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• Free ID monitoring – We help you spot potential identity theft and give you tips for keeping your personal information safer.
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• Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying.
• Credit card choices – Browse great credit card offers based on your unique credit profile.
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Join more than 100 million members and get all these features, and more, for free. Download the Credit Karma app now.
You have to pay an annual fee but they will help you build your credit
Credit Union of Colorado
Bear Valley Shopping Center, 3100 S Sheridan Blvd
Efficient and helpful
Chime is a new kind of bank account that helps members lead healthier financial lives and automate their savings. How does it do this? By eliminating unnecessary fees and using technology to help its members form healthy financial habits. With Chime, you get a Chime Visa Debit Card and an FDIC bank account that can be managed entirely from your smartphone.
Discover offers a variety of credit cards for everyday shoppers, travelers, students and business owners. The Discover brand is known for customer service and no-annual-fee credit cards. Here are our picks for the best Discover credit cards available from our partners.
Discover cardholders can expect features including:
FeesNo annual feeNo foreign transaction feesNo overlimit feeNo penalty APR and no fee on your first late payment (up to $40 after)Security$0 fraud liability for unauthorized purchases24/7 account monitoringFree credit activity and Social Security Number fraud alertsDiscover Freeze it® account lockFree overnight card delivery by request if lost or stolenCustomer serviceU.S.-based customer serviceFree FICO® Credit ScorecardYear-end spending summaryRecurring charges dashboard
The Upgrade Card is not a traditional credit card. It is a personal line of credit with a limit of $500 to $50,000, depending on each applicant’s creditworthiness, that you can access with a VISA card. The biggest differences between the Upgrade Card and a traditional credit card are in terms of how billing and payments are handled.
With the Upgrade Card, each month’s balance is divided into equal monthly payment amounts, giving cardholders a clear sense of how long it will take to repay the purchase as well as forcing them to do it faster and at less of a cost compared to a traditional credit card’s minimum monthly payments. Repayment periods for Upgrade cardholders range from 24 months to 60 months, depending on creditworthiness, the amount of the balance and other factors.
Upgrade Card Review Highlights:Credit limit of $500 - $50,000Nearly all Upgrade Card applicants who are approved for an account will receive a credit limit below $20,000, and most will get a limit much lower than that. The amount you’re approved to borrow depends on your credit history, income and existing debt. And to even have a chance at a limit as high as $50,000 requires enrollment in autopay.$0 annual feeThe Upgrade Card’s $0 annual fee saves cardholders about $19.49 per year compared to the average credit card offer. Not having to pay an annual fee is ideal for building credit, too.APR of 6.99% to 29.99%The Upgrade Card’s interest rate depends on your overall creditworthiness. For comparison, the average APR among credit cards for people with fair credit is about 23.43%, according to WalletHub’s research, and the average for excellent credit is roughly 13.03%.No rewardsThe Upgrade Card’s lack of rewards means it is not the best option for making everyday purchases and paying them off by the due date. Interest won’t apply to such purchases, so a card that emphasizes rewards over financing is a better bet.Balance transfers and cash advances not allowedThe Upgrade Card won’t help you pay down existing debt at a reduced rate or withdraw cash from an ATM. That shouldn’t be a deal-breaker, though. You’re unlikely to qualify for a good balance transfer credit card until you have good credit, and cash advances are very expensive transactions that consumers should avoid whenever possible. Besides, the Upgrade Card allows you to send funds to your bank account without penalty.0% foreign transaction feeUsing the Upgrade Card to make international purchases, whether you’re traveling abroad or buying things from foreign merchants online without leaving the country, won’t cost you extra.Fair credit or better needed for approvalYou can get a sense of your Upgrade Card approval odds by checking your latest credit score for free on WalletHub. Upgrade also allows potential applicants to check for prequalification with no credit-score impact.
Lexington Law suggests that most of its clients see significant results within four months of using its service. Here are a few other benefits to using Lexington Law’s credit repair service:
Friends and family discount. Receive a 50% discount off your initial setup fee if you sign up a friend or family member within 72 hours of your own sign up.Tiered service. You can choose between three different tiers of service, depending on your budget and credit repair needs.Free credit reports. Receive access to your credit reports with Lexington Law’s free credit consultation.
Sable offers both debit cards and secured credit cards.
Your Sable One Secured Card, which is tied to your secured account, is issued by Mastercard and serves as your credit card. This card can be used anywhere Mastercard is accepted.
The debit card, which is tied to your "Checking" account, is a Debit Mastercard. You may use this card to withdraw cash at ATMs and for purchases everywhere Mastercard is accepted.
The Petal 2 Visa® Credit Card is one of the best starter credit cards available to people with limited or no credit history. With $0 fees across the board, rewards equal to 1 - 1.5% cash back on all purchases, and monthly credit-bureau reporting, the Petal 2 Visa Card has all the ingredients needed to grow a good credit score and take a newcomer’s finances from seed to sprout to full bloom.
Getting approved for the Petal 2 Card shouldn’t be too difficult, even for young people with limited or no credit experience. The card’s main requirements are that an applicant must be at least 18 years old and a legal U.S. resident with a Social Security number or Individual Taxpayer Identification Number and enough income or assets to afford monthly bill payments, in light of existing financial obligations.
The key to making the Petal 2 Visa Card pay off is to pay the full statement balance owed by each due date. On-time payments will make the card more rewarding over time. And by paying in full, you can avoid the card’s potentially high interest rate.
Planning for a wedding? Buying a home? Paying back the debt? Esusu Savings is a surefire way to reach your goals and build your financial future.
Esusu savings app is a digital platform that helps you save and build credit.
*Start saving, together - Most people struggle to meet their saving and personal finance goals. Esusu savings app builds the accountability, community, and systems you need to save more.
*Cashflow, made simple - Almost 50% of American adults have less than $400 in savings for an emergency situation. Esusu allows you to manage and plan your most important purchases no matter what happens.
*Build credit, now - By simply participating in an Esusu savings group you can boost your credit score. Esusu shares your data from each group with credit bureaus to enhance your credit score.
Download our app to form groups of trusted friends and family, pool money together, and takes turns receiving a payout to meet your financial needs all while building credit and financial identity.
Sallie Mae has rolled out a brand-new slate of credit cards to students and recent grads – many of whom still owe money for their college educations. We took a closer look at what sets them apart from other cards designed for students and grads, and how they stack up against the competition.
The three credit cards – dubbed Ignite, Accelerate and Evolve – are now accepting applications. In addition to the rewards and perks these cards offer, Ignite and Accelerate cardholders are automatically entered to win $10,000 to pay down their student loans, as part of Sallie Mae’s “Swipe Away $10K Sweepstakes.”
The Assent Platinum 0% Intro Rate Mastercard Secured Card offers a slew of great features not typically found with secured cards. Cardholders enjoy six months of zero interest on purchases with an exceptionally low APR after that. Add to that the features and protections of a full-fledged Mastercard and regular reporting to the major credit bureaus, and you have a versatile tool for building credit.
Ideal for Those Who:Have poor credit, limited credit, or no credit history at allWant a card that reports to the three major credit bureaus regularlyWant 24/7 online access to their card accountHave at least $200 for a refundable depositWant both 0% intro APR on purchases and a great low rate after that
Oportun is an online and storefront lender that markets its loans to people with no credit history. The company says that its loans can be used for expenses like auto repairs and emergencies. And since Oportun reports payments to two of the three major consumer credit bureaus, its loans may help you build your credit history.
Oportun also offers auto loans as well as financial coaching to help you meet your financial goals.
You may get approved with no credit historyWhile applying for a personal loan with Oportun means the company will perform a hard credit inquiry — which can negatively affect your credit scores — you may still be approved without any credit history. This is an important benefit since it can be more difficult to get a loan if lenders aren’t able to see that you’ve borrowed money before and paid it back on time.
The Destiny Mastercard is an unsecured credit card for those with bad to fair credit. It offers prequalification in under 60 seconds, and it reports your transaction history to all three major credit bureaus. There is a $59-$99 annual fee and a 24.90% APR. Mastercard benefits, including identity theft protection and zero liability protection, are available to cardholders.
Credit requirement: You won’t need a high credit score for the Destiny Mastercard. Those with bad to fair credit and even prior bankruptcies may qualify.
Quick prequalification: The Destiny Mastercard offers quick prequalification, so you could know if you're eligible for a new card in less than a minute.
The OpenSky Credit Card is an affordable secured card with no credit check for new applicants – meaning there is no hard inquiry into your credit history when you apply. That’s why OpenSky is a great choice for people with damaged credit who want high approval odds. Without a credit check, the OpenSky Card’s main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with a $35 annual fee and monthly bill payments.
Those are the most important things to know before applying for the OpenSky Secured Visa. Below, you can find additional information to help you make up your mind about this offer.
OpenSky Secured Credit Card Review Highlights:No credit check is great news for credit-rebuilders. Nearly all credit cards – including secured cards – require a credit check and have certain approval criteria that applicants must meet. For example, it can be difficult to get many secured cards if you have a recent bankruptcy or tax lien on your record. But that’s not the case with the OpenSky Credit Card. OpenSky simply needs to verify your identity. This saves you from a hard credit inquiry that could temporarily lower your credit score, while enabling you to begin adding positive information to your credit reports as soon as possible.$200 minimum security deposit. The OpenSky Visa is a secured credit card, which means you will be required to place a refundable security deposit, the amount of which will act as your credit limit. This limits the issuer’s risk, giving applicants higher approval odds and fairly low fees. At $200, OpenSky’s required security deposit is lower than that of most secured cards.$35 annual fee isn’t cheap or expensive. OpenSky’s annual fee is about average for a secured card, according to WalletHub data. So it isn’t necessarily a deal-breaker. But there are some secured cards with no annual fee, which you should definitely check out if your credit isn’t too severely damaged.There are more fees to watch out for. The OpenSky Secured Credit Card charges a 3% foreign-transaction fee.Average APR, but financing still isn’t wise. Carrying a balance from month to month with a secured card doesn’t make much sense because it’s basically the equivalent of charging yourself for a loan. But if you’re unable to pay your bill in full during a given month, your balance will accrue interest at a 17.39% (V), which is about what the average secured card charges, according to WalletHub’s latest Credit Card Landscape Report.-
The First Digital Mastercard is an expensive unsecured credit card for people with limited or bad credit. It charges a $95 “program fee” prior to account opening and has a $75 annual fee the first year. Then, starting year two, the annual fee drops to $48 but is joined by a monthly fee of $6.25. That’s a total of $123 in annual and monthly fees from the second year on.
In return, cardholders get a credit line of at least $300, with no deposit needed. This provides a small amount of emergency borrowing power, but it will be costly to carry a balance from month to month with this card, too. The First Digital Mastercard’s interest rate is a whopping 35.99% – nearly twice as high as the average credit card APR.
First Digital Mastercard cardholders also get the opportunity to build credit with responsible use, as the card reports account information to the three major credit bureaus on a monthly basis. But all major credit cards report to credit bureaus monthly, including secured credit cards, and most of them are much less expensive than the First Digital Mastercard.
Below, we’ll highlight the biggest strengths and weaknesses of this offer to help you decide whether applying for the First Digital Mastercard is really the right move for you.
First Digital Mastercard Review Highlights:High one-time fee: $95Most credit cards do not charge one-time fees that you have to pay before opening an account. But some unsecured credit cards for people with bad credit, such as the First Digital Mastercard, charge this type of “program fee” or “application processing fee” in order to skirt a law prohibiting excessive fees the first year an account is open.High annual fee: $75 1st yr, $48 afterThe average credit card annual fee is about $19.49, and lots of credit cards for people with limited or bad credit have $0 annual fees.High monthly fee: $0 1st year, $6.25 afterThis monthly fee is the reason why the First Digital card’s drop in annual fee from year one to year two is unlikely to save you money. If you keep the card open for at least 8 months the second year, year two with the First Digital Mastercard will actually be more expensive.High APR: 35.99%Carrying a balance from month to month with the First Digital Mastercard is extremely expensive, thanks to an APR that’s nearly twice as high as the average credit card interest rate. That’s crucial because the ability to borrow money without prepaying is the main reason to use this card over a secured credit card, most of which charge much lower fees.Low credit limit: $300+First Digital Mastercard accountholders start off with just $225 in available credit, as the card’s $75 first-year annual fee is charged when you open an account. That means the card is only suitable for relatively minor emergency expenses.No rewardsIf you plan to pay your credit card bill in full every month, the First Digital Mastercard’s lack of rewards should be a deal-breaker. Look for a card with a $0 annual fee and at least 1% cash back on all purchases instead.Fairly high approval oddsThe First Digital Mastercard advertises the ability to approve applicants that other credit card companies might reject. But there’s still a credit check when you apply, unlike some of the easiest credit cards to get.It may not seem like people with limited or damaged credit have many good credit card options, but shopping around will increase your chances of finding the best credit card for your needs. So, before submitting an application, we recommend comparing the First Digital Mastercard to the best starter credit cards as well as the best credit cards for bad credit.
Indigo Card Review Summary: The Indigo Credit Card is one of 2020’s best unsecured credit cards for bad credit, due in large part to a lack of competition. But the Indigo Card has an annual fee of $0 - $99, which could make it nearly $100 per year more expensive than the best secured credit cards for some applicants. Secured cards are also easier to get approved for. Nevertheless, people with damaged credit who want a credit card with no security deposit should consider the Indigo Mastercard.
Interested applicants who aren’t quite ready to commit can also check for Indigo credit card pre-approval with no credit-score impact. Unless you need to borrow money for an emergency expense, however, there are cheaper credit cards to build credit with – even some that have rewards.
Keep reading below to learn more about the key factors to take into account before applying for the Indigo Credit Card.
Indigo Credit Card Review Highlights:Pre-qualify with a soft inquiry. The Indigo Card’s pre-qualification process allows you to see if you’re eligible for approval without actually submitting an application, which would trigger a hard credit inquiry that could temporarily reduce your credit score. Just keep in mind that prequalifying doesn’t mean you’re guaranteed approval.Helps you (re)build credit. The Indigo Mastercard is built for people with bad credit and, like all other credit cards, reports to the major credit bureaus each month. So if you pay your bill on time and avoid maxing out your credit limit, it will help you improve your credit score. You can track your progress with WalletHub’s free daily credit score updates.Can be free to use, or not. Depending on your creditworthiness, the Indigo Mastercard will charge an annual fee of $0, $59, or $75 the first year and $99 after. That’s a big range, so it’s understandable if you want a card with more predictable costs. And if you don’t need an emergency loan, a secured card is definitely the way to go.Lets you borrow very little. The Indigo Credit Card limit is $300. That means you could have as little as $201 to spend initially, depending on the annual fee. And that could make covering emergency expenses kind of tough.Charges interest at a high rate. Balances carried from month to month with the Indigo Credit Card will accrue interest at an annual rate that could be above the market averages for secured credit cards and credit cards in general. So you should try to pay off amounts owed as quickly as possible.
The Continental Finance Gold MasterCard lets consumers who may have been turned down for other cards due to a poor credit score or bad credit have a second chance. With the Continental Finance Gold MasterCard, consumers are provided with monthly reporting to the three major credit bureaus.
Consumers who wish to apply for the Continental Finance Gold MasterCard will need to be at least 18 years old (age 19 in Alabama and Nebraska), be a valid U.S. resident and not reside in New York or Wisconsin.
Consumers who meet the necessary credit criteria and whose information can be verified may receive results within seconds. If you are approved, you can usually expect your Continental Finance Gold MasterCard to arrive within ten business days.
Seattle Credit Union
Seattle Metropolitan Credit Union helps people finance their first home, a college education, or a family vacation. They help small and big businesses flourish. And they support underserved and low-income communities because they know inclusion is the key to improving lives and creating a strong community. They’re proud of their northwest roots, and as they continue to grow and evolve, they’ll be here for everyone who calls their region home. Together, they’ll help you prosper.
The Milestone Credit Card is an unsecured card for people with credit scores below 640. The Milestone Card has a $0 security deposit requirement and offers a $300 credit limit, with an annual fee of $35 - $75 the first year. That could make some emergency expenses a bit easier to handle, though a very high APR will apply to any balance that you carry from month to month. The Milestone Card’s annual fee can also be as high as $99 from the second year on, so you don’t want to need this card for too long.
Applied Bank, headquartered in Wilmington, Delaware has been providing banking services since 1996. It has been a leader in providing secured and unsecured Visa and MasterCard Credit Cards to people with little or no credit history. Its goal is to continually develop, expand, and retain sound consumer and commercial relationships by delivering attractive and competitive financial products and services, at an exceptional level of quality that exceeds consumer's needs and expectations. They offer a comprehensive range of products and services, including checking and savings, commercial loans, business cash management, mortgages, investments, insurance, as well as online and mobile banking technologies.
The Total Visa Card is an expensive unsecured credit card for people with bad credit. The Total Visa Credit Card does not require applicants to place a refundable security deposit, but it does charge high fees, starting with an $89* “program fee” that’s assessed before account opening. There’s also a $75 annual fee the first year, which is replaced by a total of $123 in monthly and annual fees each year after.
Monthly credit-bureau reportingThe Total Visa Card reports account information to the three major credit bureaus each month. This will help you build positive credit history if you don’t miss due dates or max out your spending limit.
Expensive fees everywhere you lookThe costs begin with an $89* program fee before you even get your Total Visa Card, and they just keep on coming. You’ll get hit with a $75 annual fee upon account opening, which gets replaced by the combination of a $48 annual fee and a $6.25 monthly fee in the second year.
Limited initial spending powerNew Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
Interest packs a punchThe Total Visa Credit Card has an astronomic APR, which will quickly inflate the cost of any balance carried from month to month. For context, the average secured credit card charges only 17.19%, according to WalletHub’s latest Credit Card Landscape Report.
Card design optionsTotal Visa allows you to choose a design for your card from their gallery for free. There are a handful of options, including dogs and cats, flowers, a beach scene, and an American flag design.
Bank account requiredYou need a checking account to get approved for the Total Visa Credit Card. It will be used to facilitate monthly payments. This is fairly standard, but not all credit cards require a bank account.
Better options for bad creditWhether you need an emergency loan or just a low-cost means of building credit, you can do better than the Total Visa Credit Card. Just take a look through WalletHub’s picks for the best credit cards for people with bad credit.
First Access, Inc.
85 Broad St, New York
The First Access Visa is an unsecured credit card for people with bad credit. It is quite expensive, charging a one-time fee of $95* before account opening, followed by a $75 annual fee the first year and a combination of annual and monthly fees totaling $123 per year after that. The First Access Credit Card is legit in the sense that it is a real credit card that gives cardholders a credit line of at least $300, with no deposit requirement, and reports account information to the major credit bureaus each month. But unless you really need to borrow money for an emergency expense, you’re better off building your credit with a low-cost secured credit card.
First Access Credit Card Review Highlights:
Fees galore. If you get approved for the First Access Visa Credit Card, you will have to pay an $95* program fee before your account is even open. And that’s just the beginning. You’ll also pay a $75 first-year annual fee. And while that falls to $48 in the second year, it’s joined by a $6.25 monthly service fee that actually increases your overall costs.Little spending power, lots of interest. The First Access Credit Card has a $300 starting credit limit, which is reduced to $225 by the first-year annual fee. That’s not much of an emergency loan, if that’s what you’re after, especially considering the rate at which you’ll pay interest on balances carried from month to month. The First Access Card’s dwarfs the 23.43% charged by the average credit card, according to WalletHub’s latest Credit Card Landscape Report.Cheaper options are available. The First Access Visa Card was obviously designed for people with “bad” credit. And while there aren’t a ton of other offers available to the bad-credit crowd, there are still quite a few that are better, whether you’re in the market for an emergency loan or an inexpensive credit-improvement tool. For example, there are a handful of secured credit cards with no annual fee.Get a customized recommendation. If you would like us to recommend a credit card for you, just sign up for a free WalletHub account. We’ll help you find the best offer based on your latest credit score and financial priorities. You’ll also get free daily credit score updates and 24/7 credit monitoring.
Varo has a tiered rate: 2.80% APY for balances up to $10,000 when certain conditions are met, and 0.81% APY when conditions aren’t met, or for balances above $10,000. To compare, the national average for savings accounts is just 0.05% APY.
The conditions: To earn the 2.80% APY on up to $10,000, you must receive at least $1,000 in total direct deposits monthly and make at least five purchases with the Varo debit card per month.
There's no monthly fee or minimum balance requirement for the Varo savings account. It also offers two automatic savings programs that are linked to Varo’s bank account. The first one, Save Your Pay, lets you opt for a percentage of your direct deposit to go directly to your savings account. The other, Save Your Change, rounds up banking transactions to the nearest dollar and transfers those cents to savings.
Varo accounts are federally insured up to $250,000 combined.
Merrick Bank, for those of you who aren’t familiar with the institution, is an online lender headquartered in Utah that specializes in credit cards and boat/RV financing. That’s interesting enough, but the Merrick Bank Secured Visa Card doesn’t offer much to hold your attention. Don’t get us wrong; it’s not a bad card. It’s just a no-frills, moderately priced option with competitors that are both cheaper and more exciting.
More specifically, Merrick Bank’s Secured Card requires a $200 minimum deposit, which you can increase up to $3,000 over time, and charges a total of $36 in fees each year. That’s pretty much all you need to know. The Merrick Bank Card also features a relatively low regular APR and a 2% foreign-transaction fee, but both can be easily avoided — by always paying your bill in full and refraining from making international purchases.
LevelCredit's website says it's a way to "build credit without taking on debt" by reporting your rent and utility payments. It is a new offering marketed directly to consumers from RentTrack, which previously offered rent reporting only through property managers.
LevelCredit may be a good fit for those who:Pay rent via a bank account — whether via Venmo, Zelle or PayPal, and online payment portal or direct deposit.Need help establishing credit. If you have not yet been approved for a credit card or installment loan, the credit history established by rental payments and utilities may help get you one.Do not want to use a credit card or take out a credit-builder loan.
Empower launched as a personal finance app that tracks your banking and credit card accounts, creates a budget and finds ways to save money.
Minimum opening deposit: NoneMonthly account maintenance fee: NoneATM fees: NoneATM fee refunds: One out-of-network transaction per month, full reimbursement of the fees charged by the ATM owner.Overdraft fees: None
Dave is an app that provides cash advances to its members to help them avoid bank overdraft fees. Dave doesn’t charge interest — it asks for tips instead. But members do have to pay a small monthly membership fee to use the app and the maximum cash advance amount is low.
No interestYou won’t pay interest when you use the Dave app to get a paycheck advance. The company asks for optional “tips” provided by people who use the service. But you don’t have to tip to use the app.
Membership feeDave charges a monthly fee of $1 to use the app, which is deducted from your linked bank account each month. But you can earn free months by making purchases at certain businesses.
Low balance alertsWhen your account balance is getting low or you don’t have enough money in your account to pay a bill that Dave knows is due soon, you should receive a notification. Then you can choose whether requesting a cash advance could help you avoid overdrawing your account.
Low withdrawal limitThe maximum payday advance you can receive is $100. Once you receive a cash advance, you can’t get more money until your account is paid in full. Payments are due either the following Friday or on your next payday, depending on how much you borrow.
N26 is a banking and financial technology start-up based in Berlin, Germany. It launched in the United States in July 2019, has 3.5 million customers across Europe, and the waitlist for the U.S. launch contained over 100,000 names. N26 is what’s known as a challenger bank, which means it’s a fully digital banking platform. We like N26’s innovative mobile banking features, which allow the customer to be more in control of their banking experience. A customer who is comfortable using their mobile device for all their banking needs might be a good fit for N26.
N26 accounts don’t require that you keep a minimum balance and there are no monthly maintenance fees. It also doesn’t charge for overdrafts. Additionally, the app allows for more control than many customers have at standard banks. For example, you can lock your Visa debit card from the app if you lose it to stop fraudulent purchases. One of the best features of N26 is its sub-accounts (called Spaces), which help you to organize your savings into individual pockets. Saving for a trip to Tuscany? With Spaces, you can swipe money into a personalized sub-account designated for saving for that trip.
The Truly Simple® Credit Card from Fifth Third Bank is a good option for making big-ticket purchases that might take more than a year to repay. Truly Simple’s top perks are its 0% introductory APR, which lasts for the first 15 billing cycles your account is open, and its lack of an annual fee. Both features compare favorably to most other offers. For example, the average credit card has a $19.49 annual fee, according to WalletHub’s Credit Card Landscape Report, and the average 0% period lasts for about 10.88 months.
0% Intro Rates for 15 Billing Cycles: This applies to purchases and balance transfers alike, and it’s very good in both cases. For context, the average 0% credit card gives you 10.88 months before regular rates take effect. And the average balance transfer card gives you 0% for 12.41 months.No Annual Fee: Most 0% credit cards don’t charge annual fees, which makes sense considering that a fee is just interest in different packaging. But this does save you $19.49 per year compared to the average credit card, market wide.
The Zerocard is an interesting take on traditional credit cards. The higher cashback percentages can be difficult to obtain just by spending. The 3% cash back amount is reserved for customers who spend $100,000 or more, annually, which is a high bar to meet.
Zero of the most annoying fees of typical bank accountsZerocard provides unlimited cash back with no category restrictions at a higher rate than many other credit cards in the U.S. marketThe Zero app also allows you to track your Zerocard spending alongside deposits in a Zero Checking accountNo more worrying about rotating categories or minimum redemption amounts. Redeem whatever amount you’ve earned, whenever you like.
Betterment makes signing up for a checking account easy. To get started, you’ll just need to provide an email address that can be used as your login.
You have plenty of choices when it comes to online checking. Here are a few things that make Betterment Checking stand out.
Easy account setupSetting up your new checking account is easy, thanks to the app. Once you have an account, you’ll even get a checklist that walks you through the setup process. You can even request a debit card through the app.
No feesWhile many checking accounts come without fees, Betterment goes a step further by eliminating fees for account overdrafts. If you ever do overdraw your account, Betterment will simply reverse the transaction.
Reimbursed international feesWhen traveling internationally, transaction fees can quickly add up. Betterment refunds all fees, whether you’re using your card overseas or getting cash out of an ATM locally.
Powerful mobile appBetterment’s mobile experience is strong; it’s easy to see, at a glance, what’s going on with your account – translating to excellent oversight of your finances.
Easy investingSince Betterment specializes in investing, a checking account with them makes it easy to save for the future. The Cash Reserves feature lets you know when you have an excess amount of money in checking and lets you transfer funds to help you earn interest on those funds.
Card managementIf you ever lose your debit card, no problem. Just go into the app and lock the card until you find it again. You can then unlock it when you find it or, if you don’t, call Betterment to get a new card and cancel the old one.
Contactless paymentAt participating locations, you can use your Betterment debit card without even removing it from your wallet. Simply unlock your phone, hold it near the terminal, and wait for checkout to complete.
MoneyLion is a leading mobile finance platform that empowers consumers to take control of their financial lives through better products for borrowing, saving, and investing.
MoneyLion offers banking, investing, rewards programs, and credit monitoring in addition to creating the Instacash program. Below we have listed just a few of the many advantages of choosing MoneyLion for your borrowing needs:
Set APR on loans: The APR is set at 5.99%.Easy Repayment: Installments are fixed, so your payments won’t fluctuate over time.Early Repayment Option: Pay off your loan early without being charged extra.Transparent Fees: All fees are made clear during borrowing, no surprise future fees.Access to Premium Services as a Plus Member: Enjoy the perks of being a Plus Member, including zero-fee banking, managed investing and 0% APR cash advances.
261 Hamilton Ave, Palo Alto
Wealthfront is a force among robo-advisors, offering a competitive 0.25% management fee, free management of balances under $5,000 (with NerdWallet’s promotion) and one of the strongest tax-optimization services available from an online advisor.
First $5,000 managed free (NerdWallet promotion).Low ETF expense ratios.Daily tax-loss harvesting.Automatic rebalancing.
Point is bringing exceptional rewards and benefits to the debit card. Say goodbye to credit card debt and interest payments. Apply inside Point App and begin using Point Card instantly. Membership plans start at $5/month.
WHAT YOU GET WITH POINT:
Point Card — Rewards and benefits without the downsides of a credit card. Simplicity and transparency built right in.
Point App — Mobile banking that throws out the rule book and gives you a precision tool for managing your finances.
• 5x points on subscriptions like Netflix, Spotify and more.¹
• 3x points on food delivery and rideshare like DoorDash, Postmates, Uber, Lyft and more.²
• 1x points on everything else.³
• Phone insurance — Get reimbursed up to $1,000 per year if your phone is lost or damaged when you pay your phone bill with Point Card.⁴
• New purchase insurance — We’ll reimburse you up to a $1,000 if a new item bought with Point Card is damaged or lost within 90 days of the purchase.⁵
• Trip cancellation insurance — Point Card covers up to $1,500 for any out-of-pocket expenses you incur if your trip is cancelled or delayed.⁶
• Car rental insurance — When you pay with Point Card, you're automatically covered for any physical damage or theft to your rental car.⁷
• Point Virtual Card — Virtual Card is a unique all-digital card that enables you to pay online without ever sharing your physical card number.
• Same Day Transfers — Point features same day bank transfers as standard. That means funds you transfer into Point from any bank arrive the very same day.⁸
• No international travel fees.⁹
Apply inside Point App and begin using Point Card instantly upon approval. No credit check required.
Points are redeemable for cash back instantly. Points never expire. There is no cap. 1 point = $0.01.
For member support, please email email@example.com or text (650) 539-2701.
To learn more, please visit www.point.app
1. 5x points on subscriptions is applicable on the following services: Netflix, Hulu, HBO Max, YouTube Premium, Spotify, Pandora, Feather, and Headspace.
2. 3x points on food delivery and rideshare services is applicable on the following services: DoorDash, Uber Eats, Postmates, Caviar, GrubHub, Seamless, Instacart, Good Eggs, Uber, Lyft, and Lime.
3. Purchasing goods and services with Point Card, in most cases, will earn points, excluding balance transfers, cash-like transactions, digital currency purchases, certain gift card purchases and all other forms of manufactured spending.
4. Provides coverage in the event your covered cellphone is stolen or damaged (including cracked screens). Coverage for up to $600 per loss, with a $50 deductible per loss. A maximum pay of $1,000 per 12 months.
5. Provides coverage for most new items purchased with Point Card that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.
6. Protects you against forfeited, non-refundable, unused payments if a trip is cancelled or interrupted for covered reasons, up to $1,500 per incident. Coverage applies to common carrier airfare.
7. Pays for physical damage and theft to most rental vehicles when you pay for the entire rental transaction with Point Card and decline the Collision Damage/Loss Damage Waiver coverage offered by the car rental company.
8. Incoming transfers arrive the same business day M-F (excluding public holidays) when initiated inside Point App before 12 noon ET. Transfers initiated after 12 noon ET arrive the next business day.
9. Covers foreign merchant transaction fees at Mastercard locations outside the United States.
Current is a US-based mobile-only bank account, offering a checking account service designed to add speed and ease to the banking experience, while also allowing customers to manage their money more closely. Current is a member of the US’s FDIC, meaning they have the standard insurance coverage limit of $250,000 per depositor.
A choice of two checking account options for personal banking, the Basic account, and the Premium accountNo minimum balance. This account can be opened with a $0 balance, and you will not have to maintain a balance eitherFree withdrawals from all ATMs across the USASavings pods for focused savingRound-up feature to boost savingsInnovative tools to provide further insight into your spending24/7 live chat customer service
Good Money Banking Features2% APY – Most banks have a 0.01% APY in their checking account. Good Money promises a 2% APY, which is mind boggling. In addition they say they will give away another 2% in interest.2% APY Donated – Your account earns an extra 2% APY on top of the first 2%. Users vote on how to give this money. This is where the “50% of profits are donated statement comes from.”Affordable Loans – One thing will never change, banks make money lending it to others. In a recently released PR Newswire Good Money states they will offer the lowest consumer loan rates in the country. Bold claim.No Account or Overdraft Fees – Similar to Simple and other modern banking platforms, Good Money will not charge any fees for their accounts. They promise access to 35,000 ATMs nationwide as well.Investing – We know there will be a social good aspect to investing, but we don’t yet know if this means you can invest and watch your money grow.
Wells Fargo Bank
2145 Ford Pkwy Ste 102, St Paul
They have the best service with many of diverse employees that can help understanding and suggesting credit building or repairing.
CreditRepair.com claims that most of its customers see an average 40-point increase in their TransUnion credit score within four months of membership. CreditRepair.com’s service also comes with the following membership perks:
No setup fee. Unlike many of its competitors, there’s no setup fee associated with this provider’s service.
TransUnion credit monitoring. Offers 24/7 credit monitoring through credit reporting agency TransUnion as part of its credit repair service.
Mobile app. Download CreditRepair.com’s mobile app to keep track of your progress on the go.
Text and email alerts. Sign up to receive text and email alerts about changes to your credit and updates on your report.
Personal online dashboard. Check out what moves are being made to improve your credit by logging in.
Credit Firm Professional Credit Repair
Unlike other credit repair companies, CreditFirm.net’s service includes a legal audit of your credit reports by a licensed attorney, who also carefully reviews every document we mail out to your creditors. This personal legal touch, along with hundreds of automated legal cross-checks by our FCRA compliance validation database, gives us the leverage to fix your credit legally and permanently.
The Credit People
On average, most customers see results with The Credit People within two months. The Credit People offers a seven-day trial for $19, along with several other benefits:
Access to credit reports. Your credit reports are included in your monthly fee.Online account access. Monitor the progress made on the road to repairing your credit with an online dashboard.Cancel anytime. The Credit People claims it’s easy to cancel the service anytime with no questions.
Sky Blue Credit
Sky Blue suggests that most of its customers use its service for six months, but that you should start to see an improvement to your credit score in the first 30 days. Here are a few other benefits you can expect to enjoy with Sky Blue:
Money-back guarantee. If you’re unhappy with your Sky Blue service within the first 90 days of membership, you can cancel your service to receive a full refund.Pause your service. At any time during your membership with Sky Blue, you can pause your service through your online account or by calling Sky Blue customer service.Couple’s discount. Sign up for Sky Blue with your spouse or domestic partner to receive a $39 discount on your monthly membership fees.Online account. You can monitor your credit score and track the progress of your credit repair through Sky Blue’s online portal.
United Credit Education Services
They have been cleaning my negatives and my score is now up. I used self lener along side and increased my credit score by 50 points in a month.
584 Broadway Suite 602, New York
Nova Credit is the premier cross-border bureau. Lack of a domestic credit history keeps millions of immigrants in the United States from realizing their dreams. The award-winning fintech helps newcomers and other global citizens apply for financial services using their international credit history from countries including Australia, Brazil, Canada, India, Mexico, Nigeria, South Korea, and the UK. We translate international credit data into a U.S.-equivalent score and report in a format familiar to American underwriters, who use it to evaluate applications for credit products. Founded by immigrants, we have a diverse team from around the globe who are creating a world beyond borders to help newcomers arrive and thrive.
Self Lender - Credit Builder Account
Credit builder accounts — also called savings-secured installment loans — are secured by virtue of how they’re set up. The entire value of the loan is in a certificate of deposit (CD), which can be taken by the lender if you default.
Through Self Lender - Credit Builder Account you can take a loan out for $525, $545, $1,000 or $1,700 from one of Self Lender’s banking partners. The funds from the loan are then held in a CD that earns 0.10% APY for 12 months.
What’s probably best about this loan is that you don’t have to meet a minimum credit score requirement. The loan being completely secured greatly reduces any risk to the lender, thus relieving some of the requirements other providers or loan types carry.