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AT&T Points Plus Card from Citi
AT&T Points Plus Card from Citi
- 20.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 28.99% 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 AT&T Points Plus Card from Citi entices commuters, grocery shoppers, and frequent AT&T customers with up to 3X points earned on purchases with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 statement credit after spending $1,000 in the first 3 months
- $20 statement credit every billing cycle you spend $1,000+ on your AT&T Points Plus Card (that's up to $240 a year!) for AT&T Wireless customers.
- 3X ThankYou Points on gas; 2X points on groceries; 1X on all other purchases
- No annual fee
- Regular Purchase APR: 20.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 28.99% 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 cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of each purchase transaction in US dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently shop at AT&T or use AT&T as a service provider
- You want flexible redeeming options for your accumulated points
- You want to earn rewards when you pay your bill from AT&T
- You don’t want to pay an annual fee
TSC® Visa® Card
TSC® Visa® Card
- 30.74% variable based on the Prime Rate. 3.99% for 36 months for select purchases eligible for a Major Purchase Pla Regular Purchase APR
- 30.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The TSC Visa credit card is a no-annual-fee retail card issued by Citi, under the Visa network, and co-branded with American retailer, Tractor Supply Co. (TSC). The card earns 5% back in rewards on TSC purchases; 3% back on gas, groceries, and vet services; and 1% on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $50 in Rewards with your first qualifying purchase of $50 or more
- Earn 5% back in Rewards on TSC purchases or enjoy special financing
- Earn 3% back in Rewards at gas stations, grocery stores, and vet purchases
- No annual fee
- Regular Purchase APR: 30.74% variable based on the Prime Rate. 3.99% for 36 months for select purchases eligible for a Major Purchase Pla
- Balance Transfer APR: 30.74% 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%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- You frequently shop at Tractor Supply Co.
- You have pets and spend heavily on their health and daily needs
- You don’t want to pay an annual fee for your credit card
Aspiration Zero Credit Card
Aspiration Zero Credit Card
- 16.40% to 26% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.40% to 26% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23% to 26.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Aspiration Zero Mastercard is a fintech credit card that strives for carbon neutrality. Like the Aspiration Debit Card, the Zero offers the chance of cash back rewards and tree planting for every purchase made – for a $60 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Plant a tree with every purchase
- Reach carbon neutral and earn 1% cash back for every purchase in that billing period
- Sustainable card design, made with plant-based materials
- Regular Purchase APR: 16.40% to 26% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.40% to 26% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23% to 26.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Annual Fee: $60
- Foreign Transaction Fee: 2% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $35
- You are passionate about saving the planet
- You want to plant a tree with every eligible card purchase
- You plan on using this card often for all types of purchases
Amtrak Guest Rewards® Preferred Mastercard®
Amtrak Guest Rewards® Preferred Mastercard®
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® Preferred Mastercard® offers high-speed rewards, first-class perks, and more – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
- Earn 2 points per $1 spent* on dining, travel, transit and rideshare
- 1 point per $1 spent* everywhere else
- Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% 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: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You travel often by train
- You frequently make purchases with Amtrak
- You're looking for a travel credit card with no foreign transaction fees
- You want to earn points through the Amtrak Guest Rewards® program
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rateq Cash Advance APR
At a Glance
The US Bank Shopper Cash Rewards™ Visa Signature® Card provides cardholders with the power of 24 store cards in one for a $95 annual fee. The card earns 6% cash back at two retailers of the cardholder’s choice, with brands including Apple, Kohl’s, Target, Amazon, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- Earn 1.5% back on all eligible purchases
- No annual fee for the first year; $95 after that
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rateq
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 thereafter
- 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 spend heavily with several retail brands
- You don’t want multiple store cards to keep track of
- You can justify the card's $95 annual fee and get plenty of value out of it
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
- Flex for Business variable APR: 19.49% to 27.49% Regular Purchase APR
At a Glance
The Chase Ink Business Premier Credit Card is a premium business card that earns up to 2.5% cash back on purchases of $5,000+ and 2% back on all other purchases. The card operates either as pay-in-full, or pay-over-time, thanks to Flex for Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- Regular Purchase APR: Flex for Business variable APR: 19.49% to 27.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
- You own a medium-sized business with cash reserves
- You make frequent large purchases of $5,000 or more
- You want to earn cash back from your business expenses
- You manage employees who will use their own issued cards
Marriott Bonvoy Bevy™ American Express
Marriott Bonvoy Bevy™ American Express
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bevy™ American Express Credit Card earns big rewards but has a hefty price tag. The card earns up to 18.5X on Marriott stays 4X on US dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and 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: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and U.S. dining purchases
- You don't want to pay foreign transaction fees
- You already have another Amex credit card or prefer the Amex payment network
Marriott Bonvoy Bountiful Card
Marriott Bonvoy Bountiful Card
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bountiful Credit Card earns big rewards but has a bigger price tag. The card earns up to 18.5X on Marriott stays, 4X on dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy
- Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
- Earn 2X points per $1 spent on all other purchases
- 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy
- Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $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: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and dining purchases
- You don't want to pay foreign transaction fees
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
The Gemini Credit Card™
The Gemini Credit Card™
- 17.99% to 29.99% (Variable) Regular Purchase APR
- 30.99% (Variable) Cash Advance APR
At a Glance
The Gemini Credit Card earns up to 3% back in crypto rewards, with rewards automatically applied to the cardholder’s account. Even better, they can trade and sell their cash back credit card rewards to over 60 different assets – with no annual fee or hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 17.99% to 29.99% (Variable)
- Cash Advance APR: 30.99% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.99% (Variable)
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
- You prefer to earn credit card rewards as cryptocurrency
- You want to choose from over 60 different crypto assets
- You plan to spend heavily on groceries and dining
- You do'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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