A basic card for people who have below-average credit and/or don't care about rewards.
Issuer
Capital One
Capital One
Network
Mastercard
Mastercard
Credit Score Required
Below Average (580-669)
Below Average (580-669)
X
Pros
- No annual fee.
- No foreign transaction fees.
Cons
- No ongoing rewards.
- No early spend bonus.
- High APR.
Rewards & Perks
- This credit card has no notable rewards.
Rates & Fees
- No annual fee.
- APR for purchases and BTs: 25.99%.
- No foreign transaction fees.
Total savings over 5 years: $0
A good cash back card (1-1.25%) for students who don't have many other options due to their thin credit history, with no annual fee, but also no early spend bonus.
Issuer
Capital One
Capital One
Network
Visa
Visa
Credit Score Required
Below Average (580-669)
Below Average (580-669)
X
Pros
- If you have a poor to average credit score, this is one of your best options for a rewards credit card.
- 1% cash back on all your purchases.
- Pay on time to boost your cash back to a total of 1.25% for that month.
- $60 streaming subscription credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. (Exclusions apply.)
- No annual fee.
- No foreign transaction fees.
Cons
- There are several cards with higher cash back rates (if you have good or excellent credit).
- No early spend bonus.
- High APR.
Rewards & Perks
- 1% cash back on all purchases.
- Pay on time to boost your cash back to a total of 1.25% for that month.
- $60 streaming subscription credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. (Exclusions apply.)
Rates & Fees
- No annual fee.
- APR for purchases and balance transfers: 25.99%.
- No foreign transaction fees.
Total savings over 5 years: $0