Credit Compound

The Card Database

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

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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.

Terms under review AF: Under reviewRating: 7.8/10
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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.

Terms under review AF: Under reviewRating: 7.6/10
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Chase Freedom Rise card art

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

Terms under review AF: Under reviewRating: 7.5/10
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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.

Terms under review AF: Under reviewRating: 7.5/10
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U.S. Bank Shield Visa card art

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

Terms under review AF: Under reviewRating: 7.5/10
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Capital One Quicksilver card art

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

Terms under review AF: Under reviewRating: 7.4/10
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Discover it Miles card art

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

Terms under review AF: Under reviewRating: 7.4/10
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Discover it Student Cash Back card art

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

Terms under review AF: Under reviewRating: 7.4/10
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Citi Rewards+ card art

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

Terms under review AF: Under reviewRating: 7.0/10
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Discover it Chrome card art

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

Terms under review AF: Under reviewRating: 7.0/10
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Capital One Quicksilver Secured card art

Flat 1.5% everywhere while you build credit.

Terms under review AF: Under reviewRating: 7.0/10
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Capital One Savor Student Cash Rewards card art

3% on the categories that define a college budget.

Terms under review AF: Under reviewRating: 7.0/10
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BankAmericard card art
BankAmericardBank of America

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

Terms under review AF: Under reviewRating: 7.0/10
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Petal 2 Visa card art

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

Terms under review AF: Under reviewRating: 7.0/10
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Discover it Student Chrome card art

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

Terms under review AF: Under reviewRating: 7.0/10
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Bank of America Customized Cash Rewards Secured card art

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

Terms under review AF: Under reviewRating: 6.9/10
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Step Visa Card card art

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

Terms under review AF: Under reviewRating: 6.9/10
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Capital One Platinum Secured card art

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

Terms under review AF: Under reviewRating: 6.8/10
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Chime Credit Builder Secured Visa card art

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

Terms under review AF: Under reviewRating: 6.8/10
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Capital One Quicksilver Student Cash Rewards card art

Flat 1.5% everywhere for students who want zero complexity.

Terms under review AF: Under reviewRating: 6.7/10
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Varo Believe Secured Card card art

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

Terms under review AF: Under reviewRating: 6.6/10
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American Express ZYNC card art
American Express ZYNCAmerican Express

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

Terms under review AF: Under reviewRating: 6.5/10
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Capital One QuicksilverOne Cash Rewards card art

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

Terms under review AF: Under reviewRating: 6.4/10
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OpenSky Plus Secured Visa card art

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

Terms under review AF: Under reviewRating: 6.4/10
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Chase Slate (Original) card art

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

Terms under review AF: Under reviewRating: 6.4/10
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Zolve Azpire Credit Builder Card card art

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

Terms under review AF: Under reviewRating: 6.4/10
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Current Build Card card art

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

Terms under review AF: Under reviewRating: 6.3/10
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Capital One Spark 1% Classic card art

The business credit builder that still pays you something back.

Terms under review AF: Under reviewRating: 6.2/10
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cred.ai Unicorn Card card art

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

Terms under review AF: Under reviewRating: 6.1/10
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Citi Secured Mastercard card art

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

Terms under review AF: Under reviewRating: 6.0/10
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Chase Slate Edge card art

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

Terms under review AF: Under reviewRating: 6.0/10
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Capital One Platinum card art

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

Terms under review AF: Under reviewRating: 6.0/10
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Petal 1 Visa card art

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

Terms under review AF: Under reviewRating: 6.0/10
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TD Cash Secured Credit Card card art

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

Terms under review AF: Under reviewRating: 6.0/10
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Self Secured Visa card art

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

Terms under review AF: Under reviewRating: 5.9/10
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Mission Lane Visa card art
Mission Lane VisaMission Lane

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

Terms under review AF: Under reviewRating: 5.9/10
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OpenSky Secured Visa card art

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

Terms under review AF: Under reviewRating: 5.8/10
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Firstcard Secured Credit Builder Card card art

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

Terms under review AF: Under reviewRating: 5.7/10
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First Progress Platinum Prestige Secured Mastercard card art

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

Terms under review AF: Under reviewRating: 5.6/10
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Grow Credit Mastercard card art

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

Terms under review AF: Under reviewRating: 5.6/10
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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.

Terms under review AF: Under reviewRating: 5.5/10
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TD Clear Visa Platinum card art

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

Terms under review AF: Under reviewRating: 5.5/10
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GO2bank Secured Visa Credit Card card art

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

Terms under review AF: Under reviewRating: 5.4/10
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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.

Terms under review AF: Under reviewRating: 5.0/10
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Avant Credit Card card art

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

Terms under review AF: Under reviewRating: 4.5/10
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Nav Prime Card card art

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

Terms under review AF: Under reviewRating: 4.5/10
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Indigo Mastercard card art
Indigo MastercardConcora Credit

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

Terms under review AF: Under reviewRating: 3.2/10
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Credit One Bank Platinum Visa card art

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

Terms under review AF: Under reviewRating: 3.0/10
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Milestone Mastercard card art
Milestone MastercardConcora Credit

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

Terms under review AF: Under reviewRating: 3.0/10
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Destiny Mastercard card art
Destiny MastercardConcora Credit

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

Terms under review AF: Under reviewRating: 3.0/10
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Tomo Credit Card card art

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

Terms under review AF: Under reviewRating: 3.0/10
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