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The Ohio State Voice Credit Card
The Ohio State Voice 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
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Ohio State Voice Credit Card is one of three Voice Credit Cards issued by The Huntington National Bank, an Ohio-based lender. On the first $2,000 spent in a category of the cardholder’s choosing, the card earns 3X points. On balance transfers performed within the first 90 days, the card also offers a 0% intro APR for a year, no balance transfer fees, and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Select from one of 10 categories to earn 3X points for the first $2,000 in quarterly spending
- Earn 1X on all other eligible purchases
- 0% intro balance APR for 12 months after account opening
- Regular Purchase APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 15.24% to 27.24% 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: Up to $40
- You want the freedom to change your rewards category every quarter
- You plan to carry a balance and have excellent credit
- You're an Ohio State University fan or alumnus
- You don’t want to pay an annual fee or foreign transaction fees.
New Orleans Pelicans Credit Card
New Orleans Pelicans Credit Card
- 20.99% to 30.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The New Orleans Pelicans Credit Card is a Mastercard from fintech Cardless that provides New Orleans fans their shot at savings on merchandise and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 4X points on Pelicans tickets, gas, dining, and bars
- Save 10% off concessions at the Smoothie King Center and at the Pelicans Team Store
- VIP game experiences
- Regular Purchase APR: 20.99% to 30.99% variable based on creditworthiness and the Prime Rate
- You plan to purchase Pelicans season tickets
- You want the chance at a free jersey (or another reward) after meeting a minimum spend requirement
- You don’t want to pay an annual fee
Welcome Rewards™ Mastercard®
Welcome Rewards™ Mastercard®
- 18.49%, 22.49% or 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Welcome Rewards™ Mastercard® (formerly the buybuy BABY® Mastercard®) is a rewards credit card built for anyone who shops at buybuy BABY® and their family of brands. Such brands include Bed Bath & Beyond and Harmon Face Values. If you’re entering parenthood, the buybuy BABY® Mastercard® may be an excellent credit line to use when you embark on a family journey with your baby.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back in Rewards for every $1 spent at buybuy BABY® and their family of brands
- Earn 2% back in Rewards for every $1 spent at gas stations and grocery stores
- Earn 1% back in Rewards for every $1 spent anywhere else Mastercard® is accepted
- Earn rewards OR special financing
- 6 month special financing when you spend $250–$499.99 at buybuy BABY® and their family of brands
- 12 month special financing when you spend $500 or more at buybuy BABY® and their family of brands
- No Annual Fee
- Regular Purchase APR: 18.49%, 22.49% or 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.49% 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: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have a new baby or one on the way
- You plan on shopping at buybuy BABY® stores and their family of brands on a regular basis
- You want to earn Reward Dollars on all their purchases
- You're interested in special financing for budget-friendly purchases
- You want a credit card for your purchases without the added expense of an annual fee
Fleet Rewards® Visa®
Fleet Rewards® Visa®
- 21.49% or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Fleet Rewards® Visa® Credit Card lets Fleet Farm shoppers earn impressive rewards with every purchase. The card from Synchrony Bank features special financing on select Fleet Farm purchases, 10% off your first purchase with the brand, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 4X points on Fleet Farm purchases
- Earn 1X on all other eligible purchases
- Enjoy 6 months special financing on in-store purchases of $299 or more
- Regular Purchase APR: 21.49% or 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99%
- 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
- You love Fleet Farm
- You live in Iowa, Minnesota, North Dakota, South Dakota, or Wisconsin
- You don’t want to pay a foreign transaction fee or annual fee
Casey's Visa Signature® Card
Casey's Visa Signature® Card
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
Save money at the pump and pay no annual fees with the Casey’s Visa Signature® Card. Issued by UMB Bank, the card provides 2% cash back on Casey’s purchases every day, with rewards automatically redeemed as Casey’s gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Save up to 10 cents per gallon for the first 60 days
- Earn 4% on purchases at Casey's and 2% on all other purchases for first 60 days
- Earn 2% on purchases at Casey's locations and 1% on all other purchases
- Receive a Casey's Gift Card when you accumulate $20 in rebates
- Regular Purchase APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of the transfer or $15, whichever is greater
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 3% of the amount of the advance or $15, whichever is greater$50 maximum
- Foreign Transaction Fee: 2% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You frequently purchase gasoline from Casey’s
- You have a small existing credit card balance they want to pay down
- You don’t like confusing award options
- You don’t want to pay an annual fee
Buc-ee's Platinum Mastercard®
Buc-ee's Platinum Mastercard®
- 7.99% to 17.99% variable based on creditworthiness Regular Purchase APR
- 7.99% to 17.99% variable based on creditworthiness Balance Transfer APR
- 0% introductory for 6 months. After that, 7.99% to 17.99% variable based on creditworthiness Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Buc-ee’s Platinum Mastercard® is a gas rewards credit card from Texas-based credit union Texas Dow Employees Credit Union. The card offers a savings of 10¢ per gallon of fuel at Buc-ee’s fuel locations, 0% APR, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% Intro APR on purchases, balance transfers & cash advances
- 10¢ discount on fuel at Buc-ee's stations
- No annual fee
- Worldwide acceptance and ATM access
- No cash advance or balance transfer fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 7.99% to 17.99% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 7.99% to 17.99% variable based on creditworthiness
- Cash Advance APR: 0% introductory for 6 months. After that, 7.99% to 17.99% variable based on creditworthiness
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You live in Texas or Louisiana
- You frequently purchase fuel from Buc-ee’s
- You want a gas card that doubles as a balance transfer credit card
- You do't want to pay an annual fee
The Owner's Rewards Card by M1
The Owner's Rewards Card by M1
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Owner’s Rewards Card by M1 is a fintech credit card that offers cardmembers the chance to earn cash back – up to 10% for M1 Plus members and 1.5% for all other cardholders – on purchases with brands including Chewy, Spotify, Netflix, Tesla, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
- Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.
- Use M1 automation to easily reinvest your rewards for long-term impact.
- Integrate even more of your financial life in one place, while M1 helps you grow your wealth with everyday transactions.
- Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
- The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
- There is no annual fee.
- Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
- Regular Purchase APR: 20.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You already have an M1 Plus account
- You regularly invest and want a credit card that can build your wealth with everyday transactions
- You shop at several leading brands that can earn you up to 10% cash back when you use the Owner’s Reward Card by M1
First Bank Business Edition® Mastercard® with Reward Simplicity
First Bank Business Edition® Mastercard® with Reward Simplicity
- 17.99% to 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 23.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The First Bank Business Edition® Mastercard® with Reward Simplicity provides solid cash back, a quality 0% APR period on both purchases and balance transfers, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1.5% Cash Back rewards on every purchase
- 0% Intro APR for the first 12 months on purchases and balance transfers
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% 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 $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You already bank with First Bank
- You plan to issue multiple employee cards
- You plan on making full use of the lengthy intro APR periods
- You do't want to pay an annual fee
Aeroplan® Credit Card
Aeroplan® Credit Card
- 21.74% to 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.74% to 28.74% 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 Aeroplan® Credit Card from Chase offers quite a lot of value for its $95 annual fee. The card comes with a lucrative sign-up bonus, monthly spending bonuses (up to 1,500 extra points), and 3X points on purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 100,000 points - that's $825 in travel value when redeemed with Pay Yourself Back®
- $95 Annual Fee
- Earn 75,000 points after you spend $4,000 on purchases in the first three months your account is open. Plus, an additional 25,000 Aeroplan points after spending $20,000 total in the first 12 months from account opening
- Earn 3x points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
- No foreign transaction fees.
- Free first checked bag.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Earn 1x point for each dollar spent on all other purchases.
- Member FDIC
- Regular Purchase APR: 21.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.74% to 28.74% 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 $10 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: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You are Canadian and live in the U.S.
- You frequently travel on Air Canada or another Star Alliance Partner
- You plan to frequently use this card for both everyday and exceptional purchases
- You want lucrative reward points with plenty of redemption options
First Bank Maximum Rewards® World Mastercard®
First Bank Maximum Rewards® World Mastercard®
- 19.99% to 25.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% to 25.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The First Bank Maximum Rewards® World Mastercard® provides unlimited 1.5% cash back, a $30 cash back welcome bonus, and two lengthy 0% APR periods – all for no annual fee. The card from First Bank is available to customers in Missouri, California, Illinois, and Kansas.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Unlimited 1.5% cash back on every purchase
- 0% Intro APR for the first 12 months on purchases and balance transfers
- Redeem points for cash, travel, and more
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 19.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 19.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% 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 $15 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 $40
- Return Payment Penalty Fee: Up to $35
- You want a simple cash back rewards credit card
- You have a balance you want to pay down over the course of a year
- You don’t want to pay an annual fee
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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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Good Credit Cards
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