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Amazon Store Credit Card
Amazon Store Credit Card
- 29.99% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Amazon Store Credit Card is a no annual fee store card from Synchrony. The card offers the option of 5% cash back or 0% APR financing on Amazon purchases, and a lot more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5% cash back at Amazon.com and Amazon physical stores
- Special promotional financing for 6, 12, or 24 months
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You shop with Amazon frequently
- You have an active Amazon Prime membership
- You want to earn 5% back on purchases
- You don't want to pay an annual fee
Synchrony Preferred World Mastercard®
Synchrony Preferred World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Preferred World Mastercard® offers basic rewards and a simple redemption process, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 29.99%
- 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 $41
- Return Payment Penalty Fee: $39
- You have good credit
- You prefer cash back rewards as a statement credit
- You don’t want to pay an annual fee
Sony Visa®
Sony Visa®
- 19.24%, 25.24%, or 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sony® Visa® Credit Card is a retail rewards card from Comenity Bank. This no annual fee retail card provides plenty of points for Sony aficionados but comes up short when redeeming rewards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 5X points on entertainment and Sony purchases with Sony or eligible 3rd-party retailers
- Earn 2X points on dining and rideshares
- Earn 1 point per $1 spent on all other purchases
- Regular Purchase APR: 19.24%, 25.24%, or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or % of the amount of each transfer, whichever is greater
- 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
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You love everything Sony - from movies, to electronics, to the PlayStation gaming ecosystem
- You prefer to redeem rewards to a rewards catalog
- You want a stylish card that shows your love for your favorite game or 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
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What Is a Fair Credit Score?
A fair, or average, credit score is one that isn’t good but still qualifies the individual for a wider selection of credit cards than those with bad credit or no credit history at all.
There are different standards of what is an “average” credit score, depending on the scoring model the card issuer uses. The two most popular scoring models are FICO and VantageScore. FICO is the older of the two, while VantageScore is a creation of the three major credit bureaus, designed to offer a different viewpoint to FICO.
FICO is by far the more popular scoring system, with over 90% of lenders preferring the FICO method to gauge an applicant’s creditworthiness. On the FICO scale, a “fair” credit score is between 580 and 669. The FICO system ranges from 300 (no credit/ very poor) to 850 (exceptional). So, everyone wondering if a 600 credit score is average can rest assured, that yes, it is.
VantageScore is similar to FICO but places a larger emphasis on newer credit. Like FICO, VantageScore ranges from 300 to 850, with fair credit ranging from 601 to 660. A 600 credit score with VantageScore, therefore, is “poor.”
Is Fair Credit Bad?
While having an average credit score isn’t the worst, it isn’t good either. People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.
That said, having fair credit isn’t bad either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card. Unlike secured credit cards, which require a deposit, no deposit is required with a traditional credit card.
While a credit score between 600 to 650 is subprime, it isn’t unusual. According to Experian, on the three largest credit bureaus, 17% of Americans have a fair credit score. Additionally, 16% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit. With VantageScore, the average is even higher. Using their scoring method, 38% of Americans have subprime credit, with 13% of those having an average credit score.
Impacts of Fair Credit
The biggest impact of subprime credit is higher interest rates with loans and credit. On average, people with average credit have an APR of almost 10-percentage-points than people with excellent credit:
| Score | APR |
| Excellent Credit | 14.49% |
| Good Credit | 18.99% |
| Average Credit | 24.24% |
| Bad Credit | 29.74% |
| No Credit | 27% |
But that’s just credit cards. Fair credit (or subprime or near-prime). The differences in loan rates for a near-prime and a deep-subprime credit profile is extreme, as seen below:
| Credit Profile | Avg. Loan APR |
| Super-Prime | 3.65% |
| Prime | 4.68% |
| Near-Prime | 7.65% |
| Subprime | 11.92% |
| Deep-Subprime | 14.39% |
Common Features of Fair Credit Score Cards
Credit cards for average credit scores in the 600s have some common features. These features include:
| ① Annual fees | When it comes to credit cards for average or fair credit scores, expect to pay an annual fee. Fair credit scores are usually the step between secured credit and rewards cards. Outside of proprietary cards from larger banks, expect to pay an annual fee of between $24 and $75 each year. |
| ② Higher APR | People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 20%.Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them. Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit. |
| ③ Lower credit limits | Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit. While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time. |
| ④ Rewards | While not common, there are some quality rewards credit cards for people with a fair credit score. Still, better rewards and welcome bonuses come with goodr or excellent credit. |
Can You Earn Rewards with Average Credit?
Just because you have average credit doesn’t mean you can’t earn rewards. There is plenty of great cash back and rewards credit cards for people with fair credit:
| Card | Rewards | Annual fee |
 Upgrade Cash Rewards Visa® |
Earn 1.5% unlimited cash back on card purchases every time you make a payment | None |
 Upgrade Triple Cash Rewards Visa® |
Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else | None |
 Upgrade Visa® Card with Bitcoin Rewards |
Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases | None |
 Sam’s Club® Mastercard® |
5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%), 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back, 3% cash back on dining and takeout, and 1% on all other purchases. | None |
 Petal 2 Visa® |
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. | None |