Top Rated CREDIT CARDS

Highlights

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Fair
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Visa®

Specifications

Highlights

• Don’t let a low FICO score stop you from applying – we approve applications others may not.
• You don’t need good credit to apply.
• Just complete the short application and receive a response in 60 seconds.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.

Additional Info

Specifications

Highlights

• Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
• Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
• Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
• Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
  *Please see site for full terms and conditions.

Additional Info

• Activation Fee: $0
• Monthly Fee: $0 with eligible direct deposit
• Direct Deposit Fee: $0
• ATM Fee: $2.50
• Credit Recommended: N/A

Specifications

Highlights

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Fair/Bad Credit
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Visa®

Specifications

Highlights

• All the benefits of a Mastercard, without a security deposit
• 24/7 access to your account, even on mobile!
• Reports to all three major credit bureaus
• Less than perfect credit is okay, even with a prior bankruptcy!

Additional Info

• Regular APR: See terms
• Annual Fee: See terms
• Credit Recommended: Poor to Good
• Brand Name: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

• A Chime Visa® Debit Card
• A Checking Account
• Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across checking and saving that align with our members’ interests. They use us because of features like:

• Fee-free overdraft through SpotMe® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ on debit card purchases without charging a fee.
• No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
• Get your paycheck early**: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
• Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

²The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

Additional Info

• No monthly fees˜: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
• Grow your savings automatically with our Savings Account
• Manage everything from your phone
• Send money with Pay Friends to other Chime members^^
• Turn on real-time transaction notifications to get push notifications after every purchase and daily balance alerts every morning
• Turn your card on/off instantly in-app
• Move money between your other bank accounts
• Over 60,000 fee-free ATMs˜ with Moneypass® and Visa® Plus Alliance
• Apple Pay™ / Google Pay™ for when you forget your wallet
• Information security is a top priority
• EMV chip card security
• Friendly and responsive customer support
• 2.00% APY¹ on your Savings Account. That’s 11x² the national average!

Specifications

Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Specifications

Highlights

• Savings plans start at $25/month and includes credit monitoring
• Reports to all 3 credit bureaus. No hard credit pull and no credit history required
• Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
• At the end of account term you’ve built credit history and your CD savings unlocks

Additional Info

• Balance Transfers Intro APR: N/A
• Purchases Intro APR: N/A
• Regular APR: 12.03% – 15.98% (Varies by Product)
• Annual Fee: One Time $9 – $15 Account Fee (Varies by Product)

Specifications

Highlights

• Greater access to credit than before – $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability for unauthorized use
• Access your account online or from your mobile device 24/7

Additional Info

• Regular APR: See terms
• Credit Recommended: Fair/Good
• Annual Fee: See terms
• Card Brand: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Highlights

• Earn 1% cash back rewards on payments made to your First Digital Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• Build up your credit history with a card that reports to all three major credit bureaus every month.
• Perfect credit not required for approval; we may approve you when others won’t.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Cash Back Rewards Programs Terms & Conditions for details

• Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
• Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
• You may be eligible for a Credit Line Increase after 12 months.
• Easy and secure online application – It takes just moments to apply.
• If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
• Receive your card more quickly with optional Expedited Processing (additional fee applies).
• Get a result in as little as 60 seconds upon completion of the online application.
• Online Customer Center available 24 x 7.
• Issued by Synovus Bank, Member: FDIC

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Poor/Damaged/Fair
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Mastercard®

Specifications

Highlights

• $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
• All credit types welcome to apply
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $400.00* (Subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere Mastercard® is accepted
• Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
• Checking Account Required
• Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

Specifications

Highlights

• Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
• Earn 1% Cash Back Rewards* on all other eligible purchases
• Up to $1,000 credit limit subject to credit approval
• Prequalify** without affecting your credit score
• No security deposit
• Free access to your VantageScore 4.0 score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore

Additional Info

• Credit Line: Up to $1,000 credit limit subject to credit approval
• Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
• Regular APR: 29.99% or 36% Fixed
• Annual Fee: As low as $85
• Credit Recommended: Fair
• 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

Specifications

Highlights

• Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
• Earn 1% Cash Back Rewards* on all other eligible purchases
• Good anywhere Mastercard® is accepted
• $0 fraud liability**
• Free access to your VantageScore 4.0 credit score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard® rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Additional Info

• Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
• Credit Line: Up to $1,000 credit limit subject to credit approval
• Regular APR: 29.99% or 36% Fixed
• Annual Fee: As low as $85
• Credit Recommended: Fair
• 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

Specifications

Highlights

• Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
• Initial Credit Limit of $300 – $1,000* (subject to available credit)
• See if you’re Pre-Qualified with no impact to your credit score
• All credit types welcome to apply
• Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
• Monthly reporting to the three major credit bureaus
• Fast and easy application process; results in seconds
• Use your card at locations everywhere Mastercard® is accepted
• Checking Account Required
• Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

Specifications