Why we recommend it...

The Orchard Bank Secured MasterCard is consistently the highest rated secured credit card by Credit Karma users. The Orchard Bank secured credit card has no processing fee and the annual fee is waived the first year. It has been reported that Orchard Bank has good customer service. Members have also reported healthy credit limit increases and upgrades to unsecured cards with responsible payment history.

It is important to note that Orchard Bank does have a unique application process. When you apply, Orchard Bank will perform a soft credit inquiry (does not lower credit score) to determine the best product for you. If you have strong credit, they will provide an unsecured card. The secured MasterCard has an APR of 7.90%-28.90%, an annual fee of $0 - $74 for the first year and $35 - $79 per year thereafter, and no processing fee for people with poor or no credit. The minimum security deposit is $200

Why we recommend it...

Getting a credit card with poor credit can be next to impossible in this economic environment. Virtually all credit card companies have increased their credit score requirements to hedge against defaults in this poor economy. For people with poor credit, the only options are pre-paid or secured credit cards. The bad thing about pre-paid cards is that they don't help build your credit since they don't report to the credit bureaus.

When it comes to secured credit cards, the Public Savings Bank Secured Visa looks like a great option. It has a low one time of fee of $75 with no annual fee. It also boast a credit limit based on your deposit up to $5,000. This is a great way to rebuild your credit while gaining the benefits of a credit card.

Why we recommend it...

Unsecured credit cards for fair credit consumers can often come with hundreds of dollars of hidden fees or exorbitant interest rates. With so many pitfalls about in this credit range, we are happy to recommend the Capital One Classic Platinum Card. Our data shows the consumers with credit scores as low as 516 have been approved in the past for this card. With a low annual fee, reasonable interest rate, and great introductory rate, this card is an excellent option for consumers looking to make the switch to an unsecured card.

Why we recommend it...

The Orchard Bank Secured MasterCard is consistently the highest rated secured credit card by Credit Karma users. The Orchard Bank secured credit card has no processing fee and the annual fee is waived the first year. It has been reported that Orchard Bank has good customer service. Members have also reported healthy credit limit increases and upgrades to unsecured cards with responsible payment history.

It is important to note that Orchard Bank does have a unique application process. When you apply, Orchard Bank will perform a soft credit inquiry (does not lower credit score) to determine the best product for you. If you have strong credit, they will provide an unsecured card. The secured MasterCard has an APR of 7.90%-28.90%, an annual fee of $0 - $74 for the first year and $35 - $79 per year thereafter, and no processing fee for people with poor or no credit. The minimum security deposit is $200

Why we recommend it...

As the economic environment continues to narrow consumers’ credit card options, the Chase Freedom Card is bellwether for consumers with good credit. The Chase Freedom Credit Card has some of the best features in this market including 1% cash back (up to 20% with certain merchants), and up to 12 months of 0% APR for purchases.

The Chase Freedom Card is the most popular credit card on Credit Karma with over 100,000 members carrying this card. The average credit limit for this card for consumers with good credit is $4,680.

Why we recommend it...

If you carry a balance on your credit card, a low interest rate is key to saving money over the long term. Don't get fooled into getting a rewards card with a high APR. You'll pay for those rewards several times over in higher interest payments. The Citi® Platinum Select® Card has a variable interest rate of 11.99-19.99%. The interest rate is determined based on your credit, so make sure your credit is at least 720 if you want to take advantage of this rate.

Why we recommend it...

Excellent credit cardholders have something to be excited about with Capital One’s Venture Rewards Credit Card. You get no hassle, no limit airline miles with Venture’s rewards program for cardholders with stellar credit scores looking to seriously bulk up on their travel time. Earn miles faster by earning 2 miles for every dollar spent; plus, you never ever have to worry about blackout dates, seat restrictions, or being limited to specific carriers to redeem your miles. To jumpstart your jet-setting plans, Venture delivers 10,000 bonus miles when you spend $1,000 in the first 3 months.

The Venture Rewards Card takes all the fuss out of complicated reward-earning terms and gives optimal flexibility with redeeming your airline miles. With excellent credit like yours, you deserve the best travel rewards card to take you from here to there.

Why we recommend it...

With the Discover More card, you get the most cash back possible and upgraded card benefits, with an unbeatable 5% cash back bonus in many categories including department stores, home improvement stores, movies, restaurants, and MORE. Discover still gives more with a current offer of $50 cash back after you spend $599 in purchases.

Discover More isn’t just about cash back; it gives great credit card terms for excellent credit: 0% APR on balance transfer up to 12 months and 0% APR on purchases up to 6 months. With no annual fee, Discover makes it easy to earn more, not spend more. If you do a lot of everyday shopping and typically don’t carry a balance, Discover More card is a great way to earn money while you spend it. Apply now to get more with your Discover than with any other credit card out there.