It's among the most accessible and user-friendly cards for those with average credit. There's no upgrade path, though, and if what you really have is poor credit, you won't qualify.

Image credit: Sony Interactive Entertainment ... or maybe finally fighting back on Super Earth itself.

It earns eye-popping rates at some of the biggest brands in America, including Amazon, Target and Walmart, plus 3% back in other popular categories. But there's a rewards cap and an annual fee ...