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Manchester United Credit Card
Manchester United Credit Card
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Manchester United Credit Card is a Mastercard from Cardless that provides U.S. fans of one of the world’s largest soccer teams savings on merchandise and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5X points at bar and restaurants on official matchdays
- 10% cash back on official Manchester United merchandise purchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You want a credit card that prioritizes savings on Manchester United related purchases
- You stream matches through Peacock
- You want the chance at a free home shirt after meeting a minimum spend requirement
- You do't want to pay an annual fee
Miami Marlins Credit Card
Miami Marlins Credit Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Miami Marlins Credit Card is a Mastercard from fintech Cardless that lets Marlins fans everywhere show their 305 pride with every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Penalty APR: Up to 29.99%
- You frequently visit loanDepot (formerly Marlins) Park
- You want additional savings on dining, food delivery, gas station, and drugstore purchases
- You don’t want to pay an annual fee
Klutch Card
Klutch Card
- 5% to 25% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Klutch Card is a fresh look at the tired, old credit card. Instead of relying on the tried and true features, Klutch offers an ever-increasing number of apps and integrations, which seamlessly link with the card and offer a unique, customized experience. Even better, the Klutch card earns up to 6% cash back on purchases, features no hidden fees, and offers an exceptionally-low APR (for some).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Endless integrations via MiniApps. You can even create your own integrations
- Earn up to 6% cash back on eligible purchases
- Regular Purchase APR: 5% to 25% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You don’t want to pay an annual fee
- You enjoy adding integrations and apps to your card – a unique feature not found on any other card
- You understand coding and want to create custom integrations for your shopping and budget needs
Apple Card
Apple Card
- 15.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
You don’t need to need to be a die-hard fan to fall in love with the intelligently designed Apple Card. Designed for digital use in conjunction with Apple Pay (spoiler: an iPhone is required), this card boasts no annual fee – or any fees for that matter – up to 3% cash back for Apple and other popular retailers, automatic cash back rewards, a gorgeous interface for monitoring your spending, and innovative security features to make credit card theft a worry of the past.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn cash back with every purchase
- No hidden fees
- Get a detailed breakdown of your spending from your iPhone
- Regular Purchase APR: 15.74% to 26.74% variable based on creditworthiness and the Prime Rate
- You own an iPhone (or are planning to buy one)
- You're loyal to the Apple ecosystem
- You frequently use your mobile device for making purchases (a.k.a. your digital wallet)
- You do't want to worry about carrying your wallet everywhere you go to make purchases
- You do't want the hassle of deciding how to redeem rewards
Venmo Visa Credit Card
Venmo Visa Credit Card
- 20.24%, 26.249% or 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Venmo Visa Credit Card is a unique twist on fintech credit cards. The card, from Synchrony Bank, offers up to 3% cash back on purchases, with rewards automatically calculated and debited into the associated Venmo account. The card also offers no annual fee and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 20.24%, 26.249% or 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.99% 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 $41
- Return Payment Penalty Fee: Up to $30
- You already use Venmo or are interested in using it
- You want a simple, automatic rewards structure
- You don’t want to pay an annual fee or foreign transaction fee
Zerocard
Zerocard
- 24.99% variable based on the Prime Rate 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
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on purchases by default - get higher rates through referrals
- Purchases are immediately reflected in your Zero checking account
- Unlimited earnings
- No annual fee
- No foreign transaction fee
- 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
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $25
- N/A
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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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