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What’s the difference between a personal loan and a credit card?

Credit card or personal loan? The answer depends on what you’re buying and how you intend to pay it back.

Editor's choice: Monevo personal loans

  • No obligation offers
  • Quick online decision
  • Award-winning service
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When you’re in the market to make a major purchase but don’t have all the cash on hand, borrowing funds can be a viable route. It usually comes down to two options: credit cards and personal loans. Both have pros and cons, but choosing the one that best suits your financial situation could save you money in the long run.

How do personal loans and credit cards work?

Personal loans and credit cards are both types of credit that you have to repay with interest. However, there are some differences between the two.

  • Personal loans come in a lump sum. You have a predetermined amount of time to pay them off, usually between one and seven years. On top of interest, you might also have to pay application, origination, monthly or prepayment fees.
  • Credit cards are a revolving form of borrowing, so they can theoretically last a lifetime. There’s a cap on how much you can borrow each month and you have to make at least a minimum monthly payment on your balance. Many credit cards charge annual fees but also come with interest-free grace periods, balance transfers and rewards.

Main differences between personal loans and credit cards

Interest rate

Generally 2.99%-36.00%

Generally 13.99% to 22.99%

Repayment terms

Monthly

Monthly

Borrowing limit

Can be up to $100,000

Can be as high as $50,000

Funds disbursement

One lump sum upon approval

Revolving credit on card
(cash advances available as well)

Compare personal loan lenders and credit card providers

Name Product Filter Values APR Min. Credit Score Loan Amount
Best Egg personal loans
5.99% to 29.99%
600
$2,000 – $50,000
A prime online lending platform with multiple repayment methods.
SoFi personal loans
5.99% to 18.85%
680
$5,000 – $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Upgrade personal loans
5.94% to 35.97%
600
$1,000 – $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$1,000 – $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Upstart personal loans
7.68% to 35.99%
580 or 600 depending on state of residence
$1,000 – $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $560, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Terms apply, see rates & fees
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
See Pay Over Time APR
$250

Rose Gold is back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Citi Rewards+® Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
OpenSky® Secured Visa® Credit Card
N/A
17.39% variable
$35
Apply for this card with no credit check if you're new to credit or have bad credit.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
N/A
0% intro for the first 6 months (then 12.99% variable)
$49
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
Self Visa® Credit Card
N/A
21.74% variable
$25
Build your credit with a low minimum security deposit of $100 and no credit score required.
First Progress Platinum Select MasterCard® Secured Credit Card
N/A
13.99% variable
$39
No minimum credit score and no credit history required.
Citi Premier® Card
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
15.99% to 23.99% variable
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
United Quest℠ Card
3x miles on United, 2x miles at restaurants, on select streaming services and all other travel, 1x on all other purchases
16.49% to 23.49% variable
$250
80,000 miles after spending in the first 3 months plus 20,000 miles after spending $10,000 in the first 6 months
Petal® 1
2% – 10% cash back from select merchants
19.99% to 29.49% variable
$0
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.
Petal® 2
1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% – 10% back from select merchants
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
SoFi Credit Card
2% cash back on eligible purchases when redeemed towards SoFi crypto, investing, saving, or paying down an eligible loan with SoFi
12.99% to 24.99% variable
$0
Designed for those who bank with SoFi, this card can earn an impressive 2% cashback on all purchases when you redeem on eligible SoFi crypto, investing, savings or loans.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
See Pay Over Time APR
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500 based on Finder's valuation, multiple travel credits and unrivaled lounge access.Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Terms apply, see rates & fees
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 6 months (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases.Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Terms apply, see rates & fees
Sam's Club® Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
$0
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Marriott Bonvoy Bold™ credit card
Up to 14x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
15.99% to 22.99% variable
$0
50,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.
Brex 30 Card
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
First Progress Platinum Prestige Mastercard® Secured Credit Card
N/A
9.99% variable
$49
Build or rebuild your credit with this secured card.
First Progress Platinum Elite MasterCard® Secured Credit Card
N/A
19.99% variable
$29
Build your credit with all three major credit bureaus.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Surge Secured Mastercard®
Unlimited 1% cash back on all purchases
19.99% variable
$69
Earn 1% cash back rewards.
Citi® Secured Mastercard®
N/A
22.49% variable
$0
A no annual fee secured card for people who are new to credit or have limited credit history.
Capital on Tap Business Credit Card
1% cashback on all purchases
9.99% to 34.99% variable
$0
Earn 1% back on all purchases and invest in your business.
Charity Charge Nonprofit Business Mastercard®
1% cash back automatically donated to any nonprofit
14.9% variable
$0
Earn 1% cashback on all of your nonprofit business's purchases and automatically donate it to the nonprofits of your choice.
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Premium Capital on Tap Business Credit Card
2% cashback on all purchases
9.99% to 34.99% variable
$0
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Sam's Club® Credit Card
N/A
22.9% variable
$0
A store credit card for use at Sam's Club and Walmart® locations nationwide.
Grand Reserve™ World Mastercard®
5x points at Grand Reserve Partners, 3x points at any winery, wine club, wine shop, restaurant or bar and 2x everywhere else. Plus an additional 2x points at the wine merchant you spend the most each month.
14.99% to 22.99% variable
$149
Earn 5x points at Grand Reserve Partners, 3x points at any winery, wine club, or wine shop, and 2x everywhere else.
OakStone Gold Secured Mastercard®
N/A
13.99% variable
$39
A secured credit card to help you build credit with a low APR on purchases of 13.99% variable.
OakStone Platinum Secured Mastercard®
N/A
9.99% variable
$49
Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
United℠ Business Card
Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
Southwest Rapid Rewards® Premier Business Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
Southwest Rapid Rewards® Performance Business Credit Card
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
15.99% to 22.99% variable
$199
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
ARCO Business Solutions Mastercard
ARCO Business Solutions Mastercard
18.24% to 27.24% variable
Up to $180
This card offers spending flexibility, the freedom to use the cards wherever you need, detailed cost analysis, individual card control, and incremental rebates that deliver more for your fleet management system.
Public Sector Fleetcard
1¢ to 5¢ off per gallon based on monthly gallons purchased
32% fixed
Up to $120
Earn up to 5¢ off per gallon in valuable volume rebates based on overall fuel purchases.
BP Business Solutions Fuel Plus card
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
18.24% to 27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
Speedway SuperFleet Mastercard®
Up to 5 cents per gallon off depending on purchase volume
Rates and fees not available before applying
See terms
Earn rebates on gas and diesel at thousands of Speedway locations.
Merrick Bank Secured Visa® from Merrick Bank
N/A
17.45% variable
$36
Build or rebuild your credit with a secured credit card.
Chase Freedom® Student Credit Card
4% cashback on Lyft and 1% cash back on all other purchases
14.99% variable
$0
Earn 1% cash back on all purchases with this no-annual-fee student credit card.
Sam's Club® Business Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
$0
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.
Surge Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Reflex Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
FIT Mastercard® Credit Card
N/A
29.99% variable
From $99
Build or rebuild your credit with an unsecured card that reports to all three major credit bureaus.
Merrick Bank Double Your Line® Secured Visa® Credit Card
N/A
17.45% variable
$36
Double your credit line to $400 after making at least your minimum payment on time each month for the first 7 months.
Delta SkyMiles® Platinum American Express Card
3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases
15.74% to 24.74% variable
$250
This card boasts a welcome offer worth up to $700, an annual companion certificate and valuable Delta perks. Terms apply, see rates & fees
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
0% intro for the first 12 months (then 12.9% to 22.9% variable)
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
Applied Bank® Secured Visa® Gold Preferred® Credit Card
N/A
9.99% fixed
$48
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Visa® with Free Credit Score Access
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Platinum Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Official NASCAR® Credit Card from Credit One Bank®
Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop
17.99% to 23.99% variable
$0 to $99
Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.
British Airways Visa Signature® Card
5x Avios on British Airways and partner airlines for the first 12 months (then 3x) and 3x on hotels for the first 12 months (then 2x)
15.99% to 22.99% variable
$95
Earn 50,000 Avios after spending $3,000 on purchases in the first 3 months, plus earn a Travel Together Ticket after spending $20,000 in the first year.
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1.5x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months. Plus an additional 25,000 miles after spending $10,000 in the first 6 months.
Delta SkyMiles® Reserve American Express Card
3x miles on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$550
Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Terms apply, see rates & fees
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
14.99% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
United Club℠ Infinite Card
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
16.49% to 23.49% variable
$525
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge — a value of up to $650 annually.
Deserve® Edu Card
1% cash back on all purchases
18.74% variable
$0
Designed for college students to build credit history and earn rewards.
World of Hyatt Credit Card
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
15.99% to 22.99% variable
$95
Earn 30,000 points after spending $3,000 on purchases in the first 3 months. Plus earn 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months.
IHG® Rewards Club Premier Credit Card
Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
15.99% to 22.99% variable
$89
125,000 points after spending $3,000 in the first 3 months.
Jasper Mastercard®
1% cash back on purchases plus an extra 0.5% for a full year for every friend you refer and bring on board for up to 6% cashback, terms apply
15.49% to 24.99% variable
$0
A card for people who are new to credit in the US with 1% cash back on purchases and the opportunity to earn even more when you refer friends.
Marriott Bonvoy Boundless™ Credit Card
Up to 17x points at Marriott Bonvoy hotels and 2x points on all other purchases
15.99% to 22.99% variable
$95
Earn 100,000 points after spending $3,000 in the first 3 months from account opening.
PCB Secured Visa®
N/A
18.9% fixed
$39
Choose your initial deposit amount and credit limit from $200 to $1000. Rates & fees
FoundersCard
Members-only pricing, privileges, and promotions with a wide network of leading fashion, fitness and entertainment brands
N/A
$395
FoundersCard members receive access to privately negotiated rates and privileges at hundreds of top hotels and resorts around the world.
Merit Platinum
N/A
N/A
$299.40
Apply with no credit or bad credit, for use on the Horizon Outlet website.
First Digital Mastercard®
N/A
35.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
An unsecured card for applicants with no credit history or a poor credit score.
Indigo® Platinum Mastercard® Credit Card
N/A
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
First Access Visa® Card
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Build or rebuild your credit with this Visa credit card.
Milestone® Gold Mastercard®
N/A
24.9% fixed
$35 to $99
An unsecured Gold Mastercard for those with less than perfect credit. Annual fee of $35 to $99, depending on your creditworthiness.
Net First Platinum
N/A
N/A
Up to $299.40
Build your credit history with an unsecured line of credit.
Total Visa® Unsecured Credit Card
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.
Unique Platinum Card
N/A
N/A fixed
Up to $239.40
An easy-to-qualify-for card for use at My Unique Outlet.
Monroe & Main Credit
N/A
5.75% to 25.99% fixed
$0
Wear now, pay later.
Next Millennium Card
N/A
N/A fixed
Up to $239.40
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
Southwest Rapid Rewards® Premier Credit Card
3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3x points on dining, including takeout and eligible delivery services, for the first year.
Southwest Rapid Rewards® Plus Credit Card
3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$69
Southwest Rapid Rewards® Priority Credit Card
3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
$149
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
Destiny Mastercard®
N/A
24.9% fixed
$59 to $99
An unsecured credit card for building credit with the option to see if you prequalify before applying.
Applied Bank® Unsecured Classic Visa® Card
29.99% fixed
$75 intro annual fee for the first year ($45 thereafter)
An unsecured credit card for building credit with reporting to the three major credit bureaus.
Iberia Visa Signature® card
5x Avios on Iberia and partner airlines for the first 12 months (then 3x) and 3x on hotels for the first 12 months (then 2x)
15.99% to 22.99% variable
$95
Earn 50,000 Avios after you spend $3,000 on purchases in the first 3 months, plus 50,000 after spending $20,000 in the first 12 months.
Aer Lingus Visa Signature® Credit Card
5x Avios on Aer Lingus and partner airlines for the first 12 months (then 3x) and 3x on hotels for the first 12 months (then 2x)
15.99% to 22.99% variable
$95
Earn 50,000 Avios after spending $3,000 in the first 3 months, plus 50,000 Avios after spending $20,000 total in the first 12 months.
United Gateway℠ Card
2x miles on United Airlines purchases, at gas stations and on local transit and commuting and 1x on all other purchases. Plus, 3x miles on grocery store purchases up to $1,500 per month through 9/30/2021
16.49% to 23.49% variable
$0
20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Upgrade Card
1.5% cashback on all purchases when you pay them off
8.99% to 29.99% variable
$0
A smarter way to pay.No feesCredit lines from $500 to $25,000Use wherever Visa® is accepted
Principal Platinum Card
N/A
N/A fixed
$177.24
A store card with a $750 credit line for use at Horizon Outlet.
Group One Platinum Credit Card
Group One Platinum Credit Card
N/A
$177.24