Top Credit Card Offers

Welcome to CreditCard321.com, your quick and easy guide to credit cards. Our website has served as a leading online review of credit card offers since 2004, helping millions of consumers research the ideal card to fit their financial needs. Below you'll find today's top credit card offers as reviewed and ranked by our staff. Use the menu on your left to sort by feature, issuer, and the credit rating you'll need for approval.

Advertiser Disclosure
PREMIER Bankcard® Mastercard® Credit Card
  • Everyone deserves a chance to build* credit: apply today!
  • PREMIER Bankcard® credit cards are for building* credit.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.     
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad/Fair Credit
PREMIER Bankcard® Green Credit Card
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad Credit
First PREMIER® Bank Gold Credit Card
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad/Fair Credit
Merit Platinum Card
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Intro - Purchases
Intro - Balance Transfer
N/A
Regular APR
0% APR
Annual Fee
See website for Details*
Credit Needed
First Access Visa® Credit Card
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (Subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Fair/Bad Credit
Total Visa® Card
  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Bad/Fair Credit
OpenSky® Secured Visa® Credit Card
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
18.14% (variable)
Annual Fee
$35
Credit Needed
No credit check

Top Credit Cards for Average Credit

PREMIER Bankcard® Mastercard® Credit Card
  • Everyone deserves a chance to build* credit: apply today!
  • PREMIER Bankcard® credit cards are for building* credit.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.     
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad/Fair Credit
First PREMIER® Bank Gold Credit Card
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad/Fair Credit

Top Credit Cards for Bad Credit

PREMIER Bankcard® Mastercard® Credit Card
  • Everyone deserves a chance to build* credit: apply today!
  • PREMIER Bankcard® credit cards are for building* credit.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.     
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Needed
Bad/Fair Credit

Related Offers

Loans Under 36%
  • Loans up to $35,000
  • Suitable for those with all credit ranges
  • APR varies from 4.99% up based on customer information
  • Great for consolidating debt
  • No obligation fee
  • Decision within minutes

Share Your Feedback

Since 2004 our site has helped more than 5 million online visitors research credit card offers, but now we're asking for your help. Do you have a comment or suggestion for making our site even better? We want your feedback! Please contact us and let us know what you think. For more information on the best credit card offers (news, advice, and more) we encourage you to visit CreditCards.org. Like our site, its consumer-first focus makes the site a leading voice in the credit card industry.