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Compare the Best Fintech Credit Cards

Fintech companies, startups, and neobanks have an increasing presence in the financial space. While the concept of fintech companies entering the banking sector isn’t new, their foray into the credit card market is. Browse the best fintech credit card offers from our partners below.

Upgrade Visa® Card with Cash Rewards

Earn 1.5% Unlimited Cash Back

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
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Petal 1® Visa Credit Card

Higher Limits, Better Rates, No Annual Fee

Petal 1® Visa Credit Card
  • Regular Purchase APR 19.99% to 29.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 19.99% to 29.49% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: $29
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Petal 2 Visa® Credit Card

Earn Up To 1.5% Cash Back On All Purchases

Petal 2 Visa® Credit Card
  • Regular Purchase APR 12.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Up to 10% back with select merchants
Rates & Fees
  • Regular Purchase APR: 12.99% to 26.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

SoFi Credit Card

Earn Unlimited 2% Cash Back

SoFi Credit Card
  • Regular Purchase APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.99% to 24.99% 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: 26.99% 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

Venmo Visa Credit Card

Earn Up to 3% Cash Back Automatically

Venmo Visa Credit Card
  • Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn custom cash back rewards – up to 3% on your top spend category
  • Syncs seamlessly with the Venmo app
  • Visa contactless technology allows you to shop securely at contactless-enabled terminals
  • Choose from various colors, and each card contains a unique QR code that takes users straight to your profile
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.24% 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 $40
  • Return Payment Penalty Fee: Up to $29
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Apple Card

Earn Up to 3% Cash Back + No Fees of Any Kind

Apple Card
  • Regular Purchase APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn cash back with every purchase
  • No hidden fees
  • Get a detailed breakdown of your spending from your iPhone
Rates & Fees
  • Regular Purchase APR: 10.99% to 21.99% variable based on creditworthiness and the Prime Rate

Deserve® EDU Mastercard

No Deposit Required. No Annual Fees

Deserve® EDU Mastercard
  • Regular Purchase APR 18.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
  • 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)
  • Feel secure with cell phone protection up to $600
  • No international transaction fees on purchases abroad so you can travel with confidence
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25. First late fee waived
  • Return Payment Penalty Fee: Up to $37

Ollo Platinum Card

No Penalty APR, No Annual Fee

Ollo Platinum Card
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $0 to $39
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • No annual fee, no foreign transaction fees
  • Automatic credit line increase reviews
  • Zero Fraud Liability
  • Online and mobile access, 24/7 U.S. based customer service
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Balance Transfer APR: 24.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 to $39
  • Late Payment Penalty Fee: Up to $40

Ollo Rewards Card

Earn Unlimited 2% Cash Back

Ollo Rewards Card
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $0 to $39
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • Low, competitive annual fee
  • Unlimited 2% cash back on gas station, grocery store and drugstore purchases. 1% cash back on all other purchases.
  • No foreign transaction fees, no over the limit fees, no returned payment fees
  • Zero Fraud Liability
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Balance Transfer APR: 24.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 to $39
  • Late Payment Penalty Fee: Up to $40

Avant Credit Card

Applying Won't Affect Your Credit Score

Avant Credit Card
  • Regular Purchase APR 23.99% to 25.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% to 25.99% variable based on the Prime Rate
  • Annual Fee $0 to $39
  • Credit Needed Fair , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Check eligibility with no hard pull
  • Elegant mobile interface for monitoring purchases
  • Zero fraud liability
  • No foreign transaction fee
Rates & Fees
  • Regular Purchase APR: 23.99% to 25.99% variable based on the Prime Rate
  • Cash Advance APR: 23.99% to 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of the cash advance, whichever is greater
  • Annual Fee: $0 to $39
  • Late Payment Penalty Fee: Up to $39

Jasper Mastercard®

Credit History Not Needed to Apply

Jasper Mastercard®
  • Regular Purchase APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair , Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Earn 1% cash back automatically anywhere you shop
  • A credit history is not required to apply
  • Get up to a $5,000 credit limit
  • Unique autopay settings, push notifications, and utilization alerts help manage your account
Rates & Fees
  • Regular Purchase APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.99% to 29.99% variable based on creditworthiness and 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 $27
  • Return Payment Penalty Fee: Up to $27

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.

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 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 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.

Examples of Fintech Credit Cards

What Are the Best Fintech 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. Browse some of our favorite fintech and neobank credit cards by checking out:

The Five Best Fintech and Neobank Credit Cards of 2020