Credit Compound

The Card Database

345 cards tracked · offers verified against issuer pages · histories charted

Overwhelmed with credit card options?

Filter out the noise. Compound Match ranks every card against your real spend, math included.

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Chase Sapphire Preferred card art

The best first travel card in the game. Full transfer partner access for $95.

75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Discover it Cash Back card art

Cashback Match doubles everything you earn in year one.

Special bonusAF: $0Rating: 8.0/10
Blue Cash Everyday Card card art
Blue Cash Everyday CardAmerican Express

3% groceries, gas, and online retail with no fee.

$200 bonus (≈$200)AF: $0Rating: 7.8/10
U.S. Bank Altitude Go Secured Visa card art

4x on dining is unheard of for a secured card.

Special bonusAF: $0Rating: 7.8/10
Navy Federal nRewards Secured card art
Navy Federal nRewards SecuredNavy Federal Credit Union

A secured card that earns rewards and graduates you in months, not years.

Special bonusAF: $0Rating: 7.6/10
Chase Freedom Rise card art

Chase's front door for first-time cardholders. 1.5% on everything while you build history.

2,500 pts bonus (≈$25)AF: $0Rating: 7.5/10
Apple Card card art
Apple CardGoldman Sachs

The iPhone-native card. Daily Cash, no fees of any kind.

Special bonusAF: $0Rating: 7.5/10
Discover it Secured card art

The rare secured card that earns real rewards and doubles them in year one.

Special bonusAF: $0Rating: 7.5/10
U.S. Bank Shield Visa card art

The longest 0% intro APR in the market, with a few rewards sprinkled on.

Special bonusAF: $0Rating: 7.5/10
Capital One Quicksilver card art

1.5% on everything with no fee and no FTF. The honest default.

$200 bonus (≈$200)AF: $0Rating: 7.4/10
Discover it Miles card art

1.5x everywhere, doubled to 3x for your entire first year.

Special bonusAF: $0Rating: 7.4/10
Discover it Student Cash Back card art

5% rotating categories and a first-year double, on a student's credit file.

Special bonusAF: $0Rating: 7.4/10
Citi Rewards+ card art

The round-up card, retired in favor of the Citi Strata.

Special bonusAF: $0Rating: 7.0/10
Discover it Chrome card art

Fixed 2% on gas and dining with no quarterly activation.

Special bonusAF: $0Rating: 7.0/10
Capital One Quicksilver Secured card art

Flat 1.5% everywhere while you build credit.

Special bonusAF: $0Rating: 7.0/10
Capital One Savor Student Cash Rewards card art

3% on the categories that define a college budget.

$100 bonus (≈$100)AF: $0Rating: 7.0/10
BankAmericard card art
BankAmericardBank of America

No rewards, no frills, 21 billing cycles of 0% interest.

Special bonusAF: $0Rating: 7.0/10
Petal 2 Visa card art

The fee-free starter card that proved cash flow underwriting works, now closed to new applicants.

Special bonusAF: $0Rating: 7.0/10
Discover it Student Chrome card art

Set-and-forget 2% on gas and dining for students who will not chase categories.

Special bonusAF: $0Rating: 7.0/10
Bank of America Customized Cash Rewards Secured card art

The full 3% choose-your-category structure, in a secured shell.

Special bonusAF: $0Rating: 6.9/10
Step Visa Card card art

The card that lets a teenager turn 18 with two years of credit history already banked.

Special bonusAF: $0Rating: 6.9/10
Capital One Platinum Secured card art

A $200 credit line for as little as $49 down.

Special bonusAF: $0Rating: 6.8/10
Chime Credit Builder Secured Visa card art

Spend your own money like a debit card while it builds credit like a credit card.

Special bonusAF: $0Rating: 6.8/10
Capital One Quicksilver Student Cash Rewards card art

Flat 1.5% everywhere for students who want zero complexity.

$100 bonus (≈$100)AF: $0Rating: 6.7/10
Varo Believe Secured Card card art

No deposit minimum, no interest, no fees: just your own money building credit.

Special bonusAF: $0Rating: 6.6/10
American Express ZYNC card art
American Express ZYNCAmerican Express

The build-your-own charge card experiment that lasted two years.

Special bonusAF: $25Rating: 6.5/10
Capital One QuicksilverOne Cash Rewards card art

1.5% cash back for people still building their credit score.

Special bonusAF: $39Rating: 6.4/10
OpenSky Plus Secured Visa card art

OpenSky's no credit check approval, now without the annual fee.

Special bonusAF: $0Rating: 6.4/10
Chase Slate (Original) card art

The no-fee balance transfer icon, retired in 2020. A new Slate exists, this is not that card.

Special bonusAF: $0Rating: 6.4/10
Zolve Azpire Credit Builder Card card art

A US credit file you can start before your plane lands.

Special bonusAF: $0Rating: 6.4/10
Current Build Card card art

Spend your Current balance like debit while the card reports it as credit.

Special bonusAF: $0Rating: 6.3/10
Capital One Spark 1% Classic card art

The business credit builder that still pays you something back.

Special bonusAF: $0Rating: 6.2/10
cred.ai Unicorn Card card art

A metal deposit-backed card whose whole personality is automating good credit behavior.

Special bonusAF: $0Rating: 6.1/10
Citi Secured Mastercard card art

A no-fee secured card from a major bank, with a clear 18-month runway.

Special bonusAF: $0Rating: 6.0/10
Chase Slate Edge card art

Chase's balance transfer and APR card, now closed to new applicants.

Special bonusAF: $0Rating: 6.0/10
Capital One Platinum card art

A pure credit-building card with no fee and no distractions.

Special bonusAF: $0Rating: 6.0/10
Petal 1 Visa card art

Petal's lower-tier builder card, also closed since the Empower acquisition.

Special bonusAF: $0Rating: 6.0/10
TD Cash Secured Credit Card card art

A secured card that earns like TD's unsecured Cash card, fee and all.

Special bonusAF: $29Rating: 6.0/10
Self Secured Visa card art

Turn credit builder loan savings into a secured card without new cash.

Special bonusAF: $25Rating: 5.9/10
Mission Lane Visa card art
Mission Lane VisaMission Lane

An unsecured line for damaged credit, with no deposit and no guessing at terms.

Special bonusAF: $0Rating: 5.9/10
OpenSky Secured Visa card art

No credit check at all. Approval rests on your deposit, not your past.

Special bonusAF: $35Rating: 5.8/10
Firstcard Secured Credit Builder Card card art

One of the few US credit builders that accepts international students without an SSN.

Special bonusAF: $48Rating: 5.7/10
First Progress Platinum Prestige Secured Mastercard card art

The lowest APR in the secured card world, if you are willing to pay for it.

Special bonusAF: $49Rating: 5.6/10
Grow Credit Mastercard card art

A virtual card that turns the Netflix bill you already pay into a credit tradeline.

Special bonusAF: $0Rating: 5.6/10
Upgrade Cash Rewards Visa card art

A card that turns every statement into a fixed-rate installment loan, with 1.5% back along the way.

$2 bonus (≈$2)AF: $0Rating: 5.5/10
TD Clear Visa Platinum card art

No interest ever, just a flat monthly subscription fee for your credit line.

Special bonusAF: $120Rating: 5.5/10
GO2bank Secured Visa Credit Card card art

Green Dot's plain secured card for people already banking with GO2bank.

Special bonusAF: $0Rating: 5.4/10
Credit One Bank Wander Card card art

One of the only travel rewards cards that will take fair credit, at a price.

Special bonusAF: $95Rating: 5.2/10
Mine Card (formerly Fizz) card art
Mine Card (formerly Fizz)Mine (formerly Fizz)

The college credit builder that rebranded from Fizz to Mine and started charging real money.

Special bonusAF: $60Rating: 5.0/10
Avant Credit Card card art

A plain unsecured builder card with one honest fee and no gotchas.

Special bonusAF: $39Rating: 4.5/10
Nav Prime Card card art

A business credit-building charge card that Nav shut down in April 2026.

Special bonusAF: $0Rating: 4.5/10
Indigo Mastercard card art
Indigo MastercardConcora Credit

Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.

Special bonusAF: $175Rating: 3.2/10
Credit One Bank Platinum Visa card art

An unsecured card for damaged credit that charges almost a hundred dollars a year for the privilege.

Special bonusAF: $99Rating: 3.0/10
Milestone Mastercard card art
Milestone MastercardConcora Credit

The Indigo's twin, with the same heavy fees under a different name.

Special bonusAF: $175Rating: 3.0/10
Destiny Mastercard card art
Destiny MastercardConcora Credit

The third card in the Concora trio, with the same fees and the same warning label.

Special bonusAF: $175Rating: 3.0/10
Tomo Credit Card card art

A no-credit-check card whose one job, credit bureau reporting, stopped working.

Special bonusAF: $0Rating: 3.0/10