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Birch Lane Mastercard
Birch Lane Mastercard
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Birch Lane Mastercard® provides the ideal tool for costly design projects, thanks to up to 5% back on purchases with all five Wayfair websites, special 0% APR financing on eligible Wayfair purchases, and more – all for $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair brands
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% 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: 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
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You frequently shop at Birch Lane or other Wayfair brands
- You want to earn 5% back on Wayfair purchases, 3% back on groceries, and 2% back online
- You prefer access to special financing for larger purchases over 5% back
- You don’t want to pay an annual fee
AllModern Mastercard®
AllModern Mastercard®
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The AllModern Mastercard® provides the ideal tool for making design improvements, thanks to up to 5% back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair brands, including AllModern
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% 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: 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
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You frequently shop at AllModern or other Wayfair brands
- You want access to special financing for larger purchases
- You want to earn 5% back on Wayfair purchases and 2% back online
- You do't want to pay an annual fee
Wayfair Mastercard®
Wayfair Mastercard®
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wayfair Mastercard® provides design-inspired up to 5% cash back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair
- 3% back at grocery stores
- 2% back on online purchases outside of Wayfair brands
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% 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: 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
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You're planning a renovation or interior design project
- You want a rewards card where rewards apply to one brand
- You don’t want to pay an annual fee
NYUAA Customized Cash Rewards Credit Card
NYUAA Customized Cash Rewards Credit Card
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 21.24% to 30.24% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months following the opening of your account Intro Purchase APR
At a Glance
The NYU Alumni Association (NYUAA) Customized Cash Rewards Credit Card is a cash back credit card that lets NYU alumni show their pride anywhere they pay with Visa. The card, from Bank of America, features up to 3% cash back on the category of the cardholder’s choosing, plus 2% back on wholesale clubs and groceries, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 3% cash back in the category of your choice, like online shopping
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn 1% cash back on all other purchases
- Intro Purchase APR: 0% for 18 months following the opening of your account
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months on transfers made within 60 days from opening your account
- Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Cash Advance APR: 21.24% to 30.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $40
- You want the ability to choose your bonus cash back categories
- You spend heavily on groceries
- You already bank with Bank of America
- You're an NYU alumnus
Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®
- 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Premier World Mastercard® offers 2% cash back, a simple redemption process, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 2% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of each balance transfer, whichever is greater
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $30
- You have good credit
- You prefer cash back rewards as a statement credit
- You don’t want to pay an annual fee
Sheetz Visa® Credit Card
Sheetz Visa® Credit Card
- 29.74% variable based on the Prime Rate Regular Purchase APR
- 29.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sheetz Visa® Credit Card is a gas rewards credit card that offers up to 8 cents in savings per gallon of gasoline pumped at Sheetz fuel pumps. The card also provides up to 5% cash back on in-store Sheetz purchases, plus 1% back on other eligible purchases, all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save up to 8 cents per gallon at Sheetz pumps with a MySheetz Rewardz membership
- 5% cash back on Sheetz in-store purchases
- 1% back on all other qualifying purchases
- No annual fee
- Regular Purchase APR: 29.74% variable based on the Prime Rate
- Balance Transfer APR: 29.74% 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: 29.99% 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 each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You frequently purchase gasoline at Sheetz
- You have an active MySheetz Rewardz membership
- You live in the Mid-Atlantic region of the U.S.
- You do't want to pay an annual fee
Joss & Main Mastercard®
Joss & Main Mastercard®
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Joss & Main Mastercard® lets design fans save up to 5% back on purchases with all five Wayfair family websites, enjoy special 0% APR financing on select purchases, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% Back in Rewards at Joss & Main
- 3% at grocery stores
- 2% online
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% 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: 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
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You are planning an interior design project
- You plan to use your card for online purchases
- You want a rewards card where rewards apply to one brand
- You do't want to pay an annual fee
Zions Bank Vivid Rewards Visa® Credit Card
Zions Bank Vivid Rewards Visa® Credit Card
- 17.50% to 29.50% variable based on the Prime Rate Regular Purchase APR
- 17.50% to 29.50% variable based on the Prime Rate Balance Transfer APR
- 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Zions Bank Vivid Rewards Visa® Credit Card is a fun card ready to reward you for living life boldly. Get ready to earn up to 3x the points per $1 spent with the Vivid Rewards Card on a wide range of purchases. Additionally, earn 1x point per $1 spent on everything else. The benefits don’t stop there. Enjoy all that Zions Bank Vivid Rewards Visa® Credit Card has got to offer, and more, all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent on dining, entertainment, transit, and digital services
- Earn 1 point per $1 spent on all other eligible purchases
- No annual fee or foreign transaction fee
- 0% intro APR on purchases (for 6 months) and balance transfers (for 12 months)
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.50% to 29.50% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 17.50% to 29.50% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.50% to 30.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $30
- You enjoy dining, entertainment, streaming, and more
- You want to earn Rewards for purchases on things you love
- You could use extra savings and benefits while traveling
- You're looking for a bold Rewards credit card without the added cost of an annual fee
Zions Bank Agility Cash Visa® Credit Card
Zions Bank Agility Cash Visa® Credit Card
- 17.50% to 29.50% variable based on the Prime Rate Regular Purchase APR
- 17.50% to 29.50% variable based on the Prime Rate Balance Transfer APR
- 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Zions Bank Agility Cash Visa® Credit Card is a straightforward cash back card that earns 1.5% cash back on every dollar spent. The card offers a simple way to pay for purchases while earning value back and redeeming rewards as needed. Additionally, there is no annual fee, and you’ll get to enjoy promotional introductory APR rates.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% cash back on all purchases
- Choose automatic redemption and decide whether to receive cash back every month, every quarter, or when you reach certain amounts
- 0% intro APR on purchases and balance transfers
- No annual fee or foreign transaction fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.50% to 29.50% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 17.50% to 29.50% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.50% to 30.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $30
- You want a simple cash back card that will earn rewards on all purchases
- You have plans to chip away at old debt with better rates by carrying over an existing balance
- You want the benefits of having a credit card without having to pay an annual fee
- You find value in additional protection services for travel, mobile, and more
Morgan Stanley Blue Cash Preferred® Card
Morgan Stanley Blue Cash Preferred® Card
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
Through the Blue Cash Preferred® card, Morgan Stanley brokerage account holders can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. They’ll also enjoy a $100 statement credit every year they use their card to make at least $15,000 in eligible purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee for the first year
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% Cash Back on other purchases
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- 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
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 intro annual fee for the first year, then $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Morgan Stanley brokerage account
- You will spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
- You're excited at the prospect of earning 6% cash back with select streaming services
- You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
- You will take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
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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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