Why we recommend it...

The Orchard Bank Secured MasterCard is consistently the highest rated secured credit card by Credit Karma users. 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%-19.90%, an annual fee of $0 - $60 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...

Capital One’s Secured MasterCard helps you build credit without breaking the bank. With no set up or processing fees and a hard-to-beat annual fee of $29, Capital One Secured MasterCard reports to all 3 major credit bureaus so you can take steps to build your credit history.

Additionally, Capital One provides credit resources, like access to your credit score, to help you monitor and better your overall credit health. After continued smart and responsible credit use, Capital One rewards eligible cardholders with a credit line increase without additional security deposits. Initial security deposit requirements start at $200, and can secure you a credit line up to $3,000.

A secured card is one of the best ways to turn around poor credit or establish good credit history, and Capital One’s Secured MasterCard is the right tool to help you do it an easily and affordably.

Why we recommend it...

Consumers with fair credit can finally get their hands on great card perks with the Capital One No Hassle Cash Rewards. The No Hassle Cash Rewards card offers a cash back program and bonus 0% intro APR. Our data shows that consumers with credit scores as low as 516 have been approved for this card, so you too can benefit from these terrific credit card terms.

The Capital One No Hassle Cash Rewards offers 2% cash back on gas and groceries and 1% cash back on all other purchases, with no expiration or earning limit. For the ultimate earning opportunities, cardholders can get up to 15% more cash back at over 300 retailers. Plus, the card has 0% intro APR on purchases until November 2012 to help you save more money on interest.

The Capital One No Hassle Cash Rewards has an annual fee of $39. But if you have fair credit and want to score rewards as you build your credit, this card is an excellent option for those 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 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%-19.90%, an annual fee of $0 - $60 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...

There’s many reasons why the Chase Freedom Credit Karma is the most popular credit card on Credit Karma. The Chase Freedom has some of the best features in this market including a generous cash back program that includes 1% cash back on every purchase, up to 10% bonus cash back at select merchants, competitively low interest, no limits or expiration on cashback rewards, and no annual fee!

Cardholders also get a standout 5% cash back earning power in bonus categories such as gas and groceries, which changes every quarter so you are never locked into a single category. Enroll each quarter and watch your earnings grow with this generous bonus cash back feature.

As if one of our favorite credit cards couldn’t get better, Chase Freedom has an limited-time offer to earn even more cash. Cardholders can earn $200 bonus cashback after making $500 in purchases in the first 3 months—and that’s just the start of your rewards-earning opportunities.

The Chase Freedom is one of the best, well-rounded cards you can get with good credit, hands down. So get your hands on the Chase Freedom, your new go-to credit card.

Why we recommend it...

The Capital One Cash card is a great choice for good credit consumers who appreciate a card with a straightforward, simple rewards program.

Capital One Cash offers a one-time $100 bonus for new cardholders after you spend $500 in the first 3 months. You also receive 1% cash back on all purchases, and a 50% bonus on the cash back you earn every year. With no limit or expiration on the cash you earn, cardholders can even set up automatic redemption on cash back earnings, making it even easier to redeem your rewards.

Capital One Cash also offers a 0% intro APR until December 2012. In addition to the great rewards program, you can personalize your card with an image of your choice, and most importantly there is no annual fee. If you’re looking to take advantage of your good credit standing, the Capital One Cash card is a great card with simple cash back rewards.

Why we recommend it...

If you’re looking for a simple but powerful credit card, Citi Platinum Select MasterCard is an excellent-credit worthy card available in the good credit score range! It’s a no-frills card with an excellent intro APR offer, and a low interest rate especially for good credit consumers.

Citi Platinum Select offers 0% intro APR on balance transfers and purchases for 18 months, which resets to an interest rate as low as 11.99% interest after the intro period. This generous offers makes this card ideal for carrying large balance transfers and monthly balances, while saving hundreds if not thousands of dollars on interest. This card is key to saving money in the long term on your credit card purchases. The card also has no annual fee, and offers Citi-exclusive benefits like Extra Cash, Citi Identity Theft Solutions, $0 Liability, and more.

With good credit, Citi Platinum Select is excellent for saving money, while scoring extra benefits, every time you swipe.

Why we recommend it...

The Capital One® Venture Rewards card offers an easy-to-navigate program for consumers with excellent credit looking to earn rewards faster and with greater flexibility.

Cardholders earn two miles per dollar on every purchase, every day. There’s also a one-time 10,000 mile bonus when you spend $1,000 in the first three months. You never have to worry about blackout dates, seat restrictions, or being limited to specific carriers to redeem your miles. The first year’s fees are waived and there is never a foreign transaction fee.

The Capital One Venture Rewards card provides exclusive award-winning customer service and Visa Signature benefits like complimentary concierge and travel upgrades. The Venture Rewards card is the perfect choice for those with excellent credit looking to reap the benefits of their good credit standing.