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
First PREMIER® Bank Mastercard® Credit Card
  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you're approved!
  • *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 First PREMIER® Bank 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
  • 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
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
Surge Mastercard® Credit Card
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro - Purchases
N/A
Intro - Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Needed
Bad/Poor

Top Credit Cards for Average Credit

First PREMIER® Bank Mastercard® Credit Card
  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you're approved!
  • *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 First PREMIER® Bank 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
  • Choose which account management options are right for you.
  • Build credit with First PREMIER.*
  • Fill out an application and know in 60 seconds if you're approved!
  • *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 First PREMIER® Bank 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

First PREMIER® Bank Mastercard® Credit Card
  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you're approved!
  • *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 First PREMIER® Bank 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

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