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: you can start 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.
  • Monitor your progress with monthly credit reports (updated quarterly).
  • 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
PREMIER Bankcard® Classic Credit Card
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • Monitor your progress with monthly credit reports (updated quarterly).
  • 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
Merit Platinum Card
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Credit Bureau
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
Intro - Purchases
Intro - Balance Transfer
Regular APR
Annual Fee
Credit Needed

Top Credit Cards for Average Credit

PREMIER Bankcard® Mastercard® Credit Card
  • Everyone deserves a chance to build credit: you can start 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.
  • Monitor your progress with monthly credit reports (updated quarterly).
  • 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: you can start 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.