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Revvi Card
Revvi Card
- 35.99%* Regular Purchase APR
- 35.99%* Cash Advance APR
At a Glance
Revvi is a full-fledged Visa® credit card that can help you improve your credit score with on-time payments and responsible use. The Revvi Card features a quick and easy application and doesn’t require perfect credit. Not only that, but Revvi also offers 1% Cash Back Rewards^^ with on-time payments. The card also features an initial credit line of $300, with the chance of a credit limit increase after year one.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card • Perfect credit not required • $300 credit limit (subject to available credit) • Checking account required • Opportunity to request credit limit increase after twelve months, fee applies • *See Rates, Fees, Costs & Limitations for complete offer details • ^^See Revvi Rewards Programs Terms & Conditions for details
- Regular Purchase APR: 35.99%*
- Cash Advance APR: 35.99%*
- Cash Advance Transaction Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater
- Annual Fee: $75 1st year, $48 after*
- Late Payment Penalty Fee: Up to $41*
- Return Payment Penalty Fee: Up to $41*
- You want to improve your credit score by making on-time payments and keeping credit use low
- You want Visa® protections, like Zero Fraud Liability coverage
- You're seeking manageable monthly payments
- You want to earn 1% Cash Back Rewards^^, on payments made to the card
Today Card™ Mastercard®
Today Card™ Mastercard®
- Up to 36.00% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Today Card™ Mastercard® is an unsecured credit card for bad credit. The card features one of the highest purchase APRs on the market and a steep annual fee of $120, billed as $10 per month.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Free access to check your TransUnion VantageScore
- Set up text message alerts to notify you of available credit, current balance, due dates, and payments made
- 24/7 zero liability fraud protection
- Enable automatic payments to ensure you pay on time, every time
- Regular Purchase APR: Up to 36.00% variable based on the Prime Rate
- Annual Fee: $120 (billed monthly)
- 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 have bad credit and want to repair it with responsible use
- You can afford the $10 per month fee
- You don’t plan on using the card to carry a balance
SmartHealth PayCard
SmartHealth PayCard
- 18% Regular Purchase APR
- See Terms Cash Advance APR
At a Glance
The SmartHealth PayCard™ Mastercard® is a medical credit card that offers coverage for unexpected medical costs, prescriptions, and more. The card, which features credit limits of up to $30,000, also offers accidental death insurance, accidental medical expense insurance, and prescription savings – for a $120 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 90 seconds to apply, and get a virtual card for use immediately
- Individual and family benefits of $5,000 accident and injury medical indemnity benefit coverage
- SmartHealth Rx provides pharmacy discounts of up to 85% on most generic drugs
- May also be used for veterinarian services
- Regular Purchase APR: 18%
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: $120
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You anticipate having additional medical expenses in the coming year
- You have children or pets and want the assurance of additional medical coverage
- You want to finance elective surgeries over-time
- You have insurance but want extra coverage and prescription savings
Chime Credit Builder Secured Visa® Credit Card
Chime Credit Builder Secured Visa® Credit Card
- See Terms Regular Purchase APR
- See Terms Cash Advance APR
At a Glance
The Chime Credit Builder Visa® Secured Credit Card is a credit-builder product from Chime – a fintech that offers an assortment of financial products and services with no hidden fees. The secured card functions harmoniously with Chime’s other products and services, including their high-yield savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee or interest
- No credit check performed when applying
- No minimum security deposit required
- Ideal for everyday purchases to help build credit with regular on-time payments
- Checking account required
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: $2.50 per transactio
- You're seeking to build your credit score
- You don’t want a credit check on your credit report
- You don’t want the hassle of a minimum security deposit
- You want access to high yield savings to help your money grow
- You don’t want to pay any additional fees
WWE® Superstar Credit Card
WWE® Superstar Credit Card
- 28.99% variable based on the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The WWE® Superstar Credit Card is a credit repair credit card that lets you earn cash back rewards and access special WWE promotions at the same time. From WWE and Credit One Bank, the card features 1% cash back on select purchases and an annual fee of $75 for the first year (and $99 after that).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back rewards on eligible internet, cable and satellite TV, and mobile phone service purchases
- Earn 1% cash back on eligible dining purchases
- Get access to promotions for WWE Credit Card members
- Regular Purchase APR: 28.99% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $75 for the first year. After that, $99 annually ($8.25 per month)
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You love WWE but are also seeking to repair your credit score
- You want access to exclusive WWE promotions
- You want to show off your wrestling fandom with a sleek card desig
BILL Divvy Corporate Card
BILL Divvy Corporate Card
At a Glance
The BILL Divvy Corporate Card is a business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
Best Friends® Credit Card
Best Friends® Credit Card
- 28.99% variable based on the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Best Friends® Credit Card is a cash back credit card from Credit One Bank. The card, in partnership with Best Friends Animal Society, earns up to 5% back on pet-related purchases and donates 1% towards the goal to end the killing of dogs and cats in America’s shelters.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Best Friends receives a donation in an amount equal to 1% of eligible purchases
- Earn 5% cash back rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year
- Get up to 10% More Cash Back Rewards from participating merchants
- $0 annual fee for excellent credit
- Regular Purchase APR: 28.99% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Annual Fee: Up to $39
- Foreign Transaction Fee: Either $1 or 3% of the transaction amount in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You have a pet or feel passionately about protecting vulnerable animals
- You spend heavily on animal-related purchases each month
- You have average or fair credit and want a credit card that can earn rewards
Petco Pay Mastercard
Petco Pay Mastercard
- 25.74% or 34.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 35.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Petco Pay Mastercard is a is a retail and cash back card for animal lovers everywhere. The card, from Comenity, earns up to 8% back in Pals Rewards on Petco purchases, plus 2% back on groceries – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 8% Back in Pals Rewards at participating Petco locations and Petco.com
- 2% back in Pals Rewards at grocery stores
- $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
- No annual fee
- Regular Purchase APR: 25.74% or 34.74% 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 5% of the transfer, whichever is greater
- Cash Advance APR: 35.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the transaction, 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 shop at Petco regularly
- You plan to finance larger Petco charges in the future
- You like the idea of making a donation with every purchase
- You do't want to pay an annual fee
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
- 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% Balance Transfer APR
At a Glance
The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99%
- Balance Transfer Transaction Fee: Up to 5%
- Foreign Transaction Fee: Up to 3%
- You struggle to pay off your credit card balances
- You want to earn up to 3% cash back on purchases
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You don’t want to pay an annual fee
Capital on Tap Founder Rewards Business Visa
Capital on Tap Founder 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 Founder Rewards Business Visa is the premium business card offering from Capital on Tap and WebBank. The card features the same credit limits of up to $50,000 as the no annual fee card, an APR as low as 10%, and the benefit of 2% cash back on all purchases – for a $199 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 2% cash back on every purchase
- Up to 20 additional employee cards free of charge
- No foreign transaction fees
- Interest rates as low as 9.99%
- 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
- Annual Fee: $199
- Late Payment Penalty Fee: $29
- You have a U.S. registered business with at least three months of trading history
- You have a good to excellent credit score
- You want additional employee cards to maximize rewards earning
- You prefer earning a higher level of cash back rewards
- You spend enough to justify the $199 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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