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Credit Level - Fair |
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Fair Credit Level Cards |
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Do not have acceptable, established credit spanning more than 2 years. May have been late on payments in the last year. Do have a valid credit report. |
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| Appearance |
Official Name, Features, Rates and Fees |
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Discover® More Card - $75 Cashback Bonus
0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Excellent |
0* |
6 Mo.* |
11.99% - 20.99% (Variable)* |
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TrueEarnings(R) Card from Costco and American Express
Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| See Terms* |
Very Good |
See Terms* |
See Terms* |
15.24% variable |
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Orchard Bank Classic MasterCards
An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| See Terms* |
Fair |
n/a |
n/a |
7.90% - 28.90% |
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The Platinum Card(R) from American Express
Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $450 |
Excellent |
n/a |
n/a |
n/a |
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Blue Sky from American Express(R)
0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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American DreamCard™ MasterCard®
Over $1.2 Million Awarded to Date!
Large monthly cash jackpots
Earn entries from everyday shopping
Get 1,000 entries just for applying!
A New Winner Every Month!
Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
See terms and conditions for important rate, fee, and other cost information, and limitations
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0- $59* |
Good |
n/a |
n/a |
14.99% or 21.99% Variable |
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American Express(R) Gold Card
Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $125 |
Very Good |
n/a |
n/a |
n/a |
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Blue Cash(R) from American Express
0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Receive your cash back automatically as a statement credit
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Very Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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Discover® More Card- Black
0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 9 months, then the Regular APR
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0* |
9 Mo.* |
11.99% - 20.99% (Variable)* |
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Starwood Preferred Guest(R) Credit Card from American Express
Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| See Terms* |
Good |
See Terms* |
See Terms* |
15.24% variable |
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Delta Reserve Credit Card
Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
Complimentary Crown Room Club(R) access for you and two guests
Access to American Express(R) Concierge Services
Pay with Miles - pay for all or part of any Delta flight with your miles
Check your first bag for free on every Delta flight
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $450 |
Very Good |
See Terms* |
See Terms* |
14.5% variable |
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American Express(R) Premier Rewards Gold Card
3-2-1 Points: Earn Membership Rewards(R) points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
No annual fee for your first year, a savings of $175
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| See Terms* |
Excellent |
n/a |
n/a |
n/a |
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* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "Apply Now" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site .
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