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Fortiva® Mastercard® Credit Card with Cashback Rewards
Fortiva® Mastercard® Credit Card with Cashback Rewards
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
Earning up to 3% cash back while building credit is an enticing possibility with The Fortiva® Mastercard® Credit Card with Cashback Rewards. The card, from the Bank of Missouri, earns unlimited 3% cash back on gas, grocery, and utility purchases and 1% back on all other eligible purchases made with the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
- Earn a 1% Cash Back Reward on all other eligible purchases‡
- Up to $1,000 credit limit subject to credit approval*
- Pre-qualify without affecting your credit score
- No security deposit
- Good anywhere Mastercard® is accepted
- Free access to your credit score †
- $0 fraud liability**
- *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score - provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
- ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
- **Fraud liability subject to Mastercard® rules
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever isgreater
- Annual Fee: As low as $85
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to build credit while spending on monthly utilities and purchases
- You plan to pay your balance in full each month
- You want $0 fraud liability protectio
Wells Fargo Autograph Card
Wells Fargo Autograph Card
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
- Earn 1X points on all other purchases
- 0% intro APR for 12 months on purchases
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the 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 advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative credit card without rotating categories
- You don’t want to pay an annual fee
Bread Cashback™ American Express® Credit Card
Bread Cashback™ American Express® Credit Card
- 20.74%, 31.24%, or 35.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 35.24% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Bread Cashback™ American Express® Credit Card, holders can earn 2% unlimited cash back, with no rewards caps, opt-ins, or categories to manage. The card, from Bread (formerly Alliant Data Systems/ Comenity), offers even more value for cardholders thanks to no hidden fees – including an annual fee, membership fees, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2% cash back on all eligible purchases
- Regular Purchase APR: 20.74%, 31.24%, or 35.24% 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 amount of each transfer, whichever is greater
- Cash Advance APR: 35.24% 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 $41
- Return Payment Penalty Fee: Up to $41
- You don’t want to pay an annual fee
- You prefer unlimited rewards to confusing categories
- You want access to Amex protections and Amex Offers
LATAM Airlines World Elite Mastercard
LATAM Airlines World Elite Mastercard
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The LATAM Airlines World Elite Mastercard hits many of the right notes thanks to an impressive welcome bonus, no hidden fees, and up to 4X miles on purchases. The card also benefits from lounge access, complimentary upgrades, and more – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 40,000 miles after spending $2,500 in purchases in the first three months
- Earn 4X miles on LATAM purchases
- Earn 3X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Two complimentary LATAM lounge passes each year
- Earn three complimentary upgrades after you pay your $99 annual fee every year
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- Annual Fee: $99
- You travel to South America often
- You prefer to fly with LATAM Airlines
- You want access to premium perks like airport lounges and upgrades
- You plan to spend at least $2,500 in the first three months
LATAM Airlines Mastercard
LATAM Airlines Mastercard
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The LATAM Airlines Mastercard is an airline rewards credit card that can help supercharge your way towards a South American getaway. The card offers up to 3X miles on purchases, no hidden fees, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 15,000 miles after spending $1,000 in purchases in the first three months
- Earn 3X miles on LATAM purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You travel to South America often
- You prefer to fly with LATAM Airlines
- You don’t want to pay an annual fee
Liverpool FC Credit Card
Liverpool FC Credit Card
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Liverpool FC Credit Card is a Mastercard from fintech Cardless that provides Reds fans their shot at savings on merchandise, stadium tours, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Receive a complimentary LFC International Membership
- 10% off LFC merchandise
- LFCTV Go subscription free for the first year
- 5X points at the Official Liverpool FC Store and on Liverpool tickets
- 5X points on rideshare and select streaming services
- 3X points at bars & restaurants and select food delivery services
- 1X points on all other pourchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You never miss a Liverpool matchday – whether attending in person or watching on the TV
- You like to order food or drinks while watching the game
- You want a free Liverpool FC International membership
- You do't want to pay an annual fee
Bilt Mastercard
Bilt Mastercard
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You rent and want to earn rewards on your monthly rental payments
- You're a member of Bilt Rewards
- You don’t want to pay an annual fee
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49% to 28.49% 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 IHG One Rewards Premier Business Credit Card from Chase earns up to 26X points on purchases and features an impressive 140,000 bonus points welcome offer – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 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 $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You own a small business and frequently stay at IHG properties
- You spend heavily on travel purchases or advertising
- You don’t already have TSA PreCheck
- You plan to issue multiple employee cards to maximize rewards
GM Extended Family Card
GM Extended Family Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 9 months Intro Purchase APR
At a Glance
Earn 1% in rewards points on all purchases towards the purchase of a new Chevrolet, GMB, Buick, and Cadillac or redeem for cash back in $50 increments. Earnings from the GM Extended Family Card can be combined with GM Employee or Supplier discounts.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Get $100 in Earnings to redeem at GM when you spend $1,000 in your first 3 months
- 1% Earnings on all purchases
- 0% Intro APR on purchases for first 9 months
- Intro Purchase APR: 0% for the first 9 months
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You're an employee or supplier of General Motors
- You have family members whose spending could help expedite earning accumulation
- You regularly upgrade to newer vehicles or plan to purchase one in seven years
- You want a credit card with no annual fees
Huntington Cashback Credit Card
Huntington Cashback Credit Card
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Huntington Cashback Credit Card is a versatile cash back card that prioritizes rewards, not hidden fees. The card earns an unlimited 1.5% cash back on all purchases while avoiding an annual fee, foreign transaction fees, late fees, or penalty APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1.5% back on all eligible purchases
- 0% Intro APR on balance transfers for 12 billing cycles from account opening
- Regular Purchase APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the transfer amount or $10, whichever is greater
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 3% of the advance amount or $10, whichever is greater
- Late Payment Penalty Fee: $40
- You want a no-nonsense rewards card with no additional fees
- You have an existing balance you want to pay off over time
- You don’t want to pay an annual fee
- You live in one of the seven states served by Huntington National Bank
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What Is a Good Credit Score?
A “good” credit score varies depending on your scoring model. 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 or fair.
What’s Considered a Good FICO Score?
The FICO scoring model is the oldest and most popular credit scoring model among banks. Estimates state that approximately 90% of banks, lenders, and financial institutions rely on FICO Scores to judge applicants’ creditworthiness. The FICO scoring range is from 350 to 850, with a score of between 730 and 799 considered “good” to “very good.”
What’s a Good VantageScore?
Like FICO, VantageScore measures potential applicants’ creditworthiness and reliability. 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 a score of 681 to 780 considered “good.”
What Factors Determine What a “Good” Credit Score Is?
Both FICO and VantageScore differ in terms of how much weight they place on certain credit factors. FICO places greater importance on the total amount of debt a person has and less on their average age of credit. Conversely, VantageScore puts more weight on the average age of credit than FICO and slightly less on the total amount of debt owed.
Despite these discrepancies, there are a few factors that everyone should pay attention to to maintain or build their credit score. These factors include:
- Payment history: How many of your payments are made on time, and how many payments do you miss?
- Total debt: How much do you owe on your credit accounts?
- Credit utilization: How much of your available credit are you using?
Individuals with a good credit score rarely miss payments. After all, how can a lender deem your credit as good and your lending risks as minimal if you regularly fail to pay back your debts? Additionally, lenders might view you as a risky applicant if you rely too much on your credit accounts. Over-reliance on credit might appear to a bank as someone being financially stretched.
What are the Benefits of Having Good Credit?
Having a good credit score increases your chances of successfully applying for almost any credit card offer on the market. Lenders prefer applicants with good credit scores because it indicates that they are less risky than other applicants and can be relied upon to make their monthly payments.
Here are some of the benefits of having a good credit score:
① Better approval odds | Good credit doesn’t guarantee your credit card application will be approved, but it certainly helps. With a good credit score you’ll have access to most credit card offers, including exclusive credit cards and cards with no annual fees. |
② Better interest rates | Better credit scores typically enjoy access to lower APR on credit cards, mortgages, and other types of loans. According to the CPFB, “credit card companies typically offer their best rates to customers who have the highest credit scores.” And if the APR on your credit card isn’t to your liking, having good credit will make it easier for you to negotiate a lower rate with your card issuer. |
③ No deposits required | One of the best rewards for maintaining good credit is that you likely don’t have to worry about security deposits on accounts. A good credit score means you won’t have to provide collateral or upfront payments to open utilities accounts – or get a new phone line. |
④ Better auto insurance rates | Having Prime credit means you enjoy lower rates for almost everything credit-related, including your car loans. Insurance companies rely on credit scores to gauge an applicant’s risk level. These firms often punish poor credit with higher insurance premiums. |
⑤ Peace of mind | Having a good credit score means that you are on the right track financially. With good credit, you are paying your bills on time, keeping your credit use low, and maintaining the correct processes that are critical to financial success. |
Good credit can provide numerous advantages and improve your financial well-being. Maintaining a good credit score by making timely payments and managing your debts responsibly is important.
How to Improve Your Credit Score
Here’s a few practical tips to help you on your credit-building journey:
- Check your credit report: Obtain a copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion) and review them for any errors or inaccuracies.
- Pay on time: Pay your bills on time, as payment history is a significant factor in determining your credit score.
- Reduce your credit usage: Aim to keep your credit card balances low in relation to your credit limits. Ideally, keep your credit utilization below 30%.
- Build a long credit history: The length of your credit history is important, so it’s beneficial to keep older accounts open and in good standing.
- Get a diverse credit mix: Having a mix of credit types, such as credit cards, auto loans, and mortgages, can positively impact your credit score.
- Limit new applications: Opening multiple new credit accounts within a short period can lower your average account age and could be perceived as a higher risk.
- Get a secured credit card: If you have trouble qualifying for a traditional credit card, a secured credit card can be a good way to build or rebuild credit.
How Long Does It Take to Build Good Credit?
The time it takes to improve your credit score can vary depending on your starting point and the specific actions you take. Typically, you may start to see some improvement within a few months, but significant changes can take a year or more.
Regularly monitoring your credit score and credit report is important. Many financial institutions and credit card companies now provide free access to your credit score, and you are entitled to a free copy of your credit report from each bureau annually.
By following these steps and monitoring your progress, you can work towards achieving and maintaining a good credit score.
Tips for Maintaining Your Prime Credit Score
Once you have achieved a good or excellent credit score, it is essential to maintain it. Here are some tips to help you maintain your creditworthiness:
- Continue paying bills on time: Consistently paying your bills on time is crucial in maintaining an excellent credit score. Set up reminders or automatic payments to ensure you never miss a payment.
- Avoid unnecessary debt: While taking on additional debt, such as unnecessary loans or credit cards, may be tempting, it is important to be mindful of your borrowing habits. Only take on debt that you can comfortably manage and repay.
- Monitor your credit: Monitor your credit score and credit report closely to identify any changes or errors promptly. This will allow you to take appropriate action if needed.
Conclusion
Achieving and maintaining good credit scores requires discipline, responsible financial habits, and patience. You can enjoy the benefits of prime credit by understanding the factors that influence your credit score, regularly checking your credit report, and taking steps to improve and maintain a good credit score. Remember, good credit opens doors to better financial opportunities and helps you achieve your personal and financial goals.
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Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.