Your credit card matches

Start over Edit my answers

The closest fit to your answers

All the cards we track, sorted by APR.

Best for everyday cash back

Discover it® Cash Back

CET
17.24% to 28.24% variable APRissuer APR, checked Aug 26, 2026
Valor
Set by Discover after the credit review
Prazo
0% intro APR for 15 months on purchases
Contratação
Online application
Requisito principal
Good to excellent credit (roughly 670 to 850), U.S. resident, valid SSN and an active bank account.

The 5% rate only applies to the rotating quarterly categories and you have to activate them; everything else earns 1%. Balance transfers carry a 5% fee once the intro period ends.

Read the review
Longest 0% intro APR

Wells Fargo Reflect® Card

CET
18.24%, 24.74% or 29.99% variable APRissuer APR, checked Aug 26, 2026
Valor
Limit starting at $1,000
Prazo
0% intro APR for 21 months from account opening
Contratação
Online application
Requisito principal
18 or older, living in the U.S., proof of income that supports the limit. Good to excellent credit helps.

No rewards program at all. The reduced balance transfer rate only holds for the first 120 days, and once the intro window closes the variable APR can land at 29.99%.

Read the review
Approval without a credit check

OpenSky® Secured Visa®

CET
23.89% variable APRissuer APR, checked Aug 26, 2026
Valor
$200 to $3,000, equal to your refundable deposit
Prazo
No intro APR period
Contratação
Online application
Requisito principal
No credit check and no checking account required. Refundable deposit from $200, fundable over up to 60 days.

$35 annual fee and a 3% foreign transaction fee. Your limit is your own deposit, and the move to an unsecured card is by invitation, not on a fixed schedule.

Read the review

About this comparison

We compare cards on the numbers the issuer publishes: APR, annual fee, intro period, credit limit and who the card is meant for. Nothing here is a credit approval and nothing is personal financial advice.

Rates and terms change often. Always confirm on the issuer's page before you apply. Minimal Guy may earn a commission when you apply through our links, and that never changes the order or the content of this comparison.

Minimal Guy is not a lender or a card issuer. Approval, limit and APR are decided by the issuer.