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| Earns | 5x points on Banana Republic |
| Redeems | 1.0¢ per point when redeeming on Gift Cards |
| Sign on Bonus | Make your first purchase within 90 days and get 15% off |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a credit score between 660 and 719 |
| Earns | 5.3% cash back on Target |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a credit score between 660 and 719 |
| Earns | 1x point on J.Crew |
| Redeems | 5.0¢ per point when redeeming on Cash |
| Sign on Bonus | Get 15% off your first purchase |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a score of at least 660 |
| Earns | 2x points on Nordstrom |
| Redeems | 1.0¢ per point when redeeming on Merchandise |
| Sign on Bonus | This card does not offer a sign up bonus |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a credit score between 660 and 719 |
| Earns | 5x points on Banana Republic |
| Redeems | 1.0¢ per point when redeeming on Gift Cards |
| Sign on Bonus | Make your first purchase within 90 days and get 15% off |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a credit score between 660 and 719 |
| Earns | 2x points on Nordstrom |
| Redeems | 1.0¢ per point when redeeming on Merchandise |
| Sign on Bonus | This card does not offer a sign up bonus |
| Annual Fee | There is no annual fee for this card |
| Credit Needed | You'll most likely need a credit score between 620 and 659 |
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Our mission is simple—we want to empower you to make the best credit card decisions. We've spent thousands of hours researching credit cards, reading the terms and conditions and building our app so that everything is 100% personalized for you. We'll never make a recommendation that we don't think would be of value to you.
Some credit card issuers pay us when you apply for a card through Birch, but we're lucky to work with select banks that share our mission—and it's how we're able to keep Birch 100% free. Unlike other credit card websites, we recommend any credit card—even those that we don't get paid for - as long as it means that you have the best resources to make that financial decision.
At the end of the day we want to be your trusted ally in the credit card world. With your support, we get closer to achieving this vision every single day.
