intro purchase APR no intro offerregular APR26.99% (V)
rewards intro 10c/gallon for 60 days 
fair credit required

no annual fee

not a major card

Chevron and Texaco gas stations use only

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intro purchase APR no intro offerregular APR12.00 - 21.00% (V)
rewards 2c/gallon rebates 
bad credit required

no annual fee

not a major card - you can use it at Marathon stations only

good for rebuilding credit

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intro purchase APR no intro offerregular APR12.00% (V)
intro BT APR n/a no BT fee
bad credit / no credit required

no annual fee

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intro purchase APR no intro offerregular APR10.40% to 20.40%*
intro BT APR no intro offer 3% BT fee
bad credit / no credit required

Best for members rebuilding or establishing credit

It's a real credit card — not a debit or prepaid card.

Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

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Choosing the Best First Credit Card

Every consumer must start out with one credit card or another. Unfortunately, no single option is the perfect first credit card for everyone. Financial situations and personal circumstances vary from person to person after all. 

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intro purchase APR 0% for 15 monthsregular APR10.74 - 21.74% (V)
intro BT APR 0% for 15 months 3% BT fee min $10
rewards 1, 2, or 5% on $1 +10-25% bonus
  • earn 5% back on gas and grocery with a $6.000 annual limit (2% then)
  • 1% on all purchases
  • 10-25% bonus on your cash back when redeemed electronically on your SanTrust checking account
excellent required

no annual fee

2-5% cash back on gas and groceries

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intro purchase APR no intro offerregular APR10.99 - 19.99% (V)
intro BT APR 0% for 18 months 3% min $5
rewards 4 points per $1 + points on balance
  • 4 points per dollar on purchases
  • 100 points for every $1 of interest charged by bank on your balance with a balance more than $1,500
  • 100 points for every $2 of interest charged by bank on your balance with a balance between $500- $1,500

 

good credit required

no annual fee

low APR

intro BT APR

points for carrying a balance

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intro purchase APR 0% for 12 monthsregular APR12.49 - 22.49% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 4 points/$1 +25-75% points bonus
  • get 4 points for every $1 spent
  • earn 25-75% bonus in points if you have a checking account with PNC

 

 

excellent required

no annual fee

4 points per dollar

low points value

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intro purchase APR no intro offerregular APR13.49 - 22.49% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1.25% 1.5% 1.75% 
  • earn 1.25% cash back if you spent up to $2,000 a month
  • 1.5% if you spent $2,000-$4,000 a month or have a PNC Performance checking account
  • 1.75% if you spent more than $4,000 or have a PNC Performance Select checking account

 

excellent required

no annual fee

1.25%-1.75 cash back rate

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intro purchase APR no intro offerregular APR14.49 - 23.49% (V)
intro BT APR 14.49-23.49% 3% BT fee $5 min
rewards 1x 2x 3x on every dollar 
  • earn 3x points on Harley-Davidson purchases
  • 2x points on gas, restaurants, bars and accommodation
  • 1x everywhere else
  • get $10 certificate after receiving a card

 

good credit required

no annual fee

Harley-Davidson logo on a card

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