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Cleo Credit Builder Card
Cleo Credit Builder Card
At a Glance
The Cleo Credit Builder Card, issued by WebBank, is designed to get your credit where it needs to be. Easy and convenient signup for the secured charge card takes just three minutes through the Cleo App. No hassles or hoops to jump through to get started. Stay focused on boosting your credit score without the worry of credit checks and no interest on purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- You want to build or establish credit without the fees of traditional credit cards
- You don’t mind paying a subscription to shape a better-looking credit score
- You would like a realistic line of credit to fit your lifestyle needs via a secured deposit
- You seek the convenience of an AI budgeting assistant in combination with credit building
Ollo Rewards Card
Ollo Rewards Card
- 23.99% to 28.99% variable based on creditworthiness Regular Purchase APR
- 23.99% to 28.99% variable based on creditworthiness Balance Transfer APR
- 23.99% to 28.99% variable based on creditworthiness Cash Advance APR
At a Glance
Earning unlimited cash back has never been easier thanks to the Ollo Rewards Mastercard; earn more from every dollar you spend and save money even as you make everyday purchases. Cardholders will earn 2% cash back on gas, groceries, and drugstore purchases in addition to 1% back on everything else and no surprise fees or penalty APRs. This is how to build credit – the right way.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 23.99% to 28.99% variable based on creditworthiness
- Balance Transfer APR: 23.99% to 28.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 23.99% to 28.99% variable based on creditworthiness
- 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
- You want a card with no surprise fees
- You want Zero Fraud Liability
- You are looking to build your credit score, or repair it, while earning up to 2% unlimited cash back
- You want a card with 24/7 customer service and online account access
Aspiration Debit Card
Aspiration Debit Card
At a Glance
The Aspiration Debit Card lets users do their part in conservation while earning impressive cash back on eligible purchases at the same time. The card, which features two tiers, offers up to 10% cash back on Conscience Coalition purchases, the opportunity to plant a tree with all eligible purchases, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get a sleek debit card made from recycled plastic
- Earn up to 3% 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
- You're a conscientious shopper who wants to help the environment
- You want to offset the carbon footprint of your gas purchases
- You want to earn cash back on shopping with ethical businesses
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 Plus 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
Brex Mastercard® Corporate Credit Card
Brex Mastercard® Corporate Credit Card
At a Glance
Brex is a fintech credit card and charge card with startups, entrepreneurs, and small businesses in mind. The Brex Mastercard offers no annual fee, no hidden fees, and credit limits “10 – 20X higher” than other corporate credit cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 10-20X higher limits than traditional business credit cards
- No personal guarantee required
- No fees and no interest charges
- Create virtual credit cards for your team as soon as you're approved
- Built-in QuickBooks, NetSuite, and Xero integrations
- You're willing to repay your balance in full within 30 days
- You need access to a high credit limit
- You travel for business frequently
- You plan to make use of Amazon Web Service (AWS) and Google Ad so you can earn credits provided by Brex
The Owner's Rewards Card by M1
The Owner's Rewards Card by M1
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Owner’s Rewards Card by M1 is a fintech credit card that offers cardmembers the chance to earn cash back – up to 10% for M1 Plus members and 1.5% for all other cardholders – on purchases with brands including Chewy, Spotify, Netflix, Tesla, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn cash back on everyday purchases 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 M1 helps you grow 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: 20.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You already have an M1 Plus account
- You regularly invest and want a credit card that can build your wealth with everyday transactions
- You shop at several leading brands that can earn you up to 10% cash back when you use the Owner’s Reward Card by M1
Capital on Tap Regular Rewards Business Visa
Capital on Tap Regular Rewards Business Visa
- 17.74% to 35.99% variable based on the Prime Rate Regular Purchase APR
- 35.99% Cash Advance APR
At a Glance
The Capital on Tap Regular Rewards Business Visa is the no annual fee business card offering from Capital on Tap and WebBank. The card features credit limits of up to $50,000, an APR as low as 10%, and 1% cash back on all purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Unlimited 1% cash back on every purchase
- Up to 20 additional employee cards free of charge
- No foreign transaction fees
- Regular Purchase APR: 17.74% to 35.99% variable based on the Prime Rate
- Cash Advance APR: 35.99%
- Penalty APR: 34.99% for 12 months
- Late Payment Penalty Fee: $29
- You have a U.S.-registered business with at least three months of trading history
- You have a good or excellent credit score
- You want additional employee cards to maximize rewards earning
- You don’t want to pay an annual fee
Capital on Tap Founder Rewards Business Visa
Capital on Tap Founder Rewards Business Visa
- 17.74% to 35.99% variable based on the Prime Rate Regular Purchase APR
- 35.99% Cash Advance APR
At a Glance
The Capital on Tap Founder Rewards Business Visa is the premium business card offering from Capital on Tap and WebBank. The card features the same credit limits of up to $50,000 as the no annual fee card, an APR as low as 10%, and the benefit of 2% cash back on all purchases – for a $199 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 2% cash back on every purchase
- Up to 20 additional employee cards free of charge
- No foreign transaction fees
- Interest rates as low as 9.99%
- Regular Purchase APR: 17.74% to 35.99% variable based on the Prime Rate
- Cash Advance APR: 35.99%
- Penalty APR: 34.99% for 12 months
- Annual Fee: $199
- Late Payment Penalty Fee: $29
- You have a U.S. registered business with at least three months of trading history
- You have a good to excellent credit score
- You want additional employee cards to maximize rewards earning
- You prefer earning a higher level of cash back rewards
- You spend enough to justify the $199 annual fee
The Gemini Credit Card™
The Gemini Credit Card™
- 17.99% to 29.99% (Variable) Regular Purchase APR
- 30.99% (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: 17.99% to 29.99% (Variable)
- Cash Advance APR: 30.99% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.99% (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
BILL Divvy Corporate Card
BILL Divvy Corporate Card
At a Glance
The BILL Divvy Corporate Card is a 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
You've viewed 5 of 26 credit cards
What Is “Fintech?”
Fintech refers to digital technologies and financial services. The term “Fintech” is short for financial technology and encompasses a range of new financial products to disrupt traditional banks and banking services.
The roots of fintech can be traced back to the 1950s when the first credit cards were introduced. The industry continued to evolve in the following decades, with the introduction of ATMs in the 1960s and electronic stock trading systems in the 1970s. However, in the digital boom and the rise of the World Wide Web in the 1990s and 2000s, fintech became more closely associated.
Fintech’s impact on banking growth is not a recent phenomenon. According to the US Chamber of Commerce, fintech has been directly responsible for the exponential increase in banks over the past three-quarters of a century.
In 1950, there were only approximately 13,500 banks in the United States. Thanks to technological advancements in the financial sector, that number rose to over 83,000 by 2008. Today, neobanks and challenger banks are pushing the boundaries of fintech even further, leading to a new banking revolution.
Examples of Fintech
Fintech is a broad term that can be difficult for many Americans to understand. Fortunately, there are plenty of common examples of fintech that are essential components of our everyday lives.
- Crowdfunding: Crowdfunding services, such as 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. They offer lower costs, ease of advertisement, and streamlining of the entire process.
- Mobile Wallets: Mobile wallets, such as Apple Pay, Samsung Pay, and Google Pay, are familiar to everyone. They make online payments and contactless payments more safe and secure. Services like Venmo, PayPal, and Square are also examples of fintech mobile wallets. They allow merchants to make purchases more straightforward for customers without cash and enable friends to split bills or lend money to family or friends.
- Credit Monitoring Apps: Credit monitoring apps, like Experian and Credit Karma, 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 instead of visiting their stockbroker.
What Is a Fintech Credit Card?
A fintech credit card is offered by a financial technology (fintech) company, which typically operates online or through mobile apps. These credit cards often have innovative features and services that differentiate them from traditional bank-issued credit cards.
Types of Fintech Credit Cards
Fintech credit cards come in two distinct varieties.
Traditional Banking Partner or Payment Network
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.
Neobank
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 financial aspect of the credit card experience.
Benefits of Fintech Credit Cards:
- Innovative Features: Fintech credit cards often introduce new features and technologies to improve the customer experience.
- Personalized Services: By leveraging data analytics, fintech credit cards can offer personalized services tailored to individual spending habits.
- Convenience: Their digital nature and user-friendly interfaces make fintech credit cards convenient for tech-savvy consumers.
Limitations of Fintech Cards:
- Brand Recognition: Fintech companies may face challenges in establishing the same level of brand recognition and trust as traditional banks.
- Regulatory Compliance: Adhering to financial regulations and ensuring data security can be complex for fintech companies entering the credit card market.
Key Features of Fintech Cards
- Digital-first Approach: Fintech credit cards are often designed to be managed entirely through digital platforms, offering a seamless and user-friendly experience.
- Innovative Rewards and Benefits: Fintech credit cards may offer unique rewards programs, cashback offers, or other perks designed to appeal to specific customer segments.
- Data-Driven Insights: Some fintech credit cards leverage advanced data analytics to give customers personalized spending insights and financial management tools.
- Flexible and Transparent Terms: Fintech credit cards may simplify the terms and conditions associated with credit card usage, offering more transparency and flexibility.
- Integration with Fintech Ecosystem: These credit cards may be integrated with other fintech services, such as budgeting apps, investment platforms, or digital wallets.
Conclusion
With their modern and innovative approach, Fintech credit cards are revolutionizing the credit card industry. By harnessing the power of technology, these cards offer consumers a range of enhanced services and benefits, making them a popular choice in today’s digital age. With their user-friendly interfaces and seamless integration with mobile apps, fintech credit cards are transforming the way people manage their finances.
These cards provide a convenient and efficient way to make payments, track expenses, and access rewards and discounts. Additionally, fintech credit cards often come with advanced security features, such as biometric authentication and real-time fraud detection, ensuring that consumers can use their cards with peace of mind. With the rise of fintech companies and the increasing demand for digital financial solutions, it is clear that fintech credit cards are here to stay. As technology evolves, we can expect even more exciting developments in this space, further enhancing the benefits and services offered by fintech credit cards.
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Fintech Credit Cards
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