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TAP Miles&Go American Express®
TAP Miles&Go American Express®
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The TAP Miles&Go American Express® credit card is the ideal travel companion for anyone who want premium travel perks but hate paying a steep annual fee of hundreds of dollars. The card, from Cardless, charges $79 per year but grants perks like lounge access, preferred boarding, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 60,000 miles after spending $2,500 in purchases in the first three months
- Earn 3X miles on TAP Air Portugal purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Two complimentary TAP lounge passes each year
- Preferred boarding on TAP-operated flights
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee: $79
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $30
- You travel to Portugal, Europe, or other similar destinations often
- You prefer to fly with TAP Air Portugal or other Star Alliance airlines
- You want access to premium perks like airport lounges and upgrades
- You plan to spend at least $2,500 in the first three months
Self Visa® Credit Card
Self Visa® Credit Card
- 29.24% (Variable) Regular Purchase APR
At a Glance
The Self Visa® Credit Card is a secured credit card that pairs with an existing Self Credit Builder Account. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check
- Build credit and savings at the same time
- Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus
- At the end of your plan, unlock the savings you built — minus interest and fees
- The Self Visa® Credit Card* is accepted at millions of locations in the U.S.
- *All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Sunrise Banks, N.A., Member FDIC or SouthState Bank, N.A., Member FDIC. The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender. Individual results will vary. Visit self.inc for more details.
- Regular Purchase APR: 29.24% (Variable)
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
- You're serious about raising your credit score
- You already have a Self Credit Builder Account
- You don’t mind the card's $25 annual fee
- You plan to pay your card balance in full every month
SoFi Credit Card
SoFi Credit Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The SoFi Credit Card is a cash back rewards card from fintech company, SoFi. The card, which features no annual fee and no foreign transaction fees, is designed to help consumers pay down debt quickly and effectively.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on all eligible purchases. When you redeem it to pay down eligible debt, save, or invest with SoFi, you'll earn an additional 1% cash back
- Get a 1% lower APR when you make 12 on-time payments
- No annual fee
- Earn additional rewards when you spend with Lyft, ShopRunner, and Boxed
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.99% to 29.99% 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: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're an existing SoFi customer or are planning to become one
- You have debts you want to pay down at a reduced rate
- You have the desire to earn a lower rate with on-time payments
- You don’t want to pay an annual fee or foreign transfer fee
GO2bank Secured Visa Credit Card
GO2bank Secured Visa Credit Card
- 22.99% Regular Purchase APR
- 26.99% Cash Advance APR
At a Glance
The GO2bank Secured Visa Credit Card is a basic secured credit card that offers decent value for its no annual fee. The card features a low deposit requirement, fixed APR, and the Visa payment network’s purchasing power.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No credit check to apply
- Fixed-rate APR on purchases
- Regular Purchase APR: 22.99%
- Cash Advance APR: 26.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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 $20
- Minimum Deposit Required: $100
- You have limited credit history but want to establish good credit habits
- You don’t have the money for a significant security deposit
- You prefer mobile banking over branches
- You do't want to pay an annual fee
M1 Visa® Debit Card
M1 Visa® Debit Card
At a Glance
The M1 Spend Visa® Debit Card provides M1 Finance customers with a streamlined approach to spending their available funds – and earning more with an eligible premium account. The Card earns up to 1% cash back and 1% APY on balances with a Spend Plus Account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Seamlessly integrates with M1's Invest and Borrow services
- Use the M1 Spend debit card anywhere Visa® is accepted
- Upgrade to M1 Plus for even more benefits and tools
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- You already invest with M1 Finance
- You plan to subscribe to $125/year Spend Plus Account
- You want to earn 1% APY and 1% cash back at the same time
- You'd rather not pay expensive foreign transaction fees
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What Is Fintech?
Fintech refers to digital technologies and financial services. The term “Fintech” is short for financial technology and relates to a variety of new financial products designed to overturn and disrupt traditional banks and banking services.
The roots of fintech lie in the 1950s and the introduction of the first credit cards. The industry saw further evolution in the 1960s, introducing ATMs and electronic stock trading systems in the 1970s. However, we commonly call fintech more closely associated with the digital boom and rise of the world wide web in the 1990s and 2000s.
Fintech’s role in banking growth is also not a new phenomenon. According to the US Chamber of Commerce, fintech is directly responsible for an explosion in banks throughout the last three-quarters of a century.
There were only approximately 13,500 banks in the United States in 1950. Thanks to the technological advances in the financial sector, that number rose to more than 83.000 in 2008. Today, neobanks and challenger banks are further pushing the limits of fintech – leading to a new banking revolution.
The future of fintech appears to be cryptocurrency, with a new range of credit cards earning rewards and cash back via Bitcoin, Ethereum, Dogecoin or other cryptocurrencies.
Where fintech in the 1950s introduced credit cards, the most recent trend in financial technology is disrupting the credit card status quo.
Examples of Fintech
Fintech is a broad term, making it difficult for many Americans to understand what exactly fintech is. Fortunately, there are plenty of common examples of fintech, which are essential components of our everyday lives.
Some examples of fintech services and technologies include:
Crowdfunding
Crowdfunding services, like GoFundMe, Kickstarter, and others are redefining how companies raise funds. These unique fundraising platforms also open up the funding market to charities, groups, and even individuals, thanks to lower costs, ease of advertisement, and streamlining of the entire process.
Mobile Wallets
Everyone is familiar with mobile wallets. Apple Pay, Samsung Pay, Google Pay features in most mobile phones, making online payments and contactless payments more safe and secure.
Services like Venmo, PayPal, and Square are also examples of fintech mobile wallets, allowing merchants to make purchases more straightforward for customers without cash – and allowing friends to split bills, lend to family or friends.
Credit Monitoring Apps
Like Experian and Credit Karma, credit monitoring apps let consumers monitor their FICO or VantageScore credit scores, track their financial progress, and match their credit profile with potential credit card offers.
Stock Trading Apps
While fintech was crucial in opening up the stock market to Americans in the 1950s and 1960s, mobile stock apps like Robinhood redefine how Americans trade in the 21st century. Mobile stock trading apps, including Acorns, allow investors to trade stocks from anywhere with their instead of visiting their stockbroker.
Fintech Credit Cards
Fintech credit cards come in two distinct varieties. The first type of fintech credit card is issued with a traditional banking partner or payment network. These cards prioritize unique rewards structures or features while maintaining a credit card’s classic look and feel.
The second type of fintech credit card is issued through what is known as a neobank. These credit cards bypass established banking partners and seek a new approach towards the credit card experience’s financial aspect.
What Is a Neobank?
Neobanks (also known as a challenger bank) is a new form of banking that prioritizes online financial services over traditional banking models. The internet-only approach of a neobank isn’t solely about “disrupting the norm” but instead helps save costs – savings passed on to the customer.
Some of the benefits of a neobank credit card include:
- Lower interest rates than traditional credit cards
- Reduced fees or no fees
- Access to underbanked communities
How Do Neobanks and Challenger Banks Differ from Traditional Banks?
Neobanks differ from traditional banks, like Citibank, Capital One, or JPMorgan Chase, in several ways:
- Not chartered with state or federal regulators
- Must partner with traditional banks to offer FDIC insurance for deposits
- Focus on digital processes and mobile apps
- Many don’t offer overdrafts on deposit accounts
Because of the reliance on new technologies, neobanks are not for everyone. Those unfamiliar with current technologies or apps may struggle when banking with a neobank. These fintech issuers also lack physical branches, making online banking the only option.
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