Your Cheat Sheet for the Best Credit Cards on the Market

Written By Jeff Hindenach
Last updated April 21, 2021

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October 5, 2016

Simple. Thrifty. Living.


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Shopping around for the right credit card can be a headache. In order to find the right card or cards for you, you’ll need to consider everything from your current credit to your desired rewards to the amount of money you want available on your credit line. And in the midst of all of this, you mustn’t forget to read the fine print. We’ve taken the hassle out of deciding on a credit card by scouring the internet and finding the best cards available regardless of your needs and personal circumstances. We’ll help you find just what you are looking for.

It’s difficult, and frankly not our place, to decide which card is best, as “best” depends a lot on the cardholder’s desires and personal situation. The card that works perfectly for one person might be less-than-ideal for another. Do you want airline credit? Rewards? Cash back? It’s all a matter of personal preference. So, in short, if you want to know which credit card perk is best, take a look at our lists. Find a category that interests you and fits your needs, and select a card beneath that heading. We would love to hear which one you chose. There’s a chance it’s not even on our list.

So your credit isn’t top-notch. No problem. There’s still a credit card for you. Take a look at some of these options. Here is a full list of the best credit cards for people with fair credit.

Your credit is subpar at best. Not to worry. You’re not completely out of luck when it comes to qualifying for a credit card. Here is a full list of the best credit cards for people with bad credit.

If you find yourself searching for a credit card for bad credit, you might want to see if there is an easy way to boost your credit score before you commit to a card. Look for mistakes on your credit report, or hire one of the top credit repair companies to help you raise your score.

Are you a poor college student struggling to make ends meet? You can still build credit, and even get extra perks for being a student. Take advantage of one of these offers, because starting early is key to building credit. Come time to buy your first home or car, you’ll be glad you’ve built some credit. Here is a full list of the best credit cards for students.

Who doesn’t love getting cash back? Here are some of our favorite cash back credit cards.

If you’re always in the air, you may as well get a card that supports your lifestyle. Whether you fly for business or just for fun, you’ll be glad to have a credit card that gives back. Here is a full list of the best travel rewards credit cards.

If you own a business, you’ll need a business credit card for purchases made by the company. Here are some great options for business credit cards with amazing benefits.

If you’re looking to put up your feet after a long flight, it’s best to do so knowing you have a card that’s supporting you even better than that extra-firm hotel mattress. Here is a full list of the best travel rewards credit cards.

Most credit cards are unsecured cards. It simply means that no deposit is required as collateral if you forget to pay. Instead, your rates will just go up. So if you have a habit of spending more money than you have in the bank, an unsecured card probably isn’t the best choice for you. Most of the cards we have already listed are unsecured cards, so browse our other lists to find the best unsecured card for your needs.

If you have bad credit or no credit, a secured card is the kind of card for you. You’ll need to make a deposit typically equal to the card’s credit limit. If you don’t pay off your balance, it will come from your deposit. This allows card issuers to take a risk on a less reliable borrower.

Here’s a good list of the best secured credit cards. 

There are a number of “instant approval credit cards” that are typically approved within 60 seconds.

Emporium Black Card

  • Up to $5,000 spending limit in less than 60 seconds. Shop from more than 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than perfect credit accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 months same as cash
  • 50 percent  early payoff discount
  • No hidden fees
  • Return at any time

Fingerhut Credit Account

  • Shop more than 630,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments with a WebBank/Fingerhut credit account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut credit account with promo code NC787
  • If you apply and are accepted for a Fingerhut credit account issued by WebBank, who determines eligibility and qualifications for the terms of credit

Horizon Gold Card

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • Zero percent APR

We hope this list has helped you pick a card that is right for you. Now get out there and build some good credit.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

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