Top Credit Cards of 2026
The best credit card is one that's best aligned with your specific needs. Our experts have reviewed and rated hundreds of options — from generous rewards and giant sign-up bonuses to long 0% APR periods and credit-building help — so you can find the perfect fit for 2026.
Top Picks
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
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- No security deposit
- Free Access to your Credit Score† *See Program Terms for important information about the cash back rewards program. ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Annual Fee
$595
Credit Needed
Good/Excellent
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
20.49% - 28.49% (Variable)
Intro Offer
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
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- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)
Credit Needed
None/Poor
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
27.49% Variable (As of 1/1/2026)
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
- No credit check
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- No hard inquiry
- $100 minimum security deposit* *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Fair
Foreign Fee
1% of each transaction in U.S. dollars.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
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- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Bank of America
Annual Fee
$95
Credit Needed
Excellent/Good
Rewards Rate
2 points for every $1 spent on travel and dining purchases
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 27.49% Variable APR on purchases and balance transfers
Intro Offer
60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
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- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
WebBank
Annual Fee
As low as $99
Credit Needed
Fair/Poor
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
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- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information *See Program Terms for important information about the cash back rewards program. **Zero liability subject to Visa’s Zero Liability Policy.
Synovus Bank
Annual Fee
$29.00
Credit Needed
Poor/Limited/No Credit
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.49% (V)
- Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- Apply with no impact to your credit!2
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
Citi
Annual Fee
$0
Credit Needed
Good/Excellent
Foreign Fee
3%
Purchase APR
0% 15 months on Purchases
Balance Transfer
0% 15 months on Balance Transfers
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
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- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Poor to Good
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, and a path to better credit.
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- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- An unsecured card great for everyday purchases
Cross River Bank
Annual Fee
$0
Credit Needed
Excellent, Good, Fair, Average
Foreign Fee
Up to 3%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
14.99% - 29.99% APR
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
- 1.5% unlimited cash back on every purchase
- No annual fee
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- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy