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August 16, 2019

Y-12
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  10.24% variable based on the Prime Rate
  • Balance Transfer APR  10.24% variable based on the Prime Rate
  • Cash Advance APR  10.24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • No foreign transaction fees
  • • Visa Credit Card benefits and protections
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 10.24% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 10.24% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 10.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $32
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $500
     Credit Needed: Poor , No Credit Required

August 16, 2019

Y-12
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Good


Best Benefits
  • • Earn 5,000 points after first purchase
  • • No annual fee
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $32
     Over Limit Penalty Fee: NONE
     Minimum Deposit Required: N/A
     Credit Needed: Good

August 16, 2019

Y-12
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  12.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  12.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 10,000 points after making your first purchase
  • • No annual fee
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 12.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $32
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2019

Sephora
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  27.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  29.99% variable based on the Prime Rate
  • Cash Advance APR  29.99% variable based on the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Earn 4% back on all Sephora purchases
  • • Earn 1% back on all other purchases
  • • Earn $20 signup bonus after spending $500 outside of Sephora within 90 days
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 27.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 29.99% variable based on the Prime Rate
     Balance Transfer Transaction Fee: $10 or 3% of the amount each balance transfer, whichever is greater
     Cash Advance APR: 29.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: $10 or 3% of the amount each cash advance, whichever is greater
     Penalty APR: None
     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: Fair

August 15, 2019

WESTconsin
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • Earn 1 point for every dollar spent
  • • Security and fraud protections
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2019

WESTconsin
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  N.A
  • Balance Transfer APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  9% to 17.5% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • Earn 1 point for every dollar spent
  • • Security and fraud protections
Rates & Fees
     Intro Purchase APR: N.A
     Regular Purchase APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 9% to 17.5% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2019

PenFed
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  11.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR  11.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members
  • • 0% introductory APR on balance transfers for 12 months
  • • Earn a $100 statement credit when you spend $1500 in the first 90 days
  • • No annual fees, no foreign transaction fees, no caps, no limits
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.99% to 17.99%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% promotional rate for 12 months on transfers made between now and September 30, 2019.
     Balance Transfer APR: 11.99% to 17.99%, based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% per transaction
     Cash Advance APR: 11.99% to 17.99%, based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
     Penalty APR: 17.99%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2019

Navy
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  Prime + 5.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  Prime + 5.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; Prime + 7.9% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • Earn 1 point for every dollar spent
  • • No cap on amount of points you can earn
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: Prime + 5.9% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: Prime + 5.9% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; Prime + 7.9% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: 1% of transcation in US Dollars
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: NA/
     Credit Needed: Excellent , Good

August 15, 2019

Navy
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  Prime + 5.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  Prime + 5.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; Prime + 7.9% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • Earn 1 point per dollar spent
  • • No cap on points earnable
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: Prime + 5.9% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: Prime + 5.9% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; Prime + 7.9% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: 1% of transaction in US Dollars
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2019

Ultamate
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  19.24%, 25.24%, or 28.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  26.99%
  • Cash Advance APR  29.24% variable based on the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Earn 500 bonus points after spending $500 outside of Ulta Beauty within the first 90 days
  • • Earn 2 points for every $1 spent at Ulta Beauty
  • • Earn 1 point for every $3 spent elsewhere
  • • 20% off your first Ulta Beauty Purchase
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 19.24%, 25.24%, or 28.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 26.99%
     Balance Transfer Transaction Fee: $10 or 5% of the amount of the balance transfer, whichever is greater
     Cash Advance APR: 29.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: $10 or 5% of the amount of the cash advance, whichever is greater
     Penalty APR: None
     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: Fair

August 15, 2019

Navy
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  18% variable based on the Prime Rate
  • Balance Transfer APR  18% variable based on the Prime Rate
  • Cash Advance APR  20% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • No foreign transaction fees
  • • 1x points for every dollar spent
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 18% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 18% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 20% variable based on the Prime Rate
     Cash Advance Transaction Fee: NONE
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $200
     Credit Needed: Poor , No Credit Required

August 15, 2019

Navy
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  8.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  8.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 10.24% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 8.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months
     Balance Transfer APR: 8.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 10.24% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good , Fair

August 14, 2019

Navy
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • 3X points at restaurants
  • • 2X points on gas
  • • 1X point on everything else
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good , Fair

August 14, 2019

Navy
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Processing Network
Visa
  • Annual Fee  $0 for the first year; $49 after that
  • Regular Purchase APR  12.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.24% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 12.24% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3x points on travel
  • • Earn 2x points on all other purchases
  • • $100 statement credit towards TSA Pre-Check or Global Entry applications
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 12.24% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 12.24% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: $0 for the first year; $49 after that
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to 20%
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 14, 2019

Navy
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above the variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • Earn 30,000 Bonus Points when you spend $3,000 in the first 90 days
  • • 1.99% intro APR on balance transfers for the first 6 months
  • • No annual fee
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 1.99% introductory APR for 6 months
     Balance Transfer APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above the variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good , Fair

August 14, 2019

Navy
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.90% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good , Fair


Best Benefits
  • • Earn 1.5% cash back on purchases
  • • Get $250 Bonus Cash
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.90% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: 18.00%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $20
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good , Fair

August 13, 2019

PenFed
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  12.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR  12.99% to 17.99%
  • Credit Needed  Good , Fair


Best Benefits
  • • Up to 4x points on all travel purchases (3x points if you're not a member of PenFed Honors Advantage)
  • • $100 annual air travel credit
  • • $100 Global Entry fee credit, or $85 TSA Precheck fee credit when you use your card to pay
  • • 1.5x points on all other, non-travel purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.99% to 17.99%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% promotional balance transfer rate for 12 months on transfers made between now and September 30, 2019.
     Balance Transfer APR: 12.99% to 17.99%, based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: 3% per transaction
     Cash Advance APR: 12.99% to 17.99%
     Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
     Penalty APR: 17.99% if your minimum is not received within 60 days
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: None
     Credit Needed: Good , Fair

August 13, 2019

Quorum
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Credit Needed  Good , Fair


Best Benefits
  • • Features Tap & Go contactless technology; compatible with digital wallets
  • • No annual fee and no balance transfer fees
  • • Low cash advance fee with a $25 cap
  • • Same APR for purchases, cash advances, and balance transfers
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 10.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: $5.00 or 2.00% of the amount of each cash advance, whichever is greater, up to $25.00
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: None
     Credit Needed: Good , Fair

August 13, 2019

Randolph-Brooks
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  12.15% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  0% for 12 months; 12.15% to 18.00% variable based on creditworthiness and the Prime Rate after that
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • 2% cash back on all purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.15% to 18.00% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months;
     Balance Transfer APR: 12.15% to 18.00% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 0% for 12 months; 12.15% to 18.00% variable based on creditworthiness and the Prime Rate after that
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $24
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 13, 2019

Randolph-Brooks
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Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  9.95% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  9.95% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  0% for the first 12 months; 9.95% to 18% variable based on creditworthiness and the Prime Rate after that
  • Credit Needed  Excellent


Best Benefits
  • • No annual fee
  • • Excellent low APR
  • • No foreign transaction fees
  • • 0% introductory APR for 12 months from account opening
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 9.95% to 18% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months
     Balance Transfer APR: 9.95% to 18% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 0% for the first 12 months; 9.95% to 18% variable based on creditworthiness and the Prime Rate after that
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $24
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 13, 2019

Randolph-Brooks
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.15% to 18.00% variable based n creditworthiness on the Prime Rate
  • Balance Transfer APR  12.15% to 18.00% variable based n creditworthiness on the Prime Rate
  • Cash Advance APR  0% for the first 12 months; 12.15% to 18.00% variable based n creditworthiness on the Prime Rate after that
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • No foreign transaction fees
  • • Earn 2% cash back on all purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 12.15% to 18.00% variable based n creditworthiness on the Prime Rate
     Intro Balance Transfer APR: O% for the first 12 months
     Balance Transfer APR: 12.15% to 18.00% variable based n creditworthiness on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 0% for the first 12 months; 12.15% to 18.00% variable based n creditworthiness on the Prime Rate after that
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $24
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 12, 2019

Bethpage
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  2.99% to 4.99% for 12 months from account opening date
  • Balance Transfer APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  10.40% to 24.40% variable based on the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000
  • • Earn 1% cash back on net purchases over $4,000
  • • No annual fee
  • • No balance transfer fee
Rates & Fees
     Intro Purchase APR: 2.99% to 4.99% for 12 months from account opening date
     Regular Purchase APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 2.99% to 4.99% for 12 months from account opening date
     Balance Transfer APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 10.40% to 24.40% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Penalty APR: 24.40%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: Up to $25
     Minimum Deposit Required: N/A
     Credit Needed: Fair

August 12, 2019

Bethpage
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  2.99% to 4.99% for 12 months from account opening date
  • Balance Transfer APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  10.40% to 24.40% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Fair


Best Benefits
  • • Lowest interest rate of any Bethpage credit card
  • • No annual fee
  • • No balance transfer fees
  • • Introductory APR starting at 2.99% for 12 months
Rates & Fees
     Intro Purchase APR: 2.99% to 4.99% for 12 months from account opening date
     Regular Purchase APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 2.99% to 4.99% for 12 months from account opening date
     Balance Transfer APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 10.40% to 24.40% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
     Penalty APR: 24.40%
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Fair

August 12, 2019

Quorum
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn unlimited points per $1 spent with redemption values of 1.25% cash back or 1.00% on gift cards
  • • No annual fee and no balance transfer fees
  • • Zero Liability protection from fraudulent purchases
  • • Unlimited free two-day shipping from ShopRunner.com and a 10% discount on travel bookings with OneFineStay.com
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: $5 or 2.00% of the amount of each cash advance, whichever greater, up to $25.00
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

August 12, 2019

Quorum
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fees or balance transfer fees
  • • Earn 1 point for every $1 spent, towards travel, merchandise, experiential, and cash rewards; earn unlimited points that don't expire
  • • Get a 10% discount on travel bookings when you book with OneFineStay.com
  • • Enjoy unlimited free two-day shipping with ShopRunner.com
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 11.15% to 18.00%, variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: $5.00 or 2% of the amount of each cash advance , whichever is greater. Maximum fee of $25.00
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $25
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

August 09, 2019

Ocean
Learn More
Processing Network
N/A
  • Annual Fee  $75 per company account; fee waived for first 12 months. After first 12 months, if the company spends $15,000 or more in prior year, the fee will be waived for the current year.
  • Regular Purchase APR  11.99% to 19.99%, based on creditworthiness and variable with the Prime Rate
  • Intro Purchase APR  0% for 6 billing cycles
  • Balance Transfer APR  11.99% to 19.99%, based on creditworthiness and variable with the Prime Rate
  • Cash Advance APR  24.00%
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0% introductory APR on purchases and balance transfers for 6 billing cycles
  • • Annual fee of $75 waived for first year; annual fee waived each year your company spends $15,000 or more
  • • Earn 1 point per $1 spent on every purchase; earn unlimited points
  • • Redeem points for cash rewards, travel rewards, and shopping rewards
Rates & Fees
     Intro Purchase APR: 0% for 6 billing cycles
     Regular Purchase APR: 11.99% to 19.99%, based on creditworthiness and variable with the Prime Rate
     Intro Balance Transfer APR: 0% for 6 billing cycles from initial balance transfer, for balances transferred within the first 6 months of account opening
     Balance Transfer APR: 11.99% to 19.99%, based on creditworthiness and variable with the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.00%
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: 23.99% if account is 60 days or more past due
     Annual Fee: $75 per company account; fee waived for first 12 months. After first 12 months, if the company spends $15,000 or more in prior year, the fee will be waived for the current year.
     Foreign Transaction Fee: 3% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: $25 fee per billing cycle if a transaction above the credit limit posts to the account
     Minimum Deposit Required: None
     Credit Needed: Excellent , Good

August 08, 2019

Ocean
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  11.99% to 19.99%, variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 billing cycles
  • Balance Transfer APR  11.99% to 19.99%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24.00%
  • Credit Needed  Good , Fair


Best Benefits
  • • 0% introductory APR on purchases and balance transfers for 12 months from account opening date
  • • Earn 1 point per $1 spent on everyday purchases
  • • Redeem points for cash, travel and shopping rewards
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 12 billing cycles
     Regular Purchase APR: 11.99% to 19.99%, variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 billing cycles from your initial balance transfer, for balances transferred within the first 12 months of account opening
     Balance Transfer APR: 11.99% to 19.99%, variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.00%
     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: 3% of each transaction in 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: Good , Fair

August 08, 2019

Ocean
Learn More
Processing Network
Mastercard
  • Annual Fee  $0 for the first twelve months; $75 each year after
  • Regular Purchase APR  13.99%, variable with the market based on the Prime Rate
  • Intro Purchase APR  0% for the first 12 billing cycles
  • Balance Transfer APR  13.99%, variable with the market based on the Prime Rate
  • Cash Advance APR  24.00%, variable with the market based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 1 point per $1 on all qualifying net purchases
  • • Points can be redeemed for cash rewards, travel rewards, and shopping rewards
  • • 0% intro APR for 12 months on both purchases and balance transfers
  • • No annual fee for the first 12 months
Rates & Fees
     Intro Purchase APR: 0% for the first 12 billing cycles
     Regular Purchase APR: 13.99%, variable with the market based on the Prime Rate
     Intro Balance Transfer APR: 0% for 12 billing cycles from the date of your initial balance transfer
     Balance Transfer APR: 13.99%, variable with the market based on the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24.00%, variable with the market 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: $0 for the first twelve months; $75 each year after
     Foreign Transaction Fee: 3% of each transaction in 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: None
     Credit Needed: Excellent , Good

August 06, 2019

Ocean
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  13.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening date
  • Balance Transfer APR  13.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  24% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • $0 liability for unauthorized purchases
  • • 0% introductory APR on purchases and balance transfers for 12 months
  • • Mastercard® Airport Concierge - 15% savings on airport meet and greet services
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening date
     Regular Purchase APR: 13.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 12 months from account opening date
     Balance Transfer APR: 13.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
     Cash Advance APR: 24% 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: 3% of the transaction amount in 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: $500 Certificate of Deposit
     Credit Needed: Poor , No Credit Required

August 05, 2019

Key
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • 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  Good , Fair


Best Benefits
  • • Earn 1.5% cash back on every purchase, and 2% cash back when you bank and save with Key
  • • Earn a $100 cash back bonus when you spend $500 or more in the first 60 days of opening your account
  • • No annual fee
  • • Enjoy a balance transfer APR of 0% for the first twelve months as an introductory offer
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 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 $10 or 3% of the amount of each transaction, 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 transaction, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars. Transactions originating in Canada are excluded from this fee
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: $10 Overdraft Protection Fee
     Minimum Deposit Required: None
     Credit Needed: Good , Fair



Best Benefits
  • • Earn 3x points on Kroger's brand purchases
  • • Earn 2x points when shopping at Kroger's
  • • Earn 1x points for all other purchases
  • • Earn $5 for every 1000 points earned to use toward free groceries!
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: N/A
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: N/A
     Cash Advance Transaction Fee: N/A
     Penalty APR: N/A
     Annual Fee: $59.40
     Foreign Transaction Fee: 3% of transaction amount
     Late Payment Penalty Fee: N/A
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: $10
     Credit Needed: No Credit Required



Best Benefits
  • • Earn 3x points on Kroger's brand purchases
  • • Earn 2x points when shopping at Kroger's
  • • Earn 1x points for all other purchases
  • • Earn $5 for every 1000 points earned to use toward free groceries!
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: N/A
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: N/A
     Cash Advance Transaction Fee: N/A
     Penalty APR: N/A
     Annual Fee: $59.40
     Foreign Transaction Fee: 3% of transaction amount
     Late Payment Penalty Fee: N/A
     Return Payment Penalty Fee: N/A
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: $10
     Credit Needed: No Credit Required

August 02, 2019

China
Learn More
Processing Network
Mastercard
  • Annual Fee  $59
  • Regular Purchase APR  16.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  16.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 2 miles per $1 spent on China Airlines purchases
  • • 1 mile per $1 spent everywhere else[
  • • 7,500 bonus miles after the first purchase
  • • No foreign transaction fees
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24% to 20.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 6 months
     Balance Transfer APR: 16.24% to 20.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: $59
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 02, 2019

China
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  18.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  18.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • Earn 1 mile for every dollar spent with China Airlines
  • • Earn 1 mile for every $2 spent on all other purchases
  • • 0.00% introductory APR for the first 6 billing cycles
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 18.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 6 months
     Balance Transfer APR: 18.24% to 22.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Cash Advance APR: 27.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 02, 2019

University
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  9.0% variable based on the Prime Rate
  • Balance Transfer APR  9.0% variable based on the Prime Rate
  • Cash Advance APR  9.0% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • No annual fee
  • • Build credit without any hidden fees
  • • Low fixed APR
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 9.0% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 9.0% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 9.0% variable based on the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $500
     Credit Needed: Poor , No Credit Required

August 02, 2019

University
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  3.99% for the first 6 months
  • Balance Transfer APR  12.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  3.99% for the first 6 months; 12.24% to 17.99% variable based on creditworthiness and the Prime Rate after that
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 2,500 bonus points when you spend $1,000 in the first 3 months
  • • No annual fee
  • • Earn 2x points for grocery, gas, and pharmacy purchases
  • • Intro 3.99% APR for 6 months
Rates & Fees
     Intro Purchase APR: 3.99% for the first 6 months
     Regular Purchase APR: 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 3.99% for the first 6 months
     Balance Transfer APR: 12.24% to 17.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 3.99% for the first 6 months; 12.24% to 17.99% variable based on creditworthiness and the Prime Rate after that
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 02, 2019

University
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  8.9% variable based on the Prime Rate
  • Balance Transfer APR  8.9% variable based on the Prime Rate
  • Cash Advance APR  8.9% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • $250,000.00 travel accident insurance
  • • No annual fee
  • • Low APR for purchases, balance transfers, and cash advances
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 8.9% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 8.9% variable based on the Prime Rate
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 8.9% variable based on the Prime Rate
     Cash Advance Transaction Fee: None
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 1% of each transaction in U.S. dollars
     Late Payment Penalty Fee: Up to $20
     Return Payment Penalty Fee: Up to $25
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 01, 2019

State
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months
  • Balance Transfer APR  15.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.74% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3 points for every $1 spent on insurance premium payments
  • • Earn 2 points for every $1 spent on eligible travel and office supply purchases.
  • • Earn 1 point for every $1 spent on all other eligible purchases
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for 6 months
     Regular Purchase APR: 15.49% to 22.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months
     Balance Transfer APR: 15.49% to 22.49% 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: 1% of each transaction 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: Excellent , Good

August 01, 2019

Wyndham
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  17.49%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date for all Wyndham Timeshare Purchases
  • Balance Transfer APR  17.49%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 3 points per $1 spent on eligible Wyndham purchases
  • • 2 points per $1 spent on eligible gas, utility and grocery store purchases
  • • Automatically receive a Wyndham Rewards GOLD Membership
  • • Earn a free night stay starting at 7,500 points at Wyndham Rewards hotels and 15,000 for thousands of other hotels and resorts
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date for all Wyndham Timeshare Purchases
     Regular Purchase APR: 17.49%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 17.49%, 22.24% or 27.24% 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: 27.49% 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: None
     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: Excellent , Good

August 01, 2019

Upromise®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  17.24%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  17.24%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Good , Excellent


Best Benefits
  • • Earn 1.25% cash back on every purchase
  • • Purchases are rounded to the nearest dollar to earn extra cash back
  • • Complimentary ShopRunner membership
  • • No annual fee
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 17.24%, 22.24% or 27.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 17.24%, 22.24% or 27.24% 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: 27.49% 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: None
     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: Good , Excellent

August 01, 2019

RCI®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  17.24%, 22.24% or 27.24%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR  17.24%, 22.24% or 27.24%, based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 5X Rewards for every $1 spent on all eligible RCI purchases
  • • Earn 2X Rewards for every $1 spent on all eligible travel purchases
  • • Redeem rewards for RCI Member Rewards credit, cash back, or travel
  • • Get 5% Rewards back every time you redeem points
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 17.24%, 22.24% or 27.24%, based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 17.24%, 22.24% or 27.24%, 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: 27.49% 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: None
     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: Excellent , Good

August 01, 2019

Princess
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  16.24%, 21.24% or 26.24%, based on your creditworthiness and the Prime Rate
  • Balance Transfer APR  16.24%, 21.24% or 26.24%, based on your creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 10,000 bonus points after you use your card for the first time
  • • Earn 2 points per $1 spent on all Princess purchases
  • • Earn 1 point per $1 spent on all other purchases
  • • Redeem points for cruise rewards, onboard credits, special on board amenities and discounted air fare
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24%, 21.24% or 26.24%, based on your creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 16.24%, 21.24% or 26.24%, based on your 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: 27.49% 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: None
     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: Excellent , Good

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 01, 2019

NFL
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  18.24%, 23.24% or 28.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date on NFL Team Ticket Purchases
  • Balance Transfer APR  18.24%, 23.24% or 28.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  28.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 2X points on NFL and team purchases
  • • 0% introductory APR for 6 months on NFL ticket purchase
  • • $20 off every $100 spent at NFLShop.com
  • • Redeem points for exclusive NFL rewards and experiences or cash back
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date on NFL Team Ticket Purchases
     Regular Purchase APR: 18.24%, 23.24% or 28.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 6 months from account opening date
     Balance Transfer APR: 18.24%, 23.24% or 28.24% 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: 28.49% 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 to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

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
  • • Funds used for deposit will earn dividends
  • • Credit limit: $250 to $3000
  • • Low APR
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: $250
     Credit Needed: Poor , No Credit Required

August 01, 2019

State
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  O% for the first 12 months
  • Balance Transfer APR  15.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.74% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • 0% introductory APR for the first 12 months after opening account
  • • Low APR
  • • $250,000 Travel Accident Insurance
Rates & Fees
     Intro Purchase APR: O% for the first 12 months
     Regular Purchase APR: 15.49% to 25.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: O% for the first 12 months
     Balance Transfer APR: 15.49% 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 to $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 01, 2019

Carnival®
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.24%, 21.24% or 26.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date for Carnival Cruise purchases
  • Balance Transfer APR  16.24%, 21.24% or 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 20,000 Bonus FunPoints® after first purchase or balance transfer
  • • Receive 10% Statement Credit on a Carnival shore excursion when booking your cruise online
  • • Earn 2X FunPoints® for every dollar spent on purchases with Carnival and the World’s Leading Cruise Lines
  • • 0% Promotional APR for 6 months on Carnival cruise bookings
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date for Carnival Cruise purchases
     Regular Purchase APR: 16.24%, 21.24% or 26.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 16.24%, 21.24% or 26.24% 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: 27.49% 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: None
     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: Excellent , Good

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

August 01, 2019

State
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  16.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for the first 12 months
  • Balance Transfer APR  16.49% to 26.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  26.74% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3 points for every $1 spent on insurance premium payments
  • • Earn 1 point for every $1 spent on all other eligible purchases
  • • 0% introductory rate for 12 months on purchases and balance transfers
  • • No annual fee
Rates & Fees
     Intro Purchase APR: 0% for the first 12 months
     Regular Purchase APR: 16.49% to 26.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 12 months
     Balance Transfer APR: 16.49% to 26.49% 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 to $38
     Return Payment Penalty Fee: Up to $38
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 01, 2019

Barnes
Learn More
Processing Network
Mastercard
  • Annual Fee  None
  • Regular Purchase APR  16.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  16.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn a $25 Barnes & Noble Gift Card after your first purchase and every 2,500 points
  • • Earn 5% for all Barnes & Noble purchases
  • • Earn 2X points for restaurants
  • • Earn 12 months of Barnes & Noble Membership after spending $7,500 per year
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24% to 27.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months from account opening date
     Balance Transfer APR: 16.24% to 27.24% 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: 27.49% 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 to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

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