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Divvy Credit Card
Divvy Credit Card
At a Glance
The Divvy Card is a corporate business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% Balance Transfer APR
At a Glance
The Upgrade Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines from $500 to $25,000 in one unique package. The card provides consumers the flexibility and predictability to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – or any list of the best credit cards in the U.S.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus 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
- No annual fee
- 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.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99%
- Balance Transfer Transaction Fee: Up to 5%
- Foreign Transaction Fee: Up to 3%
- You struggle to pay off your credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You hate penalty or other hidden fees
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
Self Visa® Credit Card
Self Visa® Credit Card
- 28.74% (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: 28.74% (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
The Gemini Credit Card™
The Gemini Credit Card™
- 17.74% to 29.74% (Variable) Regular Purchase APR
- 30.74% (Variable) Cash Advance APR
At a Glance
The Gemini Credit Card earns up to 3% back in crypto rewards, with rewards automatically applied to the cardholder’s account. Even better, they can trade and sell their cash back credit card rewards to over 60 different assets – with no annual fee or hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 17.74% to 29.74% (Variable)
- Cash Advance APR: 30.74% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.74% (Variable)
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
- You prefer to earn credit card rewards as cryptocurrency
- You want to choose from over 60 different crypto assets
- You plan to spend heavily on groceries and dining
- You do't want to pay an annual fee
You've viewed 5 of 25 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.
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