Credit cards sorted by approval tier. Click any card to apply on the issuer’s own page.
💎 The board and the analyzer are free forever — no signup, no limits, nothing uploads.
Tiers reflect where approvals come back with usable limits.
⚠️ Every application is a hard inquiry — a few points each, two years on your report.
Fits are editorial estimates, never pre-approval or a guarantee. Only the issuer decides.
Not affiliated with, endorsed by, sponsored by, or authorized by any card issuer. All product names and marks are the property of their respective owners and appear for identification only. Instant Capital is an independent editorial reference — not a lender, broker, or credit-repair organization.
Paste the customer’s entire Credit Sesame page — or just type the basics the way you’d say them (“amex gold 0/6000, us bank shield 2000/8000, 1 derog, score 645”). Hit Analyze. The engine reads score, utilization, limits, inquiries, bankruptcies, freezes and more — then ranks the five strongest fits from the board, with the typical approved profile for each.
Credit Sesame data comes from TransUnion — issuers often pull a different bureau, and scores can differ between them. Matches below show each issuer's typical pull so you know which report matters (and which freeze to lift).
Editorial estimates only — not a pre-approval, not a prequalification, not an offer of credit, and never a guarantee; every decision belongs to the issuer alone. Not financial advice. Analysis runs entirely in this browser; customer data never leaves the device. Applicants 21+ may include household income they can reasonably access (Reg Z §1026.51); most major issuers accept individual applications only — U.S. Bank still allows true co-applicants.
Log what you applied for, when you applied, and how it turned out. Everything below is worked out on your own device from what you type. There is no account, nothing is uploaded, and nothing here is a prediction — it is a record of what you tell it.
Saved in this browser only. Clearing your browsing data clears the log, so export a copy if it matters to you. Nothing you type here is ever sent anywhere — how that works.
The board, the tiers, the rates table and the Credit Profile Analyzer are free to everyone, forever — and membership never changes what you see, which cards appear, or where any card ranks. All it does is lift the four-application cap on your own log.
$74.95 once. Nothing renews.
Full refund within 14 days, no questions asked. Your key arrives by email. Purchase terms
What a membership is — and isn’t. It is a record-keeping tool for applications you have already made. It does not improve, repair, or affect your credit; it does not contact any bureau, issuer or lender on your behalf; and it does not provide advice about obtaining credit. The card board, the tier rankings and the Credit Profile Analyzer are free to everyone, member or not, and no card can pay or subscribe its way to a better position. Every feature listed under Free and Lifetime is live on this page today — we do not sell anything that has not shipped. Lifetime is a single payment with no renewal. Price in USD.
Everything on this site — the full board, the tiers, the analyzer — is free to every visitor, always. A Teams plan never buys credit advice. It buys the software around it: your floor's name on the experience, a code your clients enter, and the tools that make a desk run.
What a Teams plan is — and isn't. Plans are sold to businesses only (legal entity + EIN required) and are billed to the business, never to a consumer. They buy software conveniences: branding, floor codes, seats, and support. They do not buy rankings, placement, or credit advice — those are free to everyone, and no card on this board can pay or subscribe its way to a better position.
As of August 5, 2026. APRs are variable ranges set solely by each issuer and depend on creditworthiness. Terms change frequently — always verify current rates, fees, and offers on the issuer's official application page before applying.
| Card | Issuer | APR | Annual fee | Intro APR |
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