The Perfect Credit Card Is Waiting for You (Here’s How to Find It)

Cash may be king, but life often requires a credit card. Besides the ease and convenience of swiping (responsibly, of course) instead of fishing for bills, paying with a credit card often adds valuable features like fraud protection — which is especially important when buying higher-value items. 

And then there are the perks: some credit cards reward you for shopping, making them worthwhile for racking up benefits just by purchasing your everyday necessities.  

Because of the sheer number of options, finding the perfect credit card for you can be tricky. Luckily, MoneyLion is here to make the process a lot less overwhelming. 

Our trusted partners offer credit cards that suit your interest and preference, financial background, and credit score.

That last bit is important because if you have a below-average credit score, you may have found it very discouraging to try to find a credit card. Thankfully, our partners have options to help you search for the perfect credit card offer — even ones that can be part of a plan to help improve your credit score. So, as you use your card, you could progress to a better financial future. 

Some of the cards on offer also have rewards and cash-back options (because why should those perks only be for those with a certain credit score?). And our partner offers are transparent about interest rates, limits, and any fees.

As an extra perk, if you join MoneyLion WOW, you can earn cash back on select card offers. That means extra dollars in your pocket without lifting a finger!

You’ll find both secured and unsecured credit card offers in our selection: 

• Unsecured cards will be familiar to most: they’re the standard type with qualification requirements and a set limit, and many offer perks and rewards.

• Secured credit cards, on the other hand, require a cash deposit as collateral, which typically equals your credit limit (for example, a $750 deposit gives you a $750 credit limit). They are a bit easier to get for those with lower credit scores.

  • What’s the point of that? The benefit here is that secured cards are great for people looking to help build or rebuild credit, as payment history is reported to credit bureaus. 

And you’ll also find cards in various categories:

• Credit Building: Designed to help improve your credit score with responsible use and timely payments.

• Rewards: Offers points or miles for every dollar spent, which can be redeemed for travel, merchandise, or other perks.

• Cashback: Provides a percentage of your spending back as cash rewards on qualifying purchases.

Still unsure about credit cards and how to pick one that can help you build your credit? Here are some more points to consider. 

Remember, the journey to better credit starts with one positive step, and we’re here to help you move forward.

Ready to pick the right card? See our full selection.