Your card matches, based on your answers

Start over Edit my answers

The closest fit for what you told us

All three cards we track, sorted by ongoing APR.

Best for everyday cash back

Discover it Cash Back

APR
17.49%–26.49% variableissuer terms, checked 08/27/2026
Credit limit
Set at approval
Intro APR
0% for 15 months on purchases and balance transfers
How to apply
Online
Main requirement
Good credit or better.

5% back on rotating quarterly categories you have to activate, up to the quarterly cap, and 1% on everything else. Discover matches your first-year cash back. Acceptance abroad is thinner than Visa or Mastercard. APR range from Discover's terms page, checked 08/27/2026.

Read the review
Longest 0% window

Wells Fargo Reflect Card

APR
17.49%, 23.99% or 28.24% variableissuer terms, checked 08/27/2026
Credit limit
Set at approval
Intro APR
0% for 21 months on purchases and qualifying transfers
How to apply
Online
Main requirement
Good to excellent credit.

No rewards and no welcome bonus, the whole point is the 21-month interest-free window. Transfers cost 5% of the amount, US$5 minimum, and only transfers posted within 120 days of opening get the intro rate. You can't move a balance from another Wells Fargo account. Terms checked 08/27/2026.

Read the review
No credit check

OpenSky Secured Visa Credit Card

APR
21.14% variableissuer terms, checked 08/27/2026
Credit limit
US$200 to US$3,000, equal to your deposit
Intro APR
None
How to apply
Online
Main requirement
A refundable deposit of US$200 or more.

No credit check at all, so approval odds are high even after serious trouble. Your deposit becomes your limit, and activity is reported to all three bureaus. Costs US$35 a year plus a 3% foreign transaction fee. Treat it as a 12 to 18 month stepping stone, not a keeper. Issued by Capital Bank, N.A. APR checked 08/27/2026.

Read the review

About this comparison

We compare three cards here, each one picked for a different job: everyday cash back, rebuilding credit, and paying down a balance you already carry. Rates, fees and intro offers come from the issuer's own terms page, and the date we checked sits under every APR.

We don't run a credit check and we don't decide who gets approved. The issuer does, and the offer you see after applying can differ from the one advertised. Read the card agreement before you accept.

We are not a bank or a card issuer. Rates, fees and approval terms are set by each issuer and can change without notice.