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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
Free Spirit® Points Mastercard®
Free Spirit® Points 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 Mastercard® is an invite-only airline rewards credit card from Mercury Financial and First Bank & Trust. The card features 2X points per dollar on Spirit flights and purchases, a decent signup bonus, and no foreign transaction fees (for some).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- 2X points on Spirit purchases
- 1X points on all other purchases
- Points never expire
- 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 or $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
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury Financial and Spirit Airlines
- You fly with Spirit Airlines or travel occasionally
American Savings Bank Platinum Edition Visa Card
American Savings Bank Platinum Edition Visa Card
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The American Savings Bank Platinum Edition Visa is a balance transfer credit card that offers a generous introductory APR offer on balance transfers, a competitive APR after that, and an easy-to-achieve statement credit bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on balance transfers for 15 months
- Low APR
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% 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
- 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 do't want to pay an annual fee
- You live in Hawaii
- You already bank with American Savings Bank
- You have an existing credit card balance to pay off
NetFirst Platinum Card
NetFirst Platinum Card
- 0%* Regular Purchase APR
At a Glance
The NetFirst Platinum Card is a retail merchandise card from Horizon Card Services. The card features a 0% APR on purchases, an unsecured credit limit of $750*, and no credit checks or employment checks.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Instant Approval / $750 Credit Line!**
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.00% APR
- Fast Online Application
- *See Card for Details
- **Usable only at theHorizonOutlet.com
- Regular Purchase APR: 0%*
- Annual Fee: None*
- You have bad credit or no credit history
- You want a payment card for convenience that will not require a credit check or employment check
- You want additional benefits like roadside and legal assistance
Freedom Gold Card
Freedom Gold Card
- 0%* Regular Purchase APR
At a Glance
The Freedom Gold Card is a catalog and retail card from Horizon Card Financial Services. This card features a 0% APR, a credit limit of $750*, roadside assistance, discounts on prescription meds, and no credit or employment checks.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $750 Unsecured Credit Line**
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast Online Application
- Bad Credit - OK
- *See site for details
- **usable only at theHorizonOutlet.com
- Regular Purchase APR: 0%*
- You have poor or no credit history
- You want a payment card for convenience that will not require a credit check or employment check
- You're looking for additional benefits that come with a card offer, such as roadside and legal assistance
Alliant Visa Platinum Credit Card
Alliant Visa Platinum Credit Card
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.24% to 29.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% to 5.99%, based on creditworthiness, for 12 months from account opening date Intro Purchase APR
At a Glance
The Alliant Visa Platinum Credit Card from Alliant Credit Union is a quality of low APR that provides value in almost every instance. The low-rate card features a very competitive APR and a lengthy 0% APR period.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening
- Low standard APRs and generous credit lines
- No annual fee
- Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average
- Intro Purchase APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Regular Purchase APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Balance Transfer APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- You want a no-nonsense credit card with an excellent APR
- You plan to pay down an existing balance at a lower interest rate
- You do't want to pay an annual fee
SchoolsFirst FCU Rewards Mastercard® Credit Card
SchoolsFirst FCU Rewards Mastercard® Credit Card
- 15.00% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.00% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The SchoolsFirst FCU Rewards Mastercard® Credit Card is a travel credit card that provides overall value-for-money. The card offers basic rewards but also an instant points bonus for signing up. Other features include no balance transfer fees, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5 points per dollar spent on every purchase
- Redeem points for cash, travel, merchandise and more. Points earning is unlimited and they never expire
- Skip your December billing cycle payment without an impact to your credit score
- Enjoy Priceless Cities benefits exclusively for Mastercard cardholders
- Regular Purchase APR: 15.00% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.00% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You have excellent credit scores
- You plan to travel
- You like the option of skipping your December payment without penalty
- You do't want to pay a foreign transaction fee – or annual fee
SchoolsFirst FCU School Employee Mastercard®
SchoolsFirst FCU School Employee Mastercard®
- 11.75% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.75% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.75% to 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The SchoolsFirst FCU School Employee Mastercard is an exceptional cash back credit card that provides special payment terms for educators and school employees. The card offers 1.5% cash back on all purchases and features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% cash back on purchases — deposited into your Summer Saver account
- Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
- Ability to skip your December billing cycle without credit score being impacted
- Automatically get a 0.50% lower rate for every year you make on-time payments
- Regular Purchase APR: 11.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You are a school employee
- You prefer the freedom to opt for interest-only payments in the summer months
- You plan to use cash back rewards towards direct deposits
- You do't want to pay an annual fee
SchoolsFirst FCU Share Secured Mastercard® Credit Card
SchoolsFirst FCU Share Secured Mastercard® Credit Card
- 13.90% Regular Purchase APR
- 13.90% Balance Transfer APR
- 13.90% Cash Advance APR
At a Glance
The SchoolsFirst FCU Share-Secured Mastercard® Credit Card is a decent secured card that struggles due to its high refundable deposit requirements.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Establish or re-establish your credit history with this secured credit card
- Get a credit limit with a deposit between $500 and $5,000
- Get Mastercard Enhanced ID Theft Protection to monitor your identity
- Compatible with Apple Pay
- Regular Purchase APR: 13.90%
- Balance Transfer APR: 13.90%
- Cash Advance APR: 13.90%
- Penalty APR: 17.40%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- Minimum Deposit Required: $500
- You want to rebuild a bad credit score
- You're new to credit
- You can afford to part with at least $500 while your account is open
- You do't want to pay an annual fee
America First Credit Union Visa Classic Credit Card
America First Credit Union Visa Classic Credit Card
- 15.74% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.74% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.74% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The America First Credit Union Visa Classic Credit Card is a no-nonsense selection of three credit cards that offer great low interest rates, basic rewards, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Personalize your card design with Picture Perfect
- Choose the card that's right for you: Select between a low-rate or cash back option
- No annual fee
- Travel emergency assistance included
- Regular Purchase APR: 15.74% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.74% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- You prefer a low rate over great rewards
- You want basic cash back and a competitive APR
- You plan to carry a balance
- You don’t want to pay an annual fee
You've viewed 5 of 189 credit cards
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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