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Upgrade Triple Cash Rewards Visa®
See if You Qualify in Minutes Without Hurting Your Credit Score
- Regular Purchase APR 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 annual fee, $0 activation fees, $0 foreign transaction fees
- Combine the flexibility of a credit card with the predictability of a personal loan
- 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
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI.
- Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
+ 0.4% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
Divvy Credit Card
Spend Management and Business Cards Made Simple
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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
+ 2.5% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
Upgrade Cash Rewards Visa®
Earn 1.5% Unlimited Cash Back
- Regular Purchase APR 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- $0 annual fee, $0 activation fees, $0 foreign transaction 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
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
+ 2.5% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
Avant Credit Card
Applying Won't Affect Your Credit Score
- Regular Purchase APR 29.24% (variable)
- Cash Advance APR 29.24% (variable)
- Annual Fee $0 to $59
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , No Credit Required
- Processing Network Mastercard
- Check eligibility with no hard pull
- Elegant mobile interface for monitoring purchases
- Zero fraud liability
- No foreign transaction fee
- Regular Purchase APR: 29.24% (variable)
- Cash Advance APR: 29.24% (variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of the cash advance, whichever is greater
- Annual Fee: $0 to $59
- Late Payment Penalty Fee: Up to $39
+ 0.8% cash back
+ 2.5% cash back
+ 2.5% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
GO2bank Secured Visa Credit Card
Build Your Credit with No Credit Check
- Regular Purchase APR 22.99%
- Cash Advance APR 26.99%
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Visa
- 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
+ 0.8% cash back
+ 2.5% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 2.5% cash back
Aspiration Zero Credit Card
Plant Trees with Every Purchase
- Regular Purchase APR 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 22.00% to 26.00% variable based on creditworthiness and the Prime Rate
- Annual Fee $60
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Plant a tree with every purchase
- Reach carbon neutral and earn 1% cash back for every purchase in that billing period
- Sustainable card design, made with plant-based materials
- Regular Purchase APR: 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.40% to 25.20% 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: 22.00% to 26.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Annual Fee: $60
- Foreign Transaction Fee: 2% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $35
+ 1.2% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 1.6% cash back
Aspiration Debit Card
Up to 10% Cash Back on Debit Card Purchases
- Annual Fee None ($7.99/month for the Aspiration Plus)
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- Get a sleek debit card made from recycled plastic
- Earn up to 1% APY interest on your Save Account
- Get one out-of-network ATM fee reimbursed per month
- Deposits do not fund fossil fuel exploration or production
- Option to plant a tree with every roundup
- Annual Fee: None ($7.99/month for the Aspiration Plus)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars when using foreign ATMs
- Minimum Deposit Required: $10
+ 1.6% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
The Owner's Rewards Card by M1
Earn up to 10% cash back with the Owner's Rewards Card by M1!
- Regular Purchase APR 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth
- Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus
- Use M1 automation to easily reinvest your rewards for long-term impact
- Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions
- Visa Signature® benefits including Zero Liability, exclusive experiences, and more
- The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions
- There is no annual fee
- Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
Self Visa® Credit Card
Get the Savings Plan That Helps Build Credit Today!
- Regular Purchase APR 28.24%
- Annual Fee $25
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 28.24%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
+ 1.2% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 2.5% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
SoFi Credit Card
Earn Unlimited 2% Cash Back
- Regular Purchase APR 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 31.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 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: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.24% to 29.24% 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: 31.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
+ 0.8% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 2.5% cash back
+ 0.8% cash back
You've viewed 10 of 26 credit cards
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.
The Best Fintech & Crypto Credit Cards of 2022
Neobank and fintech cards are everywhere nowadays, but which are the best? Here are BestCards’ top fintech credit cards for 2022.
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