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M1 Visa® Debit Card
- Annual Fee None
- Credit Needed No Credit Required
- Processing Network Visa
- 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
Divvy Credit Card
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Visa
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
Upgrade Triple Cash Rewards Visa®
- Regular Purchase APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Visa
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- Regular Purchase APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
Deserve® EDU
- Regular Purchase APR 18.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
- Feel secure with cell phone protection up to $600
- No international transaction fees on purchases abroad so you can travel with confidence
- No Social Security Number required for international students to apply
- Regular Purchase APR: 18.74% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
Self Visa® Credit Card
- Regular Purchase APR 23.99%
- Annual Fee $25
- Credit Needed Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- Regular Purchase APR: 23.99%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
Upgrade Visa® Card with Cash Rewards
- Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Visa
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Cleo Credit Builder Card
- Annual Fee None
- Credit Needed Poor , No Credit Required
- Processing Network Visa
- Put cash into your security deposit, which acts as, and increases, your credit line
- Account status is reported to 3 credit bureaus (Experian, Equifax, TransUnion)
- Cleo Credit Builder Card helps you build up your score over time
- No interest rates or fees
- Must have a Cleo Builder Subscription plan to apply for the Cleo Credit Builder Card
- Minimum Deposit Required: $1
Miami Marlins Credit Card
- Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- Earn 5% cash back at retail and concessions at loanDepot park
- Earn 5X points on Marlins tickets
- 3X points on dining, food delivery, gas, and drugstores
- Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: Up to 29.99%
Cleveland Cavaliers Credit Card
- Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- No foreign transaction fees
- Earn 5X points on Cavs season tickets and streaming services
- 10% cash back at the Cavs team shop
- Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
Manchester United Credit Card
- Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- No annual fee
- No foreign transaction fees
- Earn 5X points at bard and restaurants on official matchdays
- 10% cash back on official Manchester United merchandise purchases
- Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
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.
What Are the Best Fintech Challenger Bank, and Neobank Credit Cards?
Fintech companies are taking a fresh look at the credit card market and offering applicants something new. These new features include saying goodbye to fees, changing how consumers pay down debt, and offering the types of perks and rewards that many major issuers are ignoring.
