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Truist Enjoy Cash Secured Credit Card
Truist Enjoy Cash Secured Credit Card
- 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 24.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Enjoy Cash Secured Visa® Credit Card is a secured cash back credit card from Truist. The card offers elevated cash rewards on gas, groceries, and utilities, plus the chance to build a positive credit history for a modest $19 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all other eligible purchases
- Unlimited cash back rewards
- Monthly payment history will be reported to three major credit bureaus
- Up to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- Low annual fee
- Regular Purchase APR: 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $19
- Late Payment Penalty Fee: Up to $40
- Minimum Deposit Required: See Terms
- You already bank with Truist
- You can afford the $400 minimum deposit requirement
- You want versatile cash back rewards
Truist Future Credit Card
Truist Future Credit Card
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Truist Future Visa Credit Card offers 15 months of 0% intro APR on purchases and balance transfers, a competitive APR after that, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You have an existing credit card balance you want to pay down
- You're planning a big-ticket purchase
- You have excellent credit and can access the very best interest rates
- You do't want to pay an annual fee
Notre Dame EDU Credit Card
Notre Dame EDU Credit Card
- 23.99% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Notre Dame EDU Credit Card is a no annual fee student credit card that provides the ideal credit building base for Notre Dame students everywhere – including international students. The card, issued through Celtic Bank and Deserve, provides unlimited 1% cash back on purchases, the chance at free Amazon Prime Student, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1% cash back on all purchases
- Enjoy Amazon Prime Student for one year
- Cell phone protection for up to $600 when you pay your monthly cell phone bill with your card
- No foreign transaction fees
- Regular Purchase APR: 23.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You attend the University of Notre Dame
- You're an international student and don’t have a Social Security Number (SSN)
- You want complimentary Amazon Prime Student on Deserve (after spending $500)
- You want cell phone protection
- You don’t want to pay an annual fee
Self Visa® Credit Card
Self Visa® Credit Card
- 29.24% (Variable) Regular Purchase APR
At a Glance
The Self Visa® Credit Card is a secured credit card that pairs with an existing Self Credit Builder Account. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
-
If you have an active Credit Builder Account in good standing, 3 on time payments, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the Self Secured Visa Credit Card*, without a hard credit check. Criteria subject to change. • Build credit and savings at the same time. • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus. • At the end of your plan, unlock the savings you built — minus interest and fees. • The Self Visa® Secured Credit Card* is accepted at millions of locations in the U.S.
*Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Self Visa® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval.
- Regular Purchase APR: 29.24% (Variable)
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
- You're serious about raising your credit score
- You already have a Self Credit Builder Account
- You don’t mind the card's $25 annual fee
- You plan to pay your card balance in full every month
Free Spirit® Points Plus Mastercard®
Free Spirit® Points Plus Mastercard®
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Free Spirit® Points Plus Mastercard® is a premium, invite-only airline rewards credit card from Mercury Financial. The card features 3X points on Spirit flights and purchases, 2X on dining and groceries, a decent signup bonus, and no foreign transaction fees – all for an annual fee of $79.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3x Free Spirit Points per $1 on Spirit purchases
- Earn 2x Free Spirit Points per $1 on grocery and dining purchases
- Earn 1x Free Spirit Points per $1 on all other purchases
- Invitation required to apply
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Balance Transfer APR: 29.99% 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: 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
- Annual Fee: $0 to $79
- Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: n/a
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury
- You fly with Spirit or travel occasionally
Mission Money Visa® Debit Card
Mission Money Visa® Debit Card
At a Glance
The Mission Money™ Visa® Debit Card is a fee-free debit card that offers a helpful mobile app to streamline your day-to-day finances. From Mission Lane, the card offers no foreign transaction fees, no monthly service fees, and no hidden fees of any kind.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No account fees, no balance minimum
- Access to 55,000 ATMs nationwide, fee-free
- The coverage of VISA®, the security of FDIC
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: $0
- Return Payment Penalty Fee: $0
- Over Limit Penalty Fee: $0
- You want a spending account with no account fees or balance minimums
- You want access to 55,000 ATMs nationwide, fee-free
- You don’t want a credit check but still want the coverage of Visa® and the security of FDIC
- You don’t want to pay foreign transaction fees
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- 9.99% Fixed Rate Regular Purchase APR
- 9.99% Fixed Rate Cash Advance APR
At a Glance
The Applied Bank® Secured Visa® Gold Preferred® Card offers those with limited credit history or a poor credit score the chance to receive a full-fledged Visa card without the need for a credit check. The card also boasts and impressively low fixed APR on purchases and cash advances – all for the modest annual fee of $48.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- Regular Purchase APR: 9.99% Fixed Rate
- Cash Advance APR: 9.99% Fixed Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- Minimum Deposit Required: $200
- You have bad credit, limited credit, or no credit history at all
- You want a card that automatically reports to all the major credit bureaus
- You are tired of spending money on reloadable prepaid cards
- You can make a minimum deposit of at least $200
Sam's Club® Mastercard®
Sam's Club® Mastercard®
- 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.9% or 28.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.90% or 31.65% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You're a current Sam’s Club or Sam’s Club Plus member
- You frequently purchase gasoline with a credit card
- You do't want to pay an annual fee or foreign transaction fee
- You spend heavily on dining each month
Verve Mastercard®
Verve Mastercard®
- See Terms* Regular Purchase APR
- See Terms* Cash Advance APR
At a Glance
The Verve Mastercard® is a no-frills credit card that offers a lifeline to those with bad credit. From Continental Finance and Bank of Missouri, the card features a modest credit limit, the chance at a credit line increase after six months, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $300.00 to $1,000.00* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
- You have damaged credit
- You want to establish a good credit history with on-time payments
- You do't want a secured credit card
- You have a mail offer to apply to
Cerulean Mastercard®
Cerulean Mastercard®
- See Terms* Regular Purchase APR
- See Terms* Cash Advance APR
At a Glance
The Cerulean Mastercard offers a lifeline to those with imperfect credit by providing unsecured credit lines and monthly reporting to the major credit bureaus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $300.00 to $1,000.00* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
- You have damaged credit
- You want to establish a good credit history with on-time payments
- You don’t have the funds for a security deposit
- You have a mail-offer to apply
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What is a Fair Credit Score?
A fair credit score is a middle-ground rating, indicating that you have a decent credit history but may still need improvement. A credit score or rating is a three-digit number that reflects your creditworthiness based on your credit history. It ranges from 300 to 850, with higher scores indicating lower credit risk. An average or fair credit score typically falls within the range of 580 to 669. While it may not be the highest score possible, it still offers opportunities for securing credit and demonstrates a moderate level of financial responsibility.
Lenders consider fair credit as an average credit risk, neither excellent nor bad. With a fair credit score, sometimes called a near-prime credit score, you can access credit products such as credit cards, auto loans, and personal loans, although you may not receive the most competitive interest rates and terms.
It’s important to note that credit scores are not static and can fluctuate based on various factors, including payment history, credit utilization, length of credit history, types of credit, and recent credit applications. By understanding the components contributing to your credit score, you can take proactive steps to improve your fair credit score and open doors to better financial opportunities.
Is Average Credit Bad?
While an average credit score isn’t the worst, it isn’t good. Lenders consider people with fair credit to be subprime. Being subprime means that when applying for a credit card, you will receive higher interest rates than those with excellent credit. They may also not have access to the best rewards, balance transfer offers (including 0% intro APR or $0 balance transfer fees), and more.
However, having fair credit isn’t necessarily 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, which a traditional credit card does not.
While a FICO Score between 600 and 650 is considered subprime, it isn’t uncommon. According to Experian, 17% of Americans have a fair credit score on the three largest credit bureaus. Additionally, 12% 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, nearly 40% of Americans have subprime credit, with 14% having an average credit score.
The Negative Impacts Subprime Credit Score
Having average or near-prime credit can significantly impact your financial well-being, resulting in potential drawbacks like:
- Difficulty obtaining new loans or credit: Individuals with fair credit scores may encounter challenges when trying to obtain loans and credit, as lenders may perceive them as higher-risk borrowers. Lenders may offer loans with higher interest rates to individuals with lower credit scores, making borrowing more expensive.
- Limited credit options: Individuals with fair credit scores may have fewer options when choosing lenders or credit cards, as some institutions may prefer borrowers with higher credit scores.
- Housing and employment headaches: Landlords and property management companies often check credit scores when considering rental applications. A fair score might result in rejections or require larger security deposits. Additionally, some employers may check credit scores during hiring, potentially impacting job prospects for people with subprime credit.
- Higher insurance premiums: Insurance companies may use credit scores to determine auto or home insurance premiums, resulting in higher insurance costs.
- Deposits for utilities: Utility companies may require larger security deposits for services such as electricity, water, or cable for individuals with fair credit scores.
Tips for Improving Your Credit Score
If you’re in the fair credit score range, don’t fret. There are actionable steps to take to improve your creditworthiness and move towards a better score:
Pay Bills on Time
Paying your credit bills and balances on time is crucial for improving your credit score. Consider setting up automatic payments or reminders to ensure you never miss your due date. Consistently making on-time payments demonstrates financial responsibility, positively impacts your creditworthiness, and can help you repair your credit profile over time.
Reduce Credit Card Balances
High credit card balances can negatively affect your credit utilization ratio and, in turn, your credit score. Focus on paying down your credit card debt and strive to keep your balances low. By doing so, you improve your credit utilization and showcase your ability to manage credit responsibly to lenders.
Limit New Credit Applications
Each time you apply for new credit, a hard inquiry is triggered on your credit report, which can temporarily lower your credit score. Minimize the number of new credit applications you submit and instead concentrate on maintaining and responsibly managing your existing card and credit accounts.
Common Features of Near-Prime Credit Cards
Credit cards designed 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. |
Conclusion
Your credit score is a powerful tool that influences your financial opportunities, and a fair credit score paves the way for progress. By understanding the nuances of credit scoring, implementing strategies to improve your score, and maintaining responsible credit habits, you can unlock the secrets of fair credit scores and set yourself up for a better financial future.
Remember, your fair credit score is not a permanent label but a reflection of your credit behavior over time. Dedication, perseverance, and the right financial practices can improve your credit score and achieve financial success.
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Near-Prime Credit Cards
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