cards. Because you provide the card issuer with a security deposit upfront rather than getting in on your creditworthiness, you’ll often see issuers set your credit limit equal to the security deposit you provided. Depending on your financial flexibility, you might be able to deposit more than the minimum to start with a higher credit limit and improve your credit utilization ratio. After getting started, a secured card works like any other card – you have a revolving line of credit that replenishes as you make payments.
With some secured credit cards, you may be automatically considered for a credit line increase after several months of on-time payments. Not only does this give you more purchasing power, but it may also give your credit score a boost. Finally, once your score reaches the “good” range (a FICO score of 670+), you can begin shopping around for a credit card with better rewards, rates and benefits.
Pros and cons of secured cards
Pros
Grow your credit score. If you’re in the market for a secured card, it’s likely that your credit score could be in better shape. A secured card gives you the opportunity to establish your score with regular reporting to credit bureaus, a key step in boosting your credit as long as you show financial responsibility and make regular payments.
Get into the right habits. Aside from the initial deposit, most secured cards work just like traditional credit cards. Using a secured product the right way will set you up for success when it comes time to upgrade to a better-tier card.
Generous acceptance. One benefit of secured cards is that the down payment allows most providers to accept almost anyone as a cardholder. Those who have suffered from bankruptcy or other financial woes have a tool to regain their credit with secured cards.
Cons
Money needed upfront. It might be difficult to come up with the deposit needed to start your secured card account. If the hundreds-of-dollars down payment won’t work for you, there are other cards for poor credit that will allow you to start an account without any money down – an option for those in a tight situation.
High fees and rates. As these are cards for those with bad credit, many secured options have high APRs and fees. If you apply for a secured card, be sure you’re prepared to budget your spending and pay off your bills to avoid an expensive mistake.
Lack of rewards. Though you can find them with some cash back options here, most cards for bad credit don’t feature rewards. Unfortunately, secured cards are no different.
How to get a secured credit card
If your financial institution offers secured credit cards, you may be able to submit an application in person, by telephone, or through its website. If you’d prefer a card outside of your bank or credit union, you can compare offers online, see what cards you may prequalify for and apply independently. Here’s how it works:
Choose a card: First, do a little research to determine which secured card offer best aligns with your budget and spending behaviors. Secured cards may not always give much in the way of frills but that doesn’t mean you can’t land a competitive offer. You should also check if the card can graduate to an unsecured card down the line. Not all cards will come with this option but it’s a great feature to look for.
Determine your deposit amount: Once you’ve found a secured credit card that feels right for you, you must then decide how much of a deposit you’d like to put down. In most cases, your deposit amount will be equal to your credit limit. It’s tempting to pay the minimum amount required but think honestly about how much you’ll routinely spend. Remember, using too much of your credit line can hurt your score, and a single trip to the supermarket can quickly eat into a $200 card limit.
Apply: Submit your application. The issuer will ask you to provide personal details to confirm your identity such as your Social Security number, income, U.S. mailing address, and other basic information.
Monitor application status: In most cases, the card issuer will reach a decision in a matter of seconds. Sometimes you may have to wait to receive a decision by mail. Many card issuers also allow you to check the status of the application by telephone or by logging on to their website. Once you’ve been approved, you may then pay your deposit amount and the issuer will mail the credit card to you. If the issuer has denied your application, you’ll receive a letter from the issuer explaining the reason for the decision.
What credit score do you need to be approved for a secured credit card?
Because you’re not able to spend more than the cash deposit you provide, the issuer’s risk is much lower than it would be lending to someone with an unsecured credit card. For this reason, applicants with minimal, bad credit or no credit history at all are often approved for secured credit cards. To give you a better sense of what constitutes good, fair and bad credit, FICO goes by the following range:
Very poor: 300 to 579
Fair: 580 to 669
Good: 670 to 739
Very good: 740 to 799
Exceptional: 800 to 850
Factors to consider when choosing a secured credit card
Your choice in credit cards should be based on your personal goals and finances. To start, consider that you’ll have to submit a cash deposit up front that costs around $200 or more. Think about your monthly expenses and determine what sort of credit limit makes the most sense for you while factoring in how much your budget allows for. If your card limit is on the lower end of the spectrum and your routine purchases eat up the majority of your available credit, understand that this type of high usage can hurt your credit score. In these situations, a high-limit secured card may be a better option.
Aside from spending habits, you’ll also want to consider any applicable rates and fees such as annual fees and foreign transaction fees, as well as any additional benefits. Though it’s rare, some secured cards do offer rewards, such as the Discover it® Secured Credit Card.
When it comes to selecting a secured credit card, here are a few things you should be particularly wary of:
Hidden fees: While some fees are clearly marked at the top of cards’ rates and fees disclosures, lesser-known fees with credit-builder cards can be mentioned lower in the copy. They can have vague descriptions, such as “copy fee” or “telephone payment fee,” and can pile up fast. Heads up that secured cards can have the most fees.
High interest rates: If you plan to carry a balance, you’ll want to avoid a card with high interest rates. Interest charges can quickly overtake the principal when the rates are steep. As is with any credit card, it’s best practice to avoid carrying a balance to keep away from the hurt on your wallet and credit score.
High rewards, no credit-building features: Don’t be tempted by a good rewards rate if the card doesn’t come through for you in the areas where you need it. While rewards are a nice perk, your goal with a secured credit card is building credit, so you want to pick a card with features that help you do so without charging too many fees.
Who should get a secured card
The new credit user. If you have no credit history, the selection of credit cards in your range might be slim. Luckily, most secured cards let you get started and give you the chance to establish your credit score and learn the necessary habits, like on-time payments and mindful spending.
The inexperienced cardholder. Those who have opened a line of credit in the past but haven’t successfully built credit might be well-suited for a secured card. With the right card, responsible use should lead to a better score and the secured card’s features and benefits should help along the way.
The credit re-builder. Someone who’s had to deal with debt, bankruptcy or anything else that causes a hurt credit score may benefit from what secured cards have to offer. Some cards come free from a credit check or minimum score to apply, giving people routes to rebuild no matter their past credit history.
Who should skip a secured card
The high spender. Secured cards typically set your credit limit equal to your deposit, meaning you’ll likely not have much room for a large budget. Unless you plan to put down a sizable deposit, you’ll probably want to look elsewhere if you plan to swipe your card often.
The established cardholder. If you have a good or even fair credit score, you might be better off with one of the traditional cards in your range. That being said, don’t fall for a card with bad terms just because it doesn’t require an initial deposit. The benefits and terms of some top secured cards can outshine their competitors.
The rewards chaser. Though you can find solid cash back and specialized rewards with secured credit products, anyone looking for substantial rewards should look to more valuable options. If the top rewards cards or travel options aren’t yet in your credit range, a secured card can be a step on the journey to a generous traditional rewards card.
How to upgrade to an unsecured credit card
You probably don’t want to keep a secured card forever; for most people, secured credit cards are a bridge to bigger and better things. When you are able to upgrade, your next credit card should be a rewards card. If you have good credit and are able to pay your bill in full each month, passing up on a rewards card is like passing up on extra money, essentially. In addition to higher credit limits, you’ll have the luxury of earning cash back or travel points and access to exclusive perks like sign-up bonuses and 0% intro APR offers.
Make a budget: Take a look at your monthly income, regular bills and shopping habits to set yourself a limit on how much you can comfortably spend each month. Planning ahead will set you up for success when it’s time to make payments. Aside from forgetfulness, overspending is the easiest way to fall behind on your payments.
Achieve good credit: If you’re serious about improving your credit, you can do so in no time by developing good credit habits. This includes paying your balance off fully and on time. It helps avoid interest and keeps your balance low, which is the best way to show your creditworthiness. A good way to do this is to place small charges on the card and pay them off quickly.
Look to boost your credit limit: If you can’t afford to submit a sizable deposit for some extra wiggle room on your spending, making the proper payments until you’re approved for a higher limit is necessary. However, some cards won’t automatically review your account for a credit line increase, so be sure to contact your provider and ask to raise the limit after you’ve set a trend of good habits for a few months. Not only does this give you leeway with your spending, but it will help your credit score by improving your utilization ratio.
Inquire about your upgrade options: Note that some cards, such as the Discover it® Secured Credit Card, let you transition to an unsecured card after a period of time, provided your payment habits are good. Check with your card issuer. Even if the upgrade option isn’t advertised, you may still be able to trade up. Heads up that you likely won’t be able to benefit from the new card as a new member, meaning you may not get benefits like the sign-up bonus. However, you will enjoy any ongoing rewards that the new card offers.
Look into applying for a new credit card: If you don’t qualify for an upgrade or there is a disadvantage to the card you qualify for, such as an annual fee you’re not interested in, start exploring cards from different issuers. It’s worth looking into a variety of the best credit cards to find the perfect fit for your lifestyle. Looking with a new issuer may also set you up to earn a sign-up bonus you couldn’t get otherwise.
Decide what to do with your old secured card: Once you’ve successfully graduated to a rewards-earning unsecured option, it’s time to look at whether to keep the secured card. However, only close it if there is a compelling reason, such as recurring fees that you want to break away from. Be mindful that when you close a card account, while your good payment habits don’t drop off your credit reports for 10 years, the average age of your cards will go down, which will impact your score for a while. If you elect to, there are some tips to avoiding hurting your score when closing a credit card that can be useful.
Alternatives to secured credit cards
Whether you don’t want to plunk down a security deposit or you don’t qualify for a secured card, there are a number of alternative ways to enjoy the convenience, the safety of a cashless life and even credit building. For example, with unsecured cards such as retail credit cards, you can avoid paying a deposit while having the opportunity to build your credit. A passbook loan or credit-builder loan also gives ways for consumers to build credit. And while you won’t build credit with debit cards and prepaid cards, some consumers prefer them for budgeting and convenience reasons.
Usually unsecured credit cards are for consumers with better credit, but there are some available for fair and even poor credit. However, they often have hidden, weird fees. That said, there are a few that are worth a look, such as the Discover it® Student Cash Back and the Discover it® Student chrome. Both have minimal fees and offer rewards for restaurants, gas stations and more.
Retail cards are often co-branded with a network, such as Visa or Mastercard, and they frequently only require fair credit. There is usually no security deposit required, but the APRs are typically higher than other credit cards.
While you can’t build credit with these cards, some people use them to manage their spending. Prepaid cards can be purchased at grocery and other stores, then reloaded with money when the balance runs low. Prepaid cards are safer than cash because they have some protections by federal law.
Debit cards are attached to your checking or savings account and can be used at points of sale and as an ATM card. You won’t be able to build credit with this kind of card, and you’ll need to check your financial institution about protections because they don’t automatically have the protections of credit cards or prepaid cards.
There are different types of credit-builder loans, including unsecured loans that can be used for emergencies, such as a car breakdown, and secured loans that require you to save. As the name implies, they are designed for building credit. Community banks and credit unions often offer these lending products.
A passbook loan is a lending product secured by a savings account. According to Investopedia, some lenders lend up to 50% of the savings account balance while others lend up to 100%. You can earn interest on the account, including the amount borrowed.
Research Methodology
Methodology: We analyzed 228 secured cards to identify the top products available for consumers. Core criteria we considered in our evaluation include:
Credit building features: With secured cards, you’ll often find features that can help you boost your credit score. We looked for options that will report your good habits, make it easy to track your score and more.
Credit needed: Accessibility is a key selling point for secured cards, so we made sure to find the best choices that allow for all ranges of credit scores. Even if you have no credit history whatsoever, there are secured cards here that can help.
Rates and fees: Some cards designed for poor credit scores feature penalizing fees and unfairly high rates. We avoided these as much as possible when selecting our top secured cards.
Other criteria used: Ease of application, ability to increase credit limits, deposit required, other benefits and features, customer service, security, rewards rates.
More information on secured credit cards
For more information on secured credit cards, continue reading content from our credit card experts:
**The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
Frequently Asked Questions
It can vary from person to person, but it can raise your score to the fair or even good credit score range. Depending on the compatibility of the secured card and your spending habits, you can raise your score over the course of several months to a year. From there, you can upgrade to a better, more rewarding credit card.
The easiest secured credit cards to get will be ones that do not require a credit check, like the OpenSky® Secured Visa® Credit Card.
In the event that your application for a secured credit card is denied, the issuer will provide you with an explanation of their decision as is legally required. This will give you an opportunity to correct the situation through steps to actively improve your credit score, or to dispute any incorrect information on your credit report that may be negatively impacting you.
About the Author
India Davis
India Davis is an editor specializing in credit cards and updates for CreditCards.com and Bankrate. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.
About the Editor
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Reviewer
Jason Steele
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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Calculating your approval odds
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We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site.