Best Credit Cards
This section features the best credit cards, determined by popularity, rewards, benefits and approval rate. Our research has concluded these top 10 credit cards to be the best from major banks.
Aspire® Cash Back Rewards Mastercard
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Needed: Fair, Above Average, LimitedCreditWeb considers the following based on credit types:
A credit score between 685 and 710 is considered above average credit. A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $85-$175 first year, $229 thereafter |
N/A* |
N/A* |
36% Fixed |
|
- Earn up to 3% cash back on all purchases
- Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
- Earn sign-up bonuses after meeting initial spending thresholds
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
Credit Needed: Excellent, GoodCreditWeb considers the following based on credit types:
A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2
Upgrade Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
- See Rates & Fees
** To qualify for the welcome bonus, you must...
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** To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Credit Needed: Excellent, GoodCreditWeb considers the following based on credit types:
A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2
Reviews: 1
Rewards: Cash Back
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $0 |
N/A* |
N/A |
14.99% - 29.99% APR |
|
Upgrade Triple Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
** To qualify for the welcome bonus, you must...
See More
** To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Credit Needed: Excellent, Good, Above AverageCreditWeb considers the following based on credit types:
A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. A credit score between 685 and 710 is considered above average credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $0* |
N/A* |
N/A* |
14.99% - 29.99% APR |
|
Directly with Cross River Bank
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Upgrade Life Rewards Visa®
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay*
- Combine the flexibility of a card with the predictability of a loan
- No Annual fee*
- No touch payments with contactless technology built in*
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
Credit Needed: Excellent, GoodCreditWeb considers the following based on credit types:
A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $0 |
N/A |
N/A |
14.99% - 29.99% APR |
|
If you have a good to excellent credit history, we recommend that you consider these cards, which is considered the best credit cards.
