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Xbox Mastercard
Xbox Mastercard
- 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 32.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Xbox Mastercard is an interesting retail credit card from Barclaycard. The card earns an impressive 5X points on eligible Microsoft purchases, 3X on streaming and dining, and 1X on everything else. New accounts also enjoy a decent point bonus and free trial of Xbox Game Pass Ultimate just for using the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5X points on eligible Microsoft or Xbox purchases
- Earn 3X points on select streaming and dining
- Earn 1 point per $1 spent on all other purchases
- Regular Purchase APR: 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99%, 26.99% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Cash Advance APR: 32.49% variable based on the Prime Rate
- 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 $41
- Return Payment Penalty Fee: Up to $41
- You prefer Xbox as your gaming platform
- You're considering buying a new Xbox console and want to earn points on it
- You want a stylish card that shows your love for your favorite game series
- You don’t want to pay an annual fee
Target RedCard™ Mastercard
Target RedCard™ Mastercard
- 28.15% variable based on the Prime Rate Regular Purchase APR
- 31.15% variable based on the Prime Rate Cash Advance APR
At a Glance
The Target RedCard™ is a family of credit, debit, and prepaid cards from Target and TD Bank, with the most interesting option the no annual fee Target RedCard™ Mastercard. The card offers 5% off on Target purchases, plus 2% cash back on gas and dining, and 1% back on everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 5% savings at Target and Target.com
- 2% cash back on dining and gas station purchases
- 1% back on all other purchases
- Additional 30-day return policy on select items
- 2-day delivery
- No annual fee
- Regular Purchase APR: 28.15% variable based on the Prime Rate
- Cash Advance APR: 31.15% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% 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 primarily shop at Target for your groceries or household items
- You want basic rewards for gas and dining purchases
- You have a good or excellent credit score
- You want a card with no annual fee
Square Credit Card
Square Credit Card
- See Terms Regular Purchase APR
At a Glance
The Square Credit Card is an invite-only business credit card for Square sellers and works in synchronicity with Square’s financial management tools and savings. It features no annual fee, free processing rewards, and an easy application process. Square Inc. is a company that offers payment services to businesses of all sizes. Its recent addition, the Square Credit Card, features zero fees and a streamlined platform to manage your business budgets.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- See if you qualify without harming your credit score via an easy application process
- Integrates seamlessly with other Square services for easier card management
- Zero fees - never pay a fee for late payments, annual renewals, or anything else
- The cards rewards system is designed to earn cardholders free processing fees
- Credit limits are based on sales processed through Square so you'll have access to the right amount of cash
- Confidently use the sleek metal card equipped with fraud protection and automatic repayment options
- Regular Purchase APR: See Terms
- You're already a Square seller looking to streamline your business money with credit
- You want to earn free Square processing as a reward for using your Square Credit Card
- You want the peace of mind of paying zero fees on your business credit card
- You don't mind a credit limit based on your Square sales
Citizens Private Client™ World Elite Mastercard®
Citizens Private Client™ World Elite Mastercard®
- 18.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Citizens Private Client™ World Elite Mastercard® provides Citizens Banks best cash back rewards and more. Earn 2% back on all purchases and enjoy lounge access, priority security, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee with a Citizens Private Client™ account
- No foreign transaction fees
- TSA Precheck or Global Entry statement credits
- Priority Pass Select
- Regular Purchase APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99% to 26.99% 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: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $195 ($0 for Citizens Private Client™ clients)
- Late Payment Penalty Fee: $41
- You want to earn 2% back on all purchases
- You are an existing Citizens Private Client™ client
- You plan to travel and make use of lounge access
- You want TSA Precheck or Global Entry to speed through airport security
Fifth Third Preferred Cash/Back Card
Fifth Third Preferred Cash/Back Card
- 20.49% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Fifth Third Preferred Cash/Back Card is Fifth Third's best cash back rewards credit card. The card earns an unlimited 2% cash back on all eligible purchases, with no caps, annual fee, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Regular Purchase APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% 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 $40
- Return Payment Penalty Fee: Up to $40
- You currently have a Fifth Third Preferred Checking account
- You don't want to pay an annual fee or hidden fees
- You don't want to bother with a confusing rewards program and instead earn unlimited rewards on every purchase
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What Is an Excellent Credit Score?
An “excellent” credit score varies depending on the scoring model you use. Both FICO and VantageScore – the two most popular scoring models – have slightly different calculations for what is a good score and what they consider excellent. The FICO scoring model is the most popular credit scoring model with banks. The FICO scoring range is from 350 to 850, with anything over 800 considered “excellent.”
VantageScore, like FICO, also measures the creditworthiness and reliability of potential applicants. While less popular than FICO, VantageScore is the creation of the three major credit bureaus: Equifax, Experian, and TransUnion. The VantageScore model ranges from 300 to 850, with scores over 781 deemed “excellent.”
What Are the Benefits of Having Excellent Credit?
Having great credit can open a lot of financial doors. Goor or excellent credit scores provides you with a greater selection of options, more rewards, and more. Here are a few of the benefits of having excellent credit:
| ① Lower interest rates | Good and excellent credit means the best interest rates on credit cards and other loans. The average APR for someone with excellent credit is around 4% lower than the rate for those with good credit and approximately 12% lower than an applicant with fair credit. You may also qualify for lower balance transfer fees or no foreign transaction fees. |
| ② Rewards | Since an excellent credit means the best card offers, it also means better rewards. Rewards come in the form of cash back, points, or miles and vary in value depending on the issuer. Before applying for your next credit card, always read the terms and conditions of the rewards program to see how you earn points (the rewards rate) – and how you redeem them. |
| ③ Credit limits | Have a Prime of super Prime credit score can help get you approved for higher credit limits than counterparts with average or bad credit. The same is true for other credit products, including auto loans, mortgages, and personal loans. |
| ④ Welcome bonuses | Many credit cards for good or excellent credit offer welcome bonuses, which means new cardholders earn extra rewards, such as cash back, points or miles, when they use their card to meet spending or other requirements. |
| ⑤ Perks | The very best credit cards (and charge cards) come with the very best perks. Most of the top luxury credit cards offer travel benefits that far exceed their annual fees. These perks include hotel upgrades, dedicated concierge, lounge access, Global Entry or TSA statement credits, and more. |
As noted, excellent credit typically means a great interest rate on your loans and credit cards. Lenders view applicants with excellent credit scores as less risky borrowers, meaning a high credit score means lower APR, lower monthly payments, and less money spent on interest over the life of the loan.
How much money can you save with a Prime, or super-Prime, credit score? Here are the average APRs for credit cards based on credit profile:
| Score | APR |
| Excellent Credit | 14.49% |
| Good Credit | 18.99% |
| Average Credit | 24.24% |
| Bad Credit | 29.74% |
| No Credit | 27% |
How to Get an Excellent Credit Score
Getting the best credit scores requires patience and hard work. An excellent credit score doesn’t happen overnight. Instead, it takes years of good financial habits. The easiest way to build an excellent credit score is to follow these three simple steps:
| ① Check and review your credit reports | Ⓐ Check your credit reports from all three of the nationwide consumer reporting agencies: Equifax, Experian, and TransUnion. |
| Ⓑ Check for negative credit information, like potential fraud or ID theft, accounts in collection, or unpaid balances. | |
| ② Pay your bills on time | Ⓐ Automatic payments are a great way to avoid accidentally missing a payment. |
| Ⓑ Splitting monthly payments into two smaller payments can help stretch budgets while ensuring you pay on time. | |
| ③ Keep credit use low | Ⓐ Credit utilization accounts for roughly 30% of your credit score, so aim to keep credit use as low as possible. |
| Ⓑ Consider a balance transfer credit card if your credit use is creeping up and you want to consolidate that debt into one new account, typically at 0% Intro APR. | |
| ④ Limit new applications | Limit any new credit applications to only what is essential (i.e. if applying for a balance transfer credit card). |
| ⑤ Keep old accounts open | Don’t close any old, unused accounts. Closing accounts can lower your average credit utilization. |
Of the information above, paying your bills on time is the most critical. Payment history is the most important factor in determining your credit score, making up over a third of your FICO Score. Try setting up bi-weekly payments so you can keep your credit use low.
Your credit utilization is how much credit you’re using compared to the amount you have available. Always try yo aim to keep your credit utilization below 30% of your available credit limit, though if you want to reach excellent credit it is better to aim for 10% overall credit use – or less.