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If you have a limited credit history or bad credit, but still want a cash back card with no annual fee that offers excellent rewards, you’re in luck.

Discover it Secured Card is available to those with current or past credit issues, but it’s packed full of the same cash back rewards that those with good credit would receive.

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Cardholders will also enjoy a 12-month 0% intro APR on purchases and balance transfers (there is a 5% balance transfer fee).

This card does require excellent credit, so if you have a ding or two on your credit report consider the Capital One Spark Cash for Business which is available to those with just good credit, offers a $500 bonus and features 2% back on all purchases.

Updated: January 11, 2018 It’s that time of year again — time to reevaluate the credit cards you have in your wallet.

While you may already own some top-notch cards, there are likely a number of better options on the market.

You’ll earn an ongoing 2% back at restaurants and gas stations (on up to $1,000 in combined purchases each quarter, then it’s 1%), and 1% back on all other purchases.

Last modified 07-Sep-2017 01:04