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What Are The Best Credit Cards for Bad Credit of 2018?

We ruled out dozens of subpar options to find the 5 that offered the best value for applicants with poor credit. We concluded that the Discover it® Secured is the best credit card for people with bad credit because it lets you earn rare high rewards while you rebuild your credit. People with different needs, like anyone interested in getting the best terms for carrying a balance or the lowest security deposit requirement, should see our other picks below. None of our selections charge an annual fee, which means they won't add another financial stress.

Top Credit Cards For Bad Credit

Best ForAnnual Fee
Discover it® SecuredBest For Most$0
Savings Secured Visa Platinum CardPeople Who Carry A Balance$0
Discover it® Student Cash BackStudents$0
Capital One® Secured Mastercard®A Low Deposit Requirement$0
AeroMexico Visa Secured CardAirline Miles$25

Top Credit Cards For Bad Credit

Best For
Discover it® SecuredBest For Most
Savings Secured Visa Platinum CardPeople Who Carry A Balance
Discover it® Student Cash BackStudents
Capital One® Secured Mastercard®A Low Deposit Requirement
AeroMexico Visa Secured CardAirline Miles

All of the cards listed above rank among the best for rebuilding your credit and we share the rationale and low APRs below to prove it. We've also created a unique card comparison tool that allows you to see which card would earn you the highest rewards. Our helpful guide will also explain the traps and pitfalls you need to avoid in a card intended to assist you in rebuilding your credit.

Table of Contents

In-Depth Reviews of the Best Credit Cards for Bad Credit

Below we'll outline our rationale for why each of these cards deserves a spot on our list of the best credit card for bad credit. We also highlight the unique benefits each card offers to people on a mission for a credit makeover, like low APRs and affordable security deposit requirements.

Best Overall Credit Card for Bad Credit: Discover it® Secured

Annual Fee
$0
Purchase APR
24.74% Variable
Credit Needed Please refer to issuer's website
Details
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

The Discover it® Secured is the best card for applicants with bad credit for two reasons: it allows you to rebuild your credit and it simultaneously offers the most lucrative cash back rewards among secured cards. Currently, the card offers users an above average 2% cash back on purchases at restaurants or gas stations, on up to $1,000 each quarter. This is an outstanding cash back rate on par with rewards from leading cash back cards for excellent credit (up to the quarterly limit).

We also consider the Discover it® Secured to have more potential than other secured cards to earn higher rewards in the long-term. That's because after your account has been open for eight months and you've shown financial responsibility by making regular payments, Discover will consider upgrading you to an unsecured card. While this is a common feature of several secured cards, Discover's unsecured cash back cards consistently rank as some of the best. The Discover it® Secured requires a minimum refundable deposit of at least $200, but this figure is in line with the requirements set forth by most other secured credit cards.

Best Credit Card for Bad Credit with Low APR: Savings Secured Visa Platinum Card

Annual Fee
No Annual Fee
Purchase APR
8.74% - 16.74% Variable
Credit Needed Poor
Details
  • Earn 1 Flexpoint reward for each dollar you spend
  • No foreign transaction fees and no income verification
  • 25-day grace period on purchases
  • No annual fees or balance transfer fees
  • Credit lines starting as low as $250
  • Lost luggage reimbursement and travel assistance services
  • Auto rental collision damage waiver

The Savings Secured Visa Platinum Card is our top choice for applicants with bad credit scores who carry a balance from month to month because it offers the most competitive APR among secured cards at 13.49%. It's quite common for cards for people with limited credit histories to have APRs that exceed 20%, making the Savings Secured Visa Platinum Card an easy choice for people who want to save money on credit card interest. In fact, even cards targeted towards applicants with excellent credit scores will have higher APRs.

The Savings Secured Visa Platinum Card also waives balance transfer fees, which can save you hundreds of dollars when you consider competitors typically charge a fee of 3% to 5% of the amount you're transferring over. For most people, applying for the card will require a low one-time fee of $15 to become a lifetime member of the American Consumer organization, which makes you eligible to apply. That's quite the value proposition when you consider the high number of secured cards plagued with annual fees, which often exceed this amount.

Best Credit Card for Students With A Limited Credit History: Discover it® Student Cash Back

Annual Fee
$0
Purchase APR
14.74% - 23.74% Variable
Credit Needed Fair
Details
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

The Discover it® Student Cash Back is the best pick for students that lack a credit history because it's relatively easy to qualify for and it offers an industry-leading rewards rate. The excellent 5% cash back in rotating categories you'll earn with the Discover it® Student Cash Back rivals the cash back rates offered by top cash back cards. While it's true that the 5% cash back rewards are stifled by the quarterly cap, the card also offers a respectable 1% cash back on all other purchases—which is just a notch below the best available cash back rates available for college students. Therefore, it won't take much spending in the card's rotating categories to put you above those other options.

The Discover it® Student Cash Back is currently matching all the cash back students earn during their first year of card membership, which we consider to be one of the best available benefits for people with limited credit. While the Discover it® Student Cash Back lacks a sign-up bonus, the cash back match offered by the card has the potential to be worth significantly more than the sign-up bonus on most student cards.

Best Credit Card For Bad Credit With A Low Security Deposit: Capital One® Secured Mastercard®

Annual Fee
$0
Purchase APR
24.99% (Variable)
Credit Needed Limited, Bad
Details
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Note: The information in this box was provided by Capital One and is not part of our independent analysis.

The Capital One® Secured Mastercard® is our top recommendation for people who don't want to commit a large amount of money to a security deposit to open a secured card. The Capital One® Secured Mastercard® offers oversized credit limits when compared to its required security deposits. For instance, a $49 security deposit could get you a $200 credit line. That's an excellent value when you consider most other secured cards offer cardholders a credit limit that's equal to their security deposit.

Another excellent added benefit of the card is that Capital One may give you access to a higher credit line after making just 5 monthly payments. Competing cards typically don't disclose the time frame for their credit line increases, but we consider 5 months to be on the competitive side. A higher credit line will generally mean a more favorable credit utilization ratio, which leads to a higher credit score. Due to this, this card can be a great aid to helping your repair your credit score.

Best Credit Card For Those With Bad Credit Who Want Miles: AeroMexico Visa Secured Card

Annual Fee
$25
Purchase APR
24.74%
Credit Needed Poor
Details
  • Double miles on gas and groceries
  • One mile per $1 spent on eligible net purchases
  • 3,500 first use bonus miles plus Complimentary Companion Certificate
  • $99 Companion Certificate with renewal
  • Complimentary Baggage

The AeroMexico Visa Secured Card is the best card for people with low credit scores who are interested in earning miles. The card earns a respectable 1% rewards rate for eligible purchases, but the card's $99 companion pass is what makes it stand out. The pass allows cardholders to buy an additional ticket on an AeroMexico airline flight for just $99. This is a feature that's not typically available on cards targeted towards people with bad credit. Currently, an AeroMexico round-trip flight from New York City to Cancun is $671, meaning utilizing the companion pass for this flight would yield an outstanding rewards value of over $550.

Anyone considering applying for this card should be aware that it does have a $25 annual fee. However, assuming you use the companion pass just once, you'll more than make up for that cost. Overall, there are no other cards for people with damaged credit that will offer more miles or benefits than the AeroMexico Visa Secured Card.

Credit Card Comparison Tool

If you have a bad credit score or limited credit history and want tailored card recommendations, take a look at our credit card comparison tool below. Once you click edit you'll be able to input your estimated monthly expenses. Our comparison tool will then list the estimated rewards you'll earn over two years across several different credit cards.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Discover it® Student Cash Back
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 23.74% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.74% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Savings Secured Visa Platinum Card
No Annual Fee 1.00%
$0
$343
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 8.74% - 16.74% Variable

Card Details

  • Earn 1 Flexpoint reward for each dollar you spend
  • No foreign transaction fees and no income verification
  • 25-day grace period on purchases
  • No annual fees or balance transfer fees
  • Credit lines starting as low as $250
  • Lost luggage reimbursement and travel assistance services
  • Auto rental collision damage waiver
AeroMexico Visa Secured Card
$25 1.33%
$35
3,500 First Use Bonus Miles plus Complimentary Companion Certificate
$455
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Bonuses
3,500 x $0.01 = $35
Less Annual Fees -$50
Total Net Estimated Rewards Through 24 Months 455

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $25
APR 24.74%

Card Details

  • Double miles on gas and groceries
  • One mile per $1 spent on eligible net purchases
  • 3,500 first use bonus miles plus Complimentary Companion Certificate
  • $99 Companion Certificate with renewal
  • Complimentary Baggage
Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Wells Fargo Secured Visa® Credit Card
$25 -0.15%
$0
$-50
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $0
0 - $0
Less Annual Fees -$50
Total Net Estimated Rewards Through 24 Months -50

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $25
APR 19.24%

Card Details

  • Reports to all 3 credit bureaus
  • Requires a minimum $300 security deposit
  • Available to both U.S. and temporary residents
  • With responsible use over time, you may be eligible for an upgrade to an unsecured credit card

Choosing The Best Card When You Have Bad Credit

To start, anyone who has a FICO score above 600 shouldn't be searching for a credit card for people with bad credit. A FICO score of at least 600 qualifies you to get a card in the next tier up. This could lead to higher rewards rates, more miles, or lower interest rates, depending on what exactly you're searching for in a card.

College students who have a limited credit history will have more options available to them than someone who isn't a student and has the same credit or worse. That's because there are several credit cards that are targeted specifically towards establishing relationships with college students after graduation. We recommend students to apply to these types of cards since they offer higher rewards than secured cards and have less stringent requirements than the top cards.

Most people with bad credit will only qualify for a secured card. A secured credit card will generally grant you a credit line that's equivalent to the security deposit you put down. For instance, assuming you put down a $250 deposit, you'd likely be granted a $250 credit limit.

But what's the point of a credit card where you have to provide your own credit line? Well, secured cards offer a method through which you can improve your credit score. Once you make enough on time payments, you'll move on from a secured card to an unsecured card. The security deposit you put down is typically returned to you, given you made on time payments and are in good standing with the credit card issuer.

People with bad credit who carry a balance on their credit card should get a card that offers a low APR. That's because carrying a balance on your credit card is very expensive, which is why lowering your APR should be your first priority. Secured cards often come equipped with high APRs, but there aren't many options for applicants with bad credit. Generally, the best solution is to opt for a secured card from a credit union, as they tend to have lower APRs.

For most people with bad credit, the best option will be a secured card that offers a rewards rate of at least 1%. The card should come without an annual fee and the credit line you're offered should at minimum be equal to the amount of your security deposit. Any card that does have an annual fee should at least offer great rewards to make up for it. The lower the security deposit that's required the better the card is.

The card should also be clear on what your path to an unsecured line of credit will be. In other words, it should state that it reports to major credit bureaus. Without any reporting, your score will not increase.

Some card companies offer credit cards for people with bad credit that don't require a security deposit. We recommend you avoid these offers, as we've examined dozens of these cards and found that they always come with many fees that in the long-run will cost you more than a security deposit. While secured cards return your security deposit once you move on to an unsecured line or close an account in good standing, you more than likely won't be reimbursed for the costly fees on these unsecured cards for people with bad credit.

How We Arrived At Our Recommendations For People With Bad Credit

Our team crunched the numbers on dozens of credit cards that are geared towards people with bad credit. Our analysis helped us arrive at the conclusion that there are several great cards available. The 'best' card will be the one that aligns best with the user's needs. Therefore, we selected five different cards as the best for people with bad credit based on distinct needs and uses. The cards we chose had the highest rewards, great long term value, low security deposits and valuable benefits.

We also took into consideration specific features that are extremely important for someone who is rebuilding their credit. For instance, how long does it take for a cardholder to be considered for an unsecured line of credit? Therefore, while our quantitative analysis was rigorous, there are many factors at play. Lastly, each decision was made by a group of our in-house credit card experts with years of experience.

Factors We Considered

Security Deposit: Most cards for people with bad credit require a minimum security deposit of $200 to $500. Therefore, cards with security deposits less than the lower bound were viewed in a positive light. On the other hand, cards with higher security deposit requirements earned lower marks under our scoring system if they didn't earn cardholders a higher credit line to go along with it.

Credit building. We only considered credit cards that could help cardholders re-build their credit standing. That means we would only recommend cards that report account activity to one of the major credit bureaus—Experian, Equifax or TransUnion.

Rewards Rate: We wanted to recommend cards that helped consumers improve their credit scores while giving them the ability to earn rewards. We determined that even people with bad credit should expect to earn at least a 1% rewards rate. Therefore, we gave preference to cards that met or exceeded this threshold.

Long Term Value: Our selections favored long term utility over short term rewards. Short term rewards in the form of bonuses are great to have, but people with bad credit need ongoing value. We also took into account which cards allowed users to move on to better cards once the credit rebuilding process is complete.

Sign-Up Bonus: Sign-up bonuses for people with bad credit tend to be much less lucrative than those offered to applicants with better credit. Despite this, we deem bonuses to be a nice piece of a card's value proposition. So, while bonuses were considered, they were not typically used as a primary scoring factor.

Fees: All of our top recommended cards either have no annual fees or offer enough rewards to offset its fees. We also considered other types of fees, like foreign transaction fees and balance transfer fees. These types of fees were more critical in certain categories than others. For instance, someone searching for a low APR would likely benefit from the absence of a balance transfer fee.

Other Perks: We carefully read through each card's terms and conditions in order to see if there were any additional perks or benefits that we should be aware of. These were then evaluated accordingly. For instance, some cards offer access to a suite of tools that allow you to track your spending, which can be helpful while rebuilding your credit.

Other Secured Cards To Consider

We did come across some cards worth discussing that missed making it onto our final list of the best credit cards for people with bad credit. The cards below were carefully considered, but ultimately fell short.

Wells Fargo Secured Visa® Credit Card: The Wells Fargo Secured Visa® Credit Card can be a decent pick if you're just interested in improving your credit score and that's it. While other cards offer rewards or low interest rates, the Wells Fargo Secured Visa® Credit Card offers neither. Ultimately, most people would be better off with a card like the Discover it® Secured over the Wells Fargo Secured Visa® Credit Card because at least you'll be earning rewards while repairing your credit score.

USAA® Secured Card Visa Platinum® Card: The USAA® Secured Card Visa Platinum® Card is a strong secured cards for people with bad credit. It currently offers an APR anywhere between 11.65% - 21.65% Variable. However, what holds the card back is that there is no way to know whether you will end up receiving a rate on the lower end or on the higher end. Ultimately, the Savings Secured Visa Platinum Card will be better for most people since you'll know what you're getting before you apply.

Robert Harrow

Robert is a Product Manager at ValuePenguin, covering credit cards and credit card processing. He graduated from Hunter College with a B.A. in Physics and a minor in Mathematics.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.