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Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Venture X Rewards Credit Card provides huge travel perks, impressive miles on every purchase, and more – for a $395 annual fee. New accounts also enjoy 75,000 miles after making $4,000 in purchases in the first three months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Regular Purchase APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $40
- You travel often, and want a card that provides lounge access, elite status, and more
- You plan on issuing cards to multiple authorized users
- You plan on spending at least $4,000 on the card in the first three months
- You don’t want to pay foreign transaction fees
American Express® / Business Extra® Corporate Card
American Express® / Business Extra® Corporate Card
- See Terms Regular Purchase APR
At a Glance
The American Express® / Business Extra® Corporate Card is an airline rewards card for large corporations that frequently send employees on travel with American Airlines, British Airlines, Japan Airlines, Iberia, or other codeshare carriers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
- Earn 1 point for every $20 spent on other eligible spending
- Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
- Get a $50 Flight Discount for every $5,000 of eligible purchases
- Regular Purchase APR: See Terms
- Annual Fee: $75 per cardmember
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- You spend heavily on airfare
- You pay the balance due in full on your card every month
- You want access to exclusive American Airlines rebates and flight discounts
Truist Business Credit Card
Truist Business Credit Card
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Truist Business Visa Credit Card provides an exceptionally low APR, a lengthy 0% intro period on purchases for 12 months, and business account management tools – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy 0% intro APR for 12 months on purchases
- No annual fee
- Add authorized cardholders at no additional charge
- Digital account management with Truist Online Banking and Truist eZBusiness
- Intuit Quickbooks® integratio
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
- You own a small or medium-sized business
- You want a business card with a low APR everyday
- You plan to issue multiple employee cards
- You do't want to pay an annual fee
Truist Business Travel Rewards Credit Card
Truist Business Travel Rewards Credit Card
- 17.49% to 26.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.49% to 26.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Truist Business Travel Rewards Credit Card offers simple travel rewards with every purchase, a decent introductory miles bonus, and a competitive APR every day. The card, which features a $49 annual fee (waived for year one), also provides TSA PreCheck statement credits and features no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn miles on all eligible purchases
- Earn unlimited double miles on airfare, hotels, and car rentals
- No foreign transaction fees
- Receive up to $85 in statement credits per organization every 4 years towards TSA Pre-Check or Global Entry application fee reimbursement
- Annual fee waived on the first year
- Regular Purchase APR: 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.49% variable based on the Prime Rate
- Annual Fee: $0 for the first year. After that, $49
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
- You own a small or medium-sized company and travel often
- You will issue multiple employee cards and make use of the TSA Pre? credits
- You do't want to pay a foreign transaction fee
- You already bank with Truist
Truist Business Cash Rewards Credit Card
Truist Business Cash Rewards Credit Card
- 17.49% to 26.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.49% to 26.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
At a Glance
The Truist Business Cash Rewards Visa Credit Card provides up to 3% cash back on select business purchases, a competitive, low APR, a 0% intro period on purchases for nine months, and business account management tools – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy 0% intro APR for 9 months on purchases
- Earn 3% cash back on gas purchases, 2% at restaurants and supply stores (up to $2,000 in combined spend in 2% and 3% categories each month), and 1% back on all other eligible purchases
- Get up to 50% Loyalty Cash Bonus based on your Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account
- No annual fee
- Add authorized cardholders at no additional charge
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
- You own a small or medium-sized business
- You want a business card that earns triple the cash back on gas
- You plan to issue multiple employee cards
- You do't want to pay an annual fee
Truist Enjoy Beyond Credit Card
Truist Enjoy Beyond Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 18.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Truist Enjoy Beyond Visa® Credit Card offers up to 3X points on purchases, a decent introductory offer, and lucrative travel statement credits – all for a $195 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
- Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
- Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
- Unlimited rewards earning
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $195
- Late Payment Penalty Fee: Up to $40
- You travel often and want a streamlined rewards card
- You use TSA Pre-Check®
- You plan to spend at least $1,500 on purchases in the first 90 days of being a cardholder
- You don’t require lounge access to enjoy travel
Truist Future Credit Card
Truist Future Credit Card
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Truist Future Visa Credit Card offers 15 months of 0% intro APR on purchases and balance transfers, a competitive APR after that, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% 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 $40
- You have an existing credit card balance you want to pay down
- You're planning a big-ticket purchase
- You have excellent credit and can access the very best interest rates
- You do't want to pay an annual fee
Truist Enjoy Travel Credit Card
Truist Enjoy Travel Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Enjoy Travel Visa® Card provides quality miles on eligible travel purchases, a TSA Pre-Check® statement credit every four years, and more. The card, from Truist Bank, also features a competitive APR, no annual fee, and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X miles on airfare, hotels, and car rentals
- Up to 50% Loyalty Travel Bonus based on your Truist direct relationship when you redeem your rewards for travel through the rewards program
- Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% 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 $40
- You travel often and want a streamlined rewards card
- You use TSA Pre-Check®
- You plan to spend at least $1,500 on purchases in the first 90 days of being a cardholder
- You do't want to pay an annual fee
Truist Enjoy Cash Credit Card
Truist Enjoy Cash Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Enjoy Cash Visa® Credit Card is an interesting cash back credit card from Truist. The card offers the choice of how to earn cash back, with options including 1.5% unlimited cash back on all purchases or elevated rewards on gas, groceries, and utilities.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Option 1: Earn 3% cash back on gas, 2% back on groceries and utilities (up to combined $1,000 monthly spend cap), and 1% cash back on all other eligible purchases
- Option 2: Earn 1.5% cash back on all eligible purchases
- Up to 50% Loyalty Cash Back Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% 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 $40
- You already bank with Truist
- You don’t want to pay an annual fee or foreign transaction fees
- You want the option of deciding how you earn your cash back rewards
Notre Dame PRO Credit Card
Notre Dame PRO Credit Card
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Notre Dame PRO Mastercard is a co-branded cash back credit card from Deserve and Celtic Bank. The card offers up to 3% cash back on select purchases, plus the opportunity for Priority Pass Select after meeting minimum spending requirements.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 3% cash back on travel purchases and 2% back on dining
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You want a card with no annual fee and no foreign transaction fees
- You're a proud University of Notre Dame Fighting Irish alumnus
- You want a basic cash back credit card
- You want fringe benefits, including cell phone protectio
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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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