Our mission is simple - to help you find the best credit cards. We look at cards that provide benefits such as 0% interest APR or low interest rates, No annual fees or low annual fees, cash back rewards, gas rebates, airline and travel perks, services people with various credit scores (low, average, good or excellent).

We limit our focus of credit cards to those available to student, cash/gas reward seekers and people who are in the process of establishing or rebuilding their credit.

Credit Cards for High School Student and College Students Credit Cards

If you are a student who has good credit, there are a number unsecured credit cards available to you at a 0% APR introductory rates and no annual fees. You can apply for any of these cards online by completing a short application form. Most merchants have instant approval or approve applications within a few days.

More Student Credit Cards

Excellent - Highly Recommended. - Apply Online

Excellent - Highly Recommended. Apply Online

Credit Cards People with no credit history or people who are just starting to establish their credit

If you are one of those people, who never had much use for a credit cards, there is a good chance that credit report does not report much. The fact is you need credit in order to establish a good credit history. "Payment history" accounts for 35% of your credit score, while the "length of credit history also accounts for 15%. Combine, the two and 50% of your credit history is based on having a line of credit opened and proving that you can pay your bills on time, over a consistent period of time.

The cards listed are a combination of unsecured and secured credit cards. Unsecured credit cards do not require a deposit. Secured credit cards also referred to as prepaid credit cards will require a deposit usually of about $200.

More No Credit History Credit Cards

Good - Recommended. Apply Online

Excellent - Highly Recommended. Apply Online

Credit Cards for People with bad credit or very low credit scores

If you are struggling to rebuild your credit, one of these unsecured or secured credit cards are your best option. These cards offer an instant approval, no credit check process. All applicants are successfully approved. This means that whether you bad credit is due to Chapter 7 bankruptcy, Chapter 13 bankruptcy, foreclosure, chargeoffs, etc - you can get a card to start re-establishing your credit and raise your credit score.

Bad credit or low credit scores range: (350, 360, 370, 380, 390, 400, 410, 415, 420, 430, 440, 450, 460, 470, 480, 490, 500, 510, 520, 530, 540, 550, 560, 570, 580, 590, 600, 610, 615, 620)

More Bad Credit History Credit Cards

Good - Recommended. Apply Online

Excellent - Highly Recommended. Apply Online

Credit Cards for people looking for cash back rewards and gas rebate credit cards

Gas rebate, anyone? You bet. Why not get cash back or get a gas rebate when you use your credit card at the movies, restaurants, Costco or Sam's club? The fact is, most people rely heavily on their credit cards because it is simply convenient. No need to carry tons of cash. Rewards cards are a way for you to leverage your buying power. Get free gas, free airline tickets, free dining at AAA rated restaurants, free concerts, gift certifications, free hotel stays and more.



More Cashback Rewards and Gas Rebate Credit Cards

Good - Recommended Apply Online

#1 Excellent - Highly Recommended - Apply Online

Our Honest Review of the Citi CashREturns SM Card The Citi CashREturns SM Card is best for people who have excellent credit. You can earn up to 6% cash rebate on purchases (1% with general purchases and 5% when you shop the Citi Bonus cash center. There is no annual fee and interest rates are low for this type of card. Enjoy a 0% Interest APR for the first year on balance transfers. Best Features of the Citi CashREturns SM Card: 0% Interest APR for the first 12 months. Low interest rates. Up to 6% cash back rebate. $50 check everytime you earn $50 in cash rebates. No annual fee.

Credit score qualifications

Cash Rewards Credit Cards

If you are applying for a cash rewards or cash back credit card, the best deals are available to people with good credit scores of 700, 710, 720, 730, 740, 750, 760, 770, 780, 790 and up.

Student Credit Cards for High School Student, Undergraduate Students and Graduate Students

If you are applying for a student credit card and you have an excellent or great credit score of: 750, 760, 770, 780 790, 800, 810, 820, 830, 840, 850, you will have no problems applying for a getting any of the credit cards above.

If you are applying for a student credit card and you have an average, fair or a credit history that is not too strong or long, a credit score of: 620, 625, 630, 635, 640, 645, 650, 655, 660 will be sufficient to get a credit card.

If you are applying for a student credit card and you have bad or poor credit history with a low credit score of: 350, 360, 370, 380, 390, 400, 410, 415, 420, 430, 440, 450, 460, 470, 480, 490, 500, 510, 520, 530, 540, 550, 560, 570, 580, 590, 600, 610, 615, 620 will be sufficient to get a credit card.

No Credit History or Bad Credit History - Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure, Auto Repossessions, Chargeoffs, etc

If you are applying for a credit card and you have no credit history because you are just relocating to the USA or you are just starting out, you do not need to have a high credit score. Apply for any of the No Credit History Credit Cards reviewed.

If you are applying for a credit card and you have bad or poor credit history with a credit score of: 350, 360, 370, 380, 390, 400, 410, 415, 420, 430, 440, 450, 460, 470, 480, 490, 500, 510, 520, 530, 540, 550, 560, 570, 580, 590, 600, 610, 615, 620 - Apply for any of the Bad Credit History Credit Cards reviewed.

ChargeReviews.com is dedicated to helping you find the best credit card for your situation whether you have excellent or poor credit.

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Honest credit card reviews for students looking for credit cards with excellent, average or bad credit. People with bad credit or no credit history looking for credit cards to rebuild their credit. People looking for cash back credit cards or gas rebate credit cards.


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