Top Rated CREDIT CARDS

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

• 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 the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 16.49% to 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 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: 16.49% to 17.99%
• Refer to PenFed.org for Terms/Conditions

Specifications

Highlights

We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.

• No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
• Variable APRs range from 17.74% – 31.74%
• 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

• Rewards Rate: 1% cash back on eligible purchases
• Annual Fee: $0
• Regular APR: 17.74 – 31.74% Variable
• Credit Recommended: Excellent, Good, Limited History, No History, 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

• $200 bonus 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 after you make payments on your purchases
• No annual fee
• 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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details

Additional Info

• Annual Fee: $0
• Intro Purchase APR: N/A
• Regular Purchase APR: 14.99% -29.99%
• Intro Balance Transfer APR: NA
• Cash Advance APR: NA
• Cash Advance FEE: NA
• Late Fee: $0
• Penalty APR: NA
• Balance Transfer APR: 14.99% to 29.99%
• Balance Transfer Fee: Up to 5%
• Foreign Transaction Fee: Up to 3%
• Return Payment Fee: $0
• Welcome Bonus: $200*
• $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

• $200 bonus 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
• No annual fee
• 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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

• Annual Fee: $0
• Intro Purchase APR: N/A
• Regular Purchase APR: 14.99% -29.99%
• Intro Balance Transfer APR: NA
• Cash Advance APR: NA
• Cash Advance FEE: NA
• Late Fee: $0
• Penalty APR: NA
• Balance Transfer APR: 14.99% to 29.99%
• Balance Transfer Fee: Up to 5%
• Foreign Transaction Fee: Up to 3%
• Return Payment Fee: $0
• Rewards Rate: 1.5%
• Welcome Bonus: $200*
• $0 Fraud Liability: Yes
• Extended Warranty Program: Yes
• Roadside Assistance: Yes
• Price Protection: Yes
• Travel and Emergency Assistance Services: Yes
• Concierge Service: Yes

Specifications