Shop, compare, and find the best credit card for you

From low interest rates to extravagant travel rewards, we’ve picked the cards we think stand out from the competition. Compare the cards below to find the one that best suits your individual needs.

First Access Visa Card

First Access Visa® Card

Expedited Processing

Receive your card faster with optional Expedited Processing (additional fees apply)

Builds Your Credit

First Access reports to all major credit reporting agencies monthly.

Perfect Credit Not Required

First Access doesn’t require perfect credit for approval and may approve you when others won’t.
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  • Easy and secure online application
  • Get a result in as little as 60 seconds upon completion of the online application
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • $300 credit limit (subject to available credit)
  • Online Customer Center available 24 x 7
  • Checking account required
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Merit Platinum Credit Card

Merit Platinum

$750 Guaranteed* Credit Limit

Bad credit or no history at all? You are still eligible to receive a $750 credit line with Merit Platinum

Builds Your Credit

Merit Platinum reports to a Major Credit Bureau (Equifax)

No Credit Or Employment Check

Merit Platinum card is intended for people with less than perfect credit and does not perform credit checks
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  • The merit platinum card is intended for people with less than perfect credit. We do not check your credit report so even if you have bad credit or no history at all, you are still eligible to receive a $750 credit line with Merit Platinum.
  • $750 Guaranteed* Credit Limit
  • Merit Platinum reports to Major Bureau (Equifax)
  • No Credit or Employment Check
  • Must be 18+ and US Resident
go2bank credit card

GO2bank

Overdraft Protection

GO2bank helps customers with unexpected overdrafts with up to $200 of protection.

Unparalleled Savings

At over 10x the national savings rate, GO2bank’s high-yield savings account helps customers grow their money faster.

More Rewards

Earn up to 7 percent cash back when you buy eGift Cards in the app from a broad selection of popular retailers, meaning more cash in your account.
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Key Product Features: GO2bank was developed to support two out of every three Americans living paycheck to paycheck, helping them get their money quickly, stretch their money further, and build a stronger financial foundation for life.

Overdraft Protection: GO2bank helps customers with unexpected overdrafts with up to $200 of protection (with opt-in and eligible direct deposit) and can get them out of payday loans.

Unparalleled Saving: At over 10x the national savings rate, GO2bank’s high-yield savings account helps customers grow their money faster.

More Rewards = More Cash In Your Wallet: Earn up to 7 percent cash back when you buy eGift Cards in the app from a broad selection of popular retailers, meaning more cash in your account.

Security and Peace of Mind: Unlike many mobile bank accounts offered by fintech companies, WE are the issuing bank for your account. GO2bank doesn’t keep your money with another bank you’ve never heard of.

Faster Access To Money: GO2bank can move money faster, offering access to paychecks as much as two days early for customers who truly need to get paid and make payments sooner. We call it ASAP Direct Deposit™

No Monthly Fees With Eligible Direct Deposit: Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement cycle. Otherwise $5 per month.

Build and Improve Credit Faster: For GO2bank account holders, our Secured Credit Card has no credit check and no annual fee, giving more customers the opportunity to build credit, regardless of credit history or income.

GO2bank is designed to be a foundational bank account where customers can manage their money, build savings, establish credit, and ultimately expand access to other financial services they’ve previously had limited access to.

Extra Credit Card

Extra Credit

Earn Points Everywhere

Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills. Spend your points on AirPods to gift cards in our rewards store.

Builds Your Credit

Build Your Credit with a Debit Card! Extra is the first debit card that builds credit and earns rewards points just like a credit card.

No Credit Needed

No credit check required to start, just connect to your bank account and start building your credit!
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  • Every purchase builds your credit
  • 0% Interest
  • Connects with your bank account
  • Earn Rewards Points Everywhere. Earn up to 1% in points for everyday purchases like rideshares, coffees, and your phone bills
  • 24/7 premium support
  • Plans starting at $7 per month! (based on annual subscription)

Other plans:

  • $8 per month for Credit Building
  • $12 per month for Credit Building + Rewards
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Important Disclosure. Please Read Carefully.
MyUSAFinance is not a lender and does not make credit decisions. MyUSAFinance.com connects interested persons with a lender from its network of approved lenders. MyUSAFinance.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. MyUSAFinance.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to MyUSAFinance.com, you are giving lenders in MyUSAFinance.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. MyUSAFinance.com receives compensation from its lenders based on advertising services. MyUSAFinance.com is a free service and will never charge a fee to be connected to a lender.
Representative Example
If you borrow $5,000 and the loan had an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.
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Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.