Cash Back Credit Cards

Highlights

• Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
• Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else
• $0 annual fee, $0 activation fees, $0 foreign transaction fees
• Combine the flexibility of a credit card with the predictability of a personal loan
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

* To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Additional Info

• Annual Fee : $0
• Intro Purchase APR : N/A
• Regular Purchase APR : 14.99% – 29.99% APR
• Intro Balance Transfer APR : NA
• Cash Advance APR : NA
• Cash Advance FEE : NA
• Late Fee : $0
• Penalty APR : NA
• Balance Transfer APR : NA
• Balance Transfer Fee : $0
• Foreign Transaction Fee : $0
• Return Payment Fee : $0
• $0 Fraud Liability : Yes
• Extended Warranty Program : Yes
• Roadside Assistance : Yes
• Price Protection : Yes
• Travel and Emergency Assistance Services : Yes
• Concierge Service : Yes

Specifications

Highlights

• Earn more everywhere you go!
• 50,000 Bonus Points when you spend $3000 in the first 90 days
• Up to $799 total Travel value
• 4X Points on all Travel categories for PenFed Honors Advantage Members
• 3X Points on all Travel categories
• 1.5X Points on all other purchases
• 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Additional Info

• Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
• Purchase Variable APR: 17.99%
• Refer to PenFed.org for Terms/Conditions

Specifications

Highlights

• Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
• Earn 1.5% unlimited cash back on card purchases every time you make a payment
• Combine the flexibility of a credit card with the predictability of a personal loan
• $0 annual fee, $0 activation fees, $0 foreign transaction fees
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

* To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Additional Info

Specifications

Highlights

• Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
• Earn 1.5% unlimited cash back in bitcoin when you make payments
• The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
• No annual fees, no foreign transactions fees
• Get pre-approved in seconds with no impact to your credit score
• Pay with your phone or device by using Apple Pay™ or Google Pay™
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

*  To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it. Refer to Program Terms. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

Additional Info

Link to Rates and Terms

State Exclusions: Not available in DC, Hawaii, Iowa, New Hampshire, North Carolina, West Virginia and Wisconsin

Specifications

Highlights

• Get Rewarded on Everyday Purchases
• 5x Points on gas paid at the pump and EV charging stations
• 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
• 1x Points on all other purchases
• 15,000 Bonus Points when you spend $1,500 in first 90 days
• 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Additional Info

• Annual Fee: $0
• Purchase Variable APR: 17.99%
• Refer to PenFed.org for Terms/Conditions

Specifications

Highlights

• Our Lowest-Rate Card
• Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
• LOW APR on all purchases
• 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Additional Info

• Annual Fee: $0
• Purchase Variable APR: 13.49% to 17.99%
• Refer to PenFed.org for Terms/Conditions

Specifications

Highlights

• No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
• Variable APRs range from 17.24% – 31.24%
• Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
• 1% cash back on eligible purchases right away
• 2% – 10% cash back at select merchants
• $300 – $10,000 credit limits
• No credit score? No problem. If eligible, we’ll create your Cash Score instead.
• See if you’re pre-approved within minutes without impacting your credit score.
• Build credit alongside hundreds of thousands of Petal card members.
• Petal reports to all 3 major credit bureaus.
• No deposits required
• Card issued by WebBank

Additional Info

• Intro (Purchases): N/A
• Intro (Transfers): N/A
• Regular APR: 17.24 – 31.24% Variable
• Annual Fee: $0
• Credit Recommended: Excellent/Good/Limited/No Credit
• Credit Limit: $300 – $10,000
• Product Type: Consumer
• Overlimit Fee: $0
• Balance Transfer Fee: N/A
• Late Payment Fee: $0
• Cash Advance Fee: N/A
• Checking Account Required: Yes

Specifications

Highlights

• See if you qualify instantly without harming your credit score.
• Enjoy Unlimited 1-1.5% Cash Back on all Purchases
• Get a higher credit line if you’re in good standing after making your first 6 payments on time
• Free, online credit score access for cardholders
• Instant decision on your application
• No interest on purchases when you pay in full and on time each month
• No security deposit required – get started today!
• Enjoy coverage from Visa®
• Access your account anytime, anywhere with our mobile app

Additional Info

• Rewards Rate: 1-1.5% Unlimited Cash Back
• Credit Check: Know and Go: Know if you’re pre-qualified with no harm to your credit score
• Annual Fee: $0-$19
• Regular APR: 26.99% (Variable)
• Credit Recommended: Fair, Good

Specifications

Highlights

• Earn 1.5% cashback rewards on all of your eligible purchases!
• Reports to all three major credit bureaus
• Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online

Additional Info

• Rewards Rate: Earn 1.5% cashback rewards on all of your eligible purchases
• Regular APR: 35.9%
• Card Brand: Mastercard®
• Annual Fee: $175 the first year; $49 thereafter
• Credit Recommended: Poor to Good

Specifications

Highlights

• With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
• Earn a 1% cash back reward on all other purchases
• Up to $1,000 credit limit subject to credit approval
• Pre-qualify without affecting your credit score
• No deposits or program fee
• Free access to your Vantage 3.0 score from Equifax†

Additional Info

• Simple Secure Online Application
• Unsecured Mastercard®

• Rewards Rate 1: Up to a 3% Cash Back Reward
• Regular APR: 29.99% OR 36% (V)
• Credit Recommended: Fair
• Annual Fee: As low as $85
• Credit Line: Up to $1,000 credit limit subject to credit approval
• Card Brand: Mastercard®
• Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
• Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee: 3% of the amount of each transfer after the first year

Specifications

Highlights

• With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
• Make contactless payments through Mobile Wallet
• Periodic Credit Increase Reviews
• Free access to your Vantage 3.0 score from Equifax†

Additional Info

• Rewards Rate 1: Up to a 3% Cash Back Reward
• Regular APR: 29.99% OR 36% (V)
• Credit Recommended: Fair
• Annual Fee: As low as $85
• Card Brand: Mastercard®
• Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
• Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee: 3% of the amount of each transfer after the first year

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Specifications

Highlights

• $0 Annual Fee
• Variable APRs range from 24.24% – 33.74%
• $300 – $5,000 credit limits
• Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
• No credit score? No problem. If eligible, we’ll create your Cash Score instead.
• 2% – 10% cash back at select merchants
• See if you’re pre-approved within minutes without impacting your credit score.
• No annual or foreign transaction fees.
• Build credit alongside hundreds of thousands of Petal card members.
• Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
• Petal reports to all 3 major credit bureaus
• No deposits required |Card issued by WebBank

Additional Info

• Regular APR: 24.24% – 33.74% Variable
• Credit Recommended: Fair/Bad/Limited/No Credit
• Credit Limit: $300 – $5,000
• Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.
• Return Payment Fee: Bounced payment fee up to $29.
• Annual Fee: $0
• Intro Rate: N/A
• Intro Period: N/A
• Balance Transfer: N/A
• Intro (Purchases): N/A
• Intro (Balance Transfers): N/A
• Intro Transfer APR: N/A
• Intro Transfer APR Period: N/A
• Checking Account Required: Yes

Specifications