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Target RedCard™ Mastercard
Target RedCard™ Mastercard
- 28.15% variable based on the Prime Rate Regular Purchase APR
- 31.15% variable based on the Prime Rate Cash Advance APR
At a Glance
The Target RedCard™ is a family of credit, debit, and prepaid cards from Target and TD Bank, with the most interesting option the no annual fee Target RedCard™ Mastercard. The card offers 5% off on Target purchases, plus 2% cash back on gas and dining, and 1% back on everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 5% savings at Target and Target.com
- 2% cash back on dining and gas station purchases
- 1% back on all other purchases
- Additional 30-day return policy on select items
- 2-day delivery
- No annual fee
- Regular Purchase APR: 28.15% variable based on the Prime Rate
- Cash Advance APR: 31.15% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- You primarily shop at Target for your groceries or household items
- You want basic rewards for gas and dining purchases
- You have a good or excellent credit score
- You want a card with no annual fee
Square Credit Card
Square Credit Card
- See Terms Regular Purchase APR
At a Glance
The Square Credit Card is an invite-only business credit card for Square sellers and works in synchronicity with Square’s financial management tools and savings. It features no annual fee, free processing rewards, and an easy application process. Square Inc. is a company that offers payment services to businesses of all sizes. Its recent addition, the Square Credit Card, features zero fees and a streamlined platform to manage your business budgets.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- See if you qualify without harming your credit score via an easy application process
- Integrates seamlessly with other Square services for easier card management
- Zero fees - never pay a fee for late payments, annual renewals, or anything else
- The cards rewards system is designed to earn cardholders free processing fees
- Credit limits are based on sales processed through Square so you'll have access to the right amount of cash
- Confidently use the sleek metal card equipped with fraud protection and automatic repayment options
- Regular Purchase APR: See Terms
- You're already a Square seller looking to streamline your business money with credit
- You want to earn free Square processing as a reward for using your Square Credit Card
- You want the peace of mind of paying zero fees on your business credit card
- You don't mind a credit limit based on your Square sales
Citizens Private Client™ World Elite Mastercard®
Citizens Private Client™ World Elite Mastercard®
- 18.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99% to 26.99% 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 Citizens Private Client™ World Elite Mastercard® provides Citizens Banks best cash back rewards and more. Earn 2% back on all purchases and enjoy lounge access, priority security, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee with a Citizens Private Client™ account
- No foreign transaction fees
- TSA Precheck or Global Entry statement credits
- Priority Pass Select
- Regular Purchase APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99% to 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: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $195 ($0 for Citizens Private Client™ clients)
- Late Payment Penalty Fee: $41
- You want to earn 2% back on all purchases
- You are an existing Citizens Private Client™ client
- You plan to travel and make use of lounge access
- You want TSA Precheck or Global Entry to speed through airport security
Fifth Third Preferred Cash/Back Card
Fifth Third Preferred Cash/Back Card
- 20.49% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.99% 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 Fifth Third Preferred Cash/Back Card is Fifth Third's best cash back rewards credit card. The card earns an unlimited 2% cash back on all eligible purchases, with no caps, annual fee, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 2% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Regular Purchase APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% 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 cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You currently have a Fifth Third Preferred Checking account
- You don't want to pay an annual fee or hidden fees
- You don't want to bother with a confusing rewards program and instead earn unlimited rewards on every purchase
Fifth Third 1% Cash/Back Card
Fifth Third 1% Cash/Back Card
- 16.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from account opening date Intro Purchase APR
At a Glance
The Fifth Third 1% Cash/Back Card earns an unlimited amount of cash on every purchase with 0% introductory APR on purchases and balance transfers for a whopping 21 months - all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 1% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Enjoy 0% intro APR on purchases and balance transfers for 21 months
- Intro Purchase APR: 0% for 21 months from account opening date
- Regular Purchase APR: 16.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 21 months from account opening date
- Balance Transfer APR: 16.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% 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 cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You live in an area covered by Fifth Third Bank
- You don't want to pay an annual fee or hidden fees
- You have an existing loan balance you want to pay off
Fifth Third 1.67% Cash/Back Card
Fifth Third 1.67% Cash/Back Card
- 20.99 to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99 to 29.99% 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 Fifth Third 1.67% Cash/Back Card earns an unlimited amount of cash on every purchase with no foreign transaction fees or annual fees to worry about.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 1.67% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Regular Purchase APR: 20.99 to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99 to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% 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 cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You live in an area covered by Fifth Third Bank
- You don't want to pay an annual fee or hidden fees
- You don't want to bother with a confusing rewards program
Fisher-Price College Savings Mastercard®
Fisher-Price College Savings Mastercard®
- 17.99% to 29.99% variable based on creditworthiness or the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Fisher-Price College Savings Mastercard® lets parents, grandparents, or just about anyone else earn 2% cash back on all their purchases when they funnel rewards into a 529 college savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back on all purchases when you deposit into a 529 plan
- $50 bonus when you make $250 in purchases in the first three months and deposit rewards into a 529 plan
- No annual fee
- Mastercard $0 Fraud Liability
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness or the Prime Rate
- Intro Balance Transfer APR: N/A
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: N/A
- You have a 529 education savings plan for your children
- You plan to use the card for much of your everyday spending
- You plan to spend at least $250 on purchases within the first 3 months
- You don't want to pay an annual fee
TD FlexPay
TD FlexPay
- 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The TD FlexPay credit card is a balance transfer card with a difference. Beyond a lengthy intro APR on transfers, cardholders have the peace of mind that they can schedule which billing cycle in the future to skip a monthly payment each year with no penalty.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get TD Bank's best balance transfer offer
- Skip a Payment once a year with no penalty
- No annual fee
- No foreign transaction fees
- Visa Platinum credit card benefits and protections
- Regular Purchase APR: 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR for the first 18 billing cycles
- Balance Transfer APR: 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after Account opening referenced in the offer above After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 30.24% 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 $40, first late payment fee refunded every 12 billing cycles.
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You want a balance transfer credit card that works around your needs
- You can be forgetful and want a card that understands nobody is perfect
- You plan to use the card for foreign trips or vacations
- You don't want to pay an annual fee
TD Clear
TD Clear
At a Glance
The TD Clear Visa Platinum is a credit card with a difference. Instead of paying a variable interest rate on purchases, TD charges no interest at all, instead offering a simple monthly fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- A credit card with no interest, just a simple monthly fee
- No hidden fees, including no balance transfer fees or foreign transaction fees
- Enjoy Visa benefits like cell phone protection, emergency card replacement, and Visa Zero Liability
- Intro Balance Transfer APR: N/A
- Minimum Deposit Required: N/A
- You want a credit card with a simple, straightforward pricing structure
- You aren't interested in rewards - just a great low rate
- You want basic Visa protections like cell phone protection or Zero Fraud Liability
KrowdFit Wellness Rewards Mastercard®
KrowdFit Wellness Rewards Mastercard®
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The KrowdFit Wellness Rewards Mastercard® is a rewards credit card that earns up to 4% cash back on wellness purchases and more, with no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% cash back on qualifying health, wellness, medical, and lifestyle partners
- 2% cash back on groceries
- 1% cash back on all other purchases
- Free MyFitnessPal or Calm 1-year Premium Membership
- No foreign transaction fees
- No annual fee
- 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 spend a good chunk of change on health and wellness (including medical)
- You want to get rewarded for your healthy lifestyle
- You have an interest in wellness apps like MyFitnessPal or Calm
- You would like cash back for grocery shopping and everyday essentials
You've viewed 5 of 602 credit cards
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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