Which credit card is best: bad credit, low interest and cash back options!

Which credit card is best: check the TOP 5 best credit cards that you can apply for online and get approved today, with step by step!


We made a selection of some of the best credit cards that can be applied for online and easily approved, including options for not-so-great credit history folks!

How to apply for the Discover It Balance Transfer Credit Card Learn how to apply for the Discover It Balance Transfer credit card and enjoy a 18 month 0% APR period to reduce your debt!

Check it out and choose yours! You’ll see:


  1. Discover It Balance
  2. Petal 1 No Annual Fee Visa
  3. Wells Fargo Reflect Card
  4. Citi Custom Cash
  5. Chime Credit Builder

Best Credit Cards of 2022

How to apply for the Discover It Balance Transfer Credit Card

Best credit card: Discover It Balance

The Discover It Balance is a credit card to which you can transfer your balances, consolidating your debt at a lower interest rate and for easier payment, cleaning your name.


  • Consolidate your debt into monthly payments.
  • Save on interests.
  • “Clean up” your credit history with the credit bureaus.
  • Raise your credit score.

Best credit card of 2022: Petal 1 No Annual Fee Visa

The Petal 1 Visa credit card is a great option for people with not-so-good credit or that are just starting their credit history, as it helps you build it up.

  • $0 annual fee.
  • Initial credit limit of $300-5,000.
  • 2% – 10% cash back at select merchants.
  • No foreign transaction fees.
  • Issued by WebBank (FDIC).
  • Easy approval.
  • Visa benefits.

Application for the Petal 1 Visa credit card can be done online and you get approved even with a bad credit! Take a shot!

Wells Fargo Reflect Card

Another great option for no annual fee credit card is the Wells Fargo Reflect Card, that also offers a 18 month period of 0% APR and low interests overall:

  • Visa Gold or Platinum benefits.
  • No annual fee.
  • 0% APR (18 months period + 3 month extension.)
  • 15.24-27.24% APR (according to creditworthiness).
  • Cell phone protection ($600).
  • My Wells Fargo Deals and Visa discounts.
  • Allows balance transfers.

Apply for the Wells Fargo Reflect Card online, clicking here, and get approved today!

Citi Custom Cash

The Citi Custom Cash card stands out as a cash back reward credit card that earns you 5% cash back, and here’s how it works:

  • 5% cash back on your highest spending category up to $500 (and 1% thereafter).
  • 1% cashback on all other purchases.
  • Eligible categories: gas, restaurants, grocery, travel, streaming services, drugstores, gyms etc.
  • $200 cash back after spending $750 on the first 3 months.
  • 0% intro APR period (15 months – balance transfers and purchases).
  • Low APR: 16.24-26.24%.

Learn more about the Citi Custom Cash card and apply online by clicking here.

Best credit cards of 2022: Chime Credit Builder

Chime Credit Builder is, as its name suggests, a great option to start rebuilding your credit score, with no annual fee and no credit check to apply.

  • Best option for bad credit (no credit check).
  • No annual fee.
  • Security deposit not required.
  • Raises your credit score.
  • Visa benefits.

Check Chime’s Credit Builder credit card and start your credit journey with a pre-approved credit card that is available for you even if you have bad credit!

If you have some or a lot of debt right now, you might want to consider consolidating it, so you can raise your credit score and have access to better credit options.

So, make sure to check our full review on the Discover It Balance and check out all the details, learn how to apply and get approved today!

How to apply for the Discover It Balance Transfer Credit Card