FFICO.BOT
/ MATCHER

Cards calibrated to tier.

Approval is probabilistic, not deterministic. These are reasonable matches by issuer published guidance — not a guarantee.

DISCOVER
Discover it Secured
•••• 0850
TIER
Poor
ANNUAL FEE
$0
APR
28.24% var
REWARDS
2% gas/dining (cap)

Graduates to unsecured in 7 mo

CAPITAL ONE
Capital One Platinum Secured
•••• 0850
TIER
Poor
ANNUAL FEE
$0
APR
29.99%
REWARDS
—

Deposit as low as $49

PETAL
Petal 2 Visa
•••• 0850
TIER
Fair
ANNUAL FEE
$0
APR
18–32%
REWARDS
1–1.5% cashback

Cashflow underwriting

CAPITAL ONE
Capital One QuicksilverOne
•••• 0850
TIER
Fair
ANNUAL FEE
$39
APR
29.99%
REWARDS
1.5% flat

Auto credit-line review

WELLS FARGO
Wells Fargo Active Cash
•••• 0850
TIER
Good
ANNUAL FEE
$0
APR
20–30% var
REWARDS
2% flat cashback

$200 SUB / 0% intro 15 mo

CHASE
Chase Freedom Unlimited
•••• 0850
TIER
Good
ANNUAL FEE
$0
APR
20–29% var
REWARDS
1.5–5% rotating

Pairs with Sapphire transfers

CHASE
Chase Sapphire Preferred
•••• 0850
TIER
Very Good
ANNUAL FEE
$95
APR
21–28% var
REWARDS
2–5x travel/dining

1.25x portal redemption

AMERICAN EXPRESS
Amex Gold
•••• 0850
TIER
Very Good
ANNUAL FEE
$325
APR
Pay-over-time
REWARDS
4x dining/grocery

$120 dining + $120 Uber credits

CHASE
Chase Sapphire Reserve
•••• 0850
TIER
Exceptional
ANNUAL FEE
$550
APR
22–29% var
REWARDS
3–10x travel

Priority Pass + $300 travel

AMERICAN EXPRESS
Amex Platinum
•••• 0850
TIER
Exceptional
ANNUAL FEE
$695
APR
Pay-over-time
REWARDS
5x flights/hotels

Centurion Lounges + $200 airline

CAPITAL ONE
Capital One Venture X
•••• 0850
TIER
Exceptional
ANNUAL FEE
$395
APR
20–28% var
REWARDS
2–10x travel

$300 portal + 10k anniv miles

U.S. BANK
U.S. Bank Altitude Reserve
•••• 0850
TIER
Exceptional
ANNUAL FEE
$400
APR
22–29% var
REWARDS
3x mobile/travel

1.5x point redemption

DISCLAIMER · Card terms shift constantly. Confirm directly with the issuer before applying. FICO.BOT receives no compensation from any bank listed.