Credit One

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Designed to give card members perks like cash-back rewards and free credit score tracking, Credit One’s products offer value supported by effective customer service. You might be able to get prequalified for Credit One’s new Platinum Visa in less than a minute. If you qualify for this card, you’ll get your free credit score every month, account alerts via email or text, fraud protection, and 1 percent cash back. The NASCAR Visa allows you to earn double that cash-back award if you shop at the Superstore.

Credit One also provides credit cards to people with less-than-stellar credit — and because the bank reports monthly to the major credit agencies, it can help boost your credit score significantly if you pay your bill on time every month.