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August 29, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months.
  • Balance Transfer APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • 0.00% introductory APR for 6 months on purchases and balance transfers
  • • 3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
  • • Build credit history while you’re in college
  • • Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 6 months.
     Regular Purchase APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
     Balance Transfer APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 09, 2018

Discover
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 24.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening
  • Balance Transfer APR  15.24% to 24.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • Receive a $20 statement credit when GPA is 3.0 or higher every school year for up to five years
  • • Discover automatically matches all the earned cash back at the end of the first year
  • • Earn 5% cash back on rotating categories each quarter, such as gas stations, restaurants, or wholesale clubs
  • • Cash back rewards can be redeemed at any time and never expire
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening
     Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer, for transfers that post to account by September 10, 2019
     Balance Transfer APR: 15.24% to 24.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: N/A
     Late Payment Penalty Fee: None for first late payment. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Good , Fair

August 31, 2018

Discover
Learn More
Processing Network
Discover
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from date of account opening
  • Balance Transfer APR  15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
  • • Discover matches all the cash back you've earned at the end of your first year, automatically
  • • Cash back rewards do not expired and can be redeemed at any time
Rates & Fees
     Intro Purchase APR: 0% for 6 months from date of account opening
     Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers under this offer that post to your account by September 10, 2019.
     Balance Transfer APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: None the first time you pay late. After that, up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 27, 2018

BankAmericard®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 15 months from the date of account opening
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  18.24% to 27.24% variable based on the Prime Rate
  • Credit Needed  Fair , Poor , No Credit Required


Best Benefits
  • • Ideal for building or establishing responsible use of credit
  • • Generous balance transfer terms, with introductory 0% APR and $0 balance transfer fees
  • • Get access to credit and budgeting education, as well as fee monthly FICO Score reports
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 15 months from the date of account opening
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 15 months for transfers made within 60 days from the date of account opening
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: $0 introductory fee for transactions made within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 18.24% to 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor , No Credit Required

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • Earn unlimited 1.25% cash back on every purchase, every day
  • • Earn a 25% bonus on any cash back rewards used to pay down student loans
  • • 0% introductory APR on purchases for 12 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to $39
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • Earn unlimited 1% cash back on every purchase, every day
  • • Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
  • • 0% introductory APR on purchases for 6 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

June 26, 2019

Sallie
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Earn unlimited 1.25% cash back on every purchase, every day
  • • Earn a 25% bonus on cash back rewards earned from your top two purchase categories each month
  • • No annual fee
  • • 0% introductory APR on purchases for 12 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 01, 2019

Golden
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.79%, based on the Prime Rate
  • Balance Transfer APR  15.79%, based on the Prime Rate
  • Cash Advance APR  15.79%, based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • 3% cash rebate on gas, grocery, and restaurant purchases
  • • 1% cash rebate on all other purchases
  • • Up to $2,000 credit limit
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.79%, based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 15.79%, based on the Prime Rate
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: 15.79%, based on the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $15
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: None
     Credit Needed: Poor , No Credit Required

June 13, 2019

Bank
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Earn 1.5x rewards per dollar spent on eligible purchases
  • • 2,500 bonus rewards points after first purchase – equal to $25
  • • No annual fee
  • • $0 fraud liability
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months on transfers made within 186 days from account opening date
     Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 2% of the transaction amount or foreign ATM advance transaction in U.S. dollars. 3% of the transaction amount or foreign ATM advance transaction in a foreign currency
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 27, 2018

Bank
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.24% to 26.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 12 months from date of account opening
  • Balance Transfer APR  16.24% to 26.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  19.24% to 27.49% variable based on the Prime Rate
  • Credit Needed  Fair , Poor


Best Benefits
  • • Earn 3% cash back on the category of your choice, 2% at grocery stores and wholesale clubs, and 1% on every other purchase
  • • Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening; rewards points do not expire
  • • Enjoy additional travel, auto rental, and purchase benefits
  • • Get access to your FICO Score via monthly reports for free
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months from date of account opening
     Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months on transfers made within 60 days from date of account opening
     Balance Transfer APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 19.24% to 27.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: Up to 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor

April 18, 2019

Citi
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 7 months from account opening date
  • Balance Transfer APR  16.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Fair , Poor


Best Benefits
  • • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months from account opening
  • • Earn 2X points on purchases at supermarkets and gas stations for the first $6,000 per year
  • • Earn 1X point on all other purchases
  • • Purchases round up to the nearest 10 points with no cap
  • • 0% intro APR on purchases for the first 7 months from account opening
Rates & Fees
     Intro Purchase APR: 0% for 7 months from account opening date
     Regular Purchase APR: 16.49% to 26.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 16.49% to 26.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: 3% of each purchase transaction in US dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor

August 27, 2018

Bank
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  17.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Intro Purchase APR  0% for the first 12 months from date of account opening
  • Balance Transfer APR  17.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR  20.24% to 27.24% variable based on creditworthiness and Prime Rate
  • Credit Needed  Fair , Poor


Best Benefits
  • • Earn unlimited 1.5 points per dollar spent on all purchases; 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening
  • • Get a 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • • Keep track of your credit's health with access to free FICO Score monthly reports
  • • Build your credit anywhere with no foreign transaction fees and no annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months from date of account opening
     Regular Purchase APR: 17.24% to 25.24% variable based on creditworthiness and Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 17.24% to 25.24% variable based on creditworthiness and Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
     Cash Advance APR: 20.24% to 27.24% variable based on creditworthiness and Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater. For ATM, over-the-counter, same-day online and cash equivalent cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
     Penalty APR: Up to 29.99% variable based on the Prime Rate
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $28
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , Poor

August 01, 2019

State
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  17.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  17.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.74% variable based on the Prime Rate
  • Credit Needed  Good , Fair , Poor


Best Benefits
  • • No annual fee
  • • Earn 3 points for every $1 spent on insurance premium payments
  • • Earn 1 point for every $2 spent on eligible purchases
  • • Earn rewards while building credit
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 17.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 17.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
     Cash Advance APR: 26.74% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N.A
     Credit Needed: Good , Fair , Poor

August 23, 2018

Journey®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  26.99% variable based on the Prime Rate
  • Balance Transfer APR  26.99% variable based on the Prime Rate
  • Cash Advance APR  26.99% variable based on the Prime Rate
  • Credit Needed  Fair , No Credit Required


Best Benefits
  • • Earn 1% cash back on all purchases
  • • When balance is paid on time, cash back earnings rate increases to 1.25% for the month
  • • Keep track of your credit score for free with CreditWise from Capital One®
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 26.99% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 26.99% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 26.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $38
     Return Payment Penalty Fee: None
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair , No Credit Required

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