Featured Partner Offer
Discover it® Secured Credit Card
On Discover's Website
On Discover's Website
Up to 2% Reward Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. PlusRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
28.24% Variable APR
Credit Score
New/Rebuilding Credit
Card Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Flat-Rate Rewards and Booking Hotels and Rental Cars
Capital One QuicksilverOne Cash Rewards Credit Card
On Capital One's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Reward Rate
Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental carsRead More
Welcome Bonus
N/A
Annual Fee
$39
Regular APR
29.99% (Variable)
Credit Score
Average, Fair, Limited
Our Expert Take
A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.
Pros & Cons
- Unlimited 1.5% cash-back rewards
- Fair-to-average credit applicants considered
- No foreign transaction fee
- Rewards don’t expire for the life of the account
- High APR
- No boosted rate in common spending categories
- No welcome offer
- No intro APR offer
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- 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
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Gas, Dining and Groceries
BPme Rewards Visa® *
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 15 cents off every gallon of bp and Amoco fuel purchases; Earn 5% cash back on non-fuel bp andRead More
Welcome Bonus
30 Cents off
Annual Fee
$0
Regular APR
31.99% fixed
Credit Score
Fair/Average(650 - 699)
Our Expert Take
If you get most of your fuel from bp or Amoco and want to build credit while saving on gas, the BPme Rewards Visa®* is a solid choice. There’s no annual fee and a few extra bonus categories to maximize your rewards.
Pros & Cons
- Discount on BP and Amoco fuel
- Solid cash-back rewards program
- No annual fee
- Fuel discount is brand-specific
- Extremely high APR
- Foreign transaction fee
Card Details
- 15 cents off every gallon automatically on bp and Amoco fuel purchases
- 5% cash back on non-fuel purchases at bp and Amoco stores (including convenience store and car wash purchases)
- Special intro offer: 30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening
- 3% cash back on grocery purchases, 3% cash back on dining purchases (including restaurants, take-out, and food delivery services) and 1% cash back on all other qualifying purchases
30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off after the first 60 days
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Travel Purchases
Credit One Bank® Wander® American Express® Card
Apply Now
On Credit One Bank's Website
3.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now
On Credit One Bank's Website
Up to 10X Reward Rate
Earn 10X points on eligible hotels and car rentals booked through the Credit One Bank travel site; earn 5X pointsRead More
Welcome Bonus
N/A
Annual Fee
$95
Regular APR
29.99% Variable
Credit Score
Fair/Good(650 - 699)
Our Expert Take
The Wander is the rare card that combines high-value travel and gas earnings and only average credit needed to apply.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
The Credit One Bank Wander Card offers lucrative points-earning opportunities within key travel categories, however, its extra perks and benefits fall short when compared to other premium credit cards.
Pros & Cons
- No foreign transaction fees
- High reward potential
- Issuer advertises requiring an average minimum credit rating
- $95 annual fee
- No low introductory APR period
- High 29.99% Variable APR
Card Details
- 10X points on eligible hotel and car rentals booked using the Credit One Bank travel partner.
- 5X points on eligible travel including flights, dining, and gas purchases.
- 1X points on all other purchases.
- Rent a car at Avis, Hertz, or SIXT and receive exclusive Amex Card member discounts, complimentary upgrades, and more.*
- Terms Apply*
- See Rates & Fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Improving Your Credit
Petal® 2 “Cash Back, No Fees” Visa® Credit Card *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 10% cash back
1% cash back on eligible purchases right away. Up to 1.5% cash back on eligible purchases after making 12 on-timeRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.24% - 32.24% (Variable)
Credit Score
Limited/Fair/Good/Excellent
Our Expert Take
If you have no credit or limited credit, the Petal 2 Credit Card is our first choice. You can check to see if you’re pre-approved without impacting your credit score (a process that uses a “soft pull”). This card is light on fees, so if you don’t carry a balance you may be able to build a solid credit history with responsible use while limiting your exposure to fees. However, those with missed payments or a bankruptcy on their credit report are unlikely to be approved.
Pros & Cons
- No fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee
- No security deposit
- No credit check required
- No intro APR offer
- No cash advances or balance transfers
- Applicants with a damaged credit report may not qualify
Card Details
- No late, foreign transaction or annual fees
- Earn 1.5% cash back on qualifying purchases after making 12 on-time monthly payments
- Earn 1% cash back on eligible purchases right away
- Earn 2% – 10% cash back on qualifying merchants
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Here’s a Summary of the Best Credit Cards for 600 Credit Score
Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
BPme Rewards Visa® *
Credit One Bank® Wander® American Express® Card
Petal® 2 “Cash Back, No Fees” Visa® Credit Card *
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Capital One QuicksilverOne Cash Rewards Credit Card
Best for Flat-Rate Rewards and Booking Hotels and Rental Cars
Average, Fair, Limited
$39
N/A
BPme Rewards Visa® *
Best for Gas, Dining and Groceries
Fair/Average
$0
30 Cents off
Credit One Bank® Wander® American Express® Card
Best for Travel Purchases
Fair/Good
$95
N/A
Petal® 2 “Cash Back, No Fees” Visa® Credit Card *
Best for Improving Your Credit
Limited/Fair/Good/Excellent
$0
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
N/A
30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off after the first 60 days
N/A
N/A
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circ*mstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
