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National Bank of Arizona AmaZing Launch Secured Credit Card
National Bank of Arizona AmaZing Launch Secured Credit Card
- 12.99% variable based on the Prime Rate Regular Purchase APR
- 12.99% variable based on the Prime Rate Balance Transfer APR
- 12.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Low interest rate for a secured card - at least 2% lower than the national average APR for a secured card
- Establish, or rebuild credit
- Travel Accident Insurance and Auto Rental Insurance
- Visa Zero Liability
- Regular Purchase APR: 12.99% variable based on the Prime Rate
- Balance Transfer APR: 12.99% 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: 12.99% 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: $25
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $300
- N/A
National Bank of Arizona AmaZing Rate® Credit Card
National Bank of Arizona AmaZing Rate® Credit Card
- 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy the convenience of one of the lowest interest rates for personal cards on the market
- 0% introductory APR on purchases for 6 months after account opening
- 0% introductory APR on balance transfers for 12 months after account opening
- No annual fee
- Visa Zero Liability
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 5.99% to 11.99% 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: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- N/A
National Bank of Arizona AmaZing Rewards® Credit Card
National Bank of Arizona AmaZing Rewards® Credit Card
- 9.99% variable based on the Prime Rate Regular Purchase APR
- 9.99% variable based on the Prime Rate Balance Transfer APR
- 9.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Double AmaZing Rewards points for the first 90 days
- 0% intro purchase APR for 6 months after account opening
- 0% intro balance APR for 6 months after account opening
- Earn unlimited 1X points for every dollar spent
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 9.99% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months
- Balance Transfer APR: 9.99% 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: 9.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- N/A
First Hawaiian Bank Cash Rewards Credit Card
First Hawaiian Bank Cash Rewards Credit Card
- 16.99% variable based on the Prime Rate Regular Purchase APR
- 18% Cash Advance APR
At a Glance
The First Hawaiian Bank Cash Rewards Credit Card earns cardholders 3% cash back on gas purchases. Cardholders also earn 2% cash back on groceries and 1% on all other purchases. Your cash back appears on your account automatically each month. What’s more, this card features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 3% cash back on gas purchases
- Earn 2% cash back on grocery purchases
- Earn 1% cash back on everything else
- Regular Purchase APR: 16.99% variable based on the Prime Rate
- Cash Advance APR: 18%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 18%
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You don’t want to pay an annual fee
- You want to earn cash back on their purchases
- You spend the most on gas purchases
- You spend a lot of money on groceries
PEFCU VISA Secured Card
PEFCU VISA Secured Card
- 9.90% Regular Purchase APR
- 9.90% Balance Transfer APR
- 9.90% Cash Advance APR
At a Glance
Rebuilding credit is never easy. Fortunately, the PEFCU Visa Secured Credit Card makes building credit a breeze thanks to no annual fee and a fixed APR among the lowest in the nation.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit with financial responsibility
- Enjoy Visa cardholder protections
- Regular Purchase APR: 9.90%
- Balance Transfer APR: 9.90%
- Cash Advance APR: 9.90%
- Cash Advance Transaction Fee: See terms
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: See terms
- Minimum Deposit Required: See terms
- You're an existing Publix employee or qualify for PEFCU membership
- You have an imperfect credit history and need a secured card that makes carry a balance less difficult
- You can afford a minimum deposit of at least $300
- You don’t want to pay an annual fee
Valley Premier Rewards American Express® Card
Valley Premier Rewards American Express® Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4x points at restaurants
- Earn 3x points with airlines
- Earn 2x points at gas stations
- Earn 1x points on uncategorized purchases
- Global Entry/TSA PreCheck reimbursement
- No foreign transaction fees
- Annual fee waived the first year
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% 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: $0 for the first 12 months. After that, $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- N/A
Valley Cash Rewards American Express® Card
Valley Cash Rewards American Express® Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back at gas stations up to $6,000 per year
- 2% cash back at supermarkets
- 1% cash back on all other purchases
- $25 reward bonus after your first purchase
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- N/A
Valley Visa Signature® Real Rewards Card
Valley Visa Signature® Real Rewards Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5 points for every dollar you spend
- Get 2,500 bonus points after your first purchase
- 0% introductory APR on purchases for 6 months
- 0% introductory APR on balance transfers for 6 months
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% 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: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- N/A
USF Secured Visa®
USF Secured Visa®
- 14.24% variable based on the Prime Rate Regular Purchase APR
- 14.24% variable based on the Prime Rate Balance Transfer APR
- 14.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The USF Secured Visa® gives those with bad credit (or no credit) the financial freedom of a full-fledged credit card. Cardholders can enjoy a low, fixed-rate APR for purchases, balance transfers, and cash advances for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Digital-wallet compatible
- No penalty APR
- Travel and accident Insurance
- Travel and emergency assistance
- Auto rental insurance
- Regular Purchase APR: 14.24% variable based on the Prime Rate
- Balance Transfer APR: 14.24% variable based on the Prime Rate
- Cash Advance APR: 14.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
- You have bad credit but want a large credit limit (potentially over $10,000)
- You're unable to qualify for balance transfers due to your credit score
- You may need to carry a balance
- You need a card that’s understanding of an inconsistent financial situation
- You want a card with no annual fee
SBI Visa® Secured Card
SBI Visa® Secured Card
- 20.99% variable based on the Prime Rate Regular Purchase APR
- 20.99% variable based on the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive up to a $5,000 credit limit
- Establish a positive credit history with on-time payments
- Minimum deposits starting from $300
- Fixed-rate APR
- Regular Purchase APR: 20.99% variable based on the Prime Rate
- Balance Transfer APR: 20.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% 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: $35
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $300
- N/A
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What Does It Mean to Have “No Credit History?”
When it comes to financial matters, having a credit history plays a crucial role in determining your creditworthiness and financial stability. Typically, “no credit history” refers to a situation where an individual has no previous credit accounts or borrowing history. This means that there are no records of loans, credit cards, or any other form of credit in their name.
But just because you don’t have a credit history does not mean you’ve never had credit. You can have experience with credit in the past, yet you still have no credit history, according to FICO or VantageScore.
No Credit vs. No Credit History
No credit means you have no recent credit history. Those without a credit history within the last seven to ten years will find themselves lumped into the same “no credit” category as those who are entirely new to credit. So, even if you have borrowed money in the past, you may have no score.
FICO, VantageScore, and Credit History
Different credit scoring models have different definitions of no credit history.
FICO requires the following to establish a credit history:
- One tradeline reported within the previous six months. A tradeline is also known as a credit account.
- A tradeline at least six months old.
- Proof that the account holder is alive.
On the other hand, VantageScore does not have strict requirements for establishing a credit history. The VantageScore model only needs one month of credit activity to generate a credit score, which makes the scoring system popular with those who want to judge an applicant’s recent credit activity.
Regardless, you might not have a credit score if you don’t satisfy the requirements above.
The absence of a credit history can make it difficult for individuals to access loans, rent an apartment, or even secure a job. Lenders, landlords, and employers often rely on credit history to assess an individual’s financial responsibility and trustworthiness.
Why Does Credit Matter?
Credit plays a significant role in our daily financial and personal lives. Individuals with excellent credit scores enjoy numerous benefits, including increased access to credit, higher credit limits, and lower interest rates. These advantages stem from the fact that they have demonstrated their financial responsibility and trustworthiness to lenders.
The importance of having a credit history cannot be overstated. Firstly, it allows lenders to assess your creditworthiness when you apply for a loan. A strong credit history showcases your ability to manage credit responsibly, positioning you as a lower-risk borrower. This can lead to more favorable loan terms, such as lower interest rates.
Moreover, credit history often factors into landlords’ decision-making process when considering rental applications. A solid credit history instills confidence in landlords regarding your ability to pay rent on time. Similarly, employers may review credit history to evaluate an individual’s financial stability and responsibility, particularly for roles that involve financial trust.
Impact of No Credit or Bad Credit
A poor or bad credit score can cause various troubles in your life:
Trouble Renting
Finding an apartment can be a struggle for those with bad credit. Landlords and rental agencies consider an applicant’s credit report and a bad score can indicate a potential risk of missing rent payments. This can lead to rejections when applying for accommodation.
Loss of Job Opportunities
Employers can access your credit report and see past marks on your file. These credit marks can put you at risk for employment, as employers might deem you untrustworthy if you are susceptible to financial manipulation.
Poor Credit Options
People with bad credit struggle to find good credit products at reasonable rates. This lack of options extends to other services and products, like insurance. Most apparent with auto insurance, as insurers believe those with lower credit scores are more likely to submit a claim.
Given the difficulties experienced by those with poor credit, imagine how difficult it is to have no credit.
How to Build a Credit History
Building a credit score requires time and patience. However, there are specific steps you can take right away to improve your score in as little as a few months.
① Check your credit score | The first thing you should do is check your credit score to see where you stand. You might already know your credit score is bad, but how far down on the scale, does it go? Knowing how fast you can improve your credit from “bad” to “fair” is crucial to making a financial plan of attack. |
② Get a credit card for subprime credit | Part of boosting your credit score is increasing your use of credit. For those with bad credit, this may seem counter-intuitive. Fortunately, there are many unsecured credit cards for poor credit and secured cards that can help you repair your credit score. |
③ Pay on time each month | As seen in the scoring models, payment history is the biggest factor in your credit score. Because payment history is so important, paying your credit card bill on time each month is essential to boosting sub-prime credit. Missed payments stay on a credit report for seven years. |
④ Keep your credit use low | Credit utilization is as important as paying on time. Credit utilization shows lenders how you use your credit. Those who keep their credit use below 30% can expect their score to improve, while those who use less than 10% can expect a much faster score rise. |
Other Ways to Build Credit
Building Credit with Secured Credit Cards
One effective method of establishing credit is obtaining a secured credit card. Secured cards require a cash deposit as collateral, which serves as your credit limit. By using the card and making timely payments, you can demonstrate your ability to manage credit responsibly, which can help you build a positive credit history over time.
Becoming an Authorized User
Another way to establish credit is by becoming an authorized user on someone else’s credit card. This allows you to piggyback on their credit history, as the account activity will also be reported on your credit report. However, choosing a responsible and trustworthy individual is crucial, as any negative actions could also impact your credit.
Build Credit with Alternative Data
If you have been paying rent, utilities, or phone bills on time, you can use alternative credit data to build credit. Some credit reporting agencies consider these payments as part of your credit history.
An example of an alternative credit data tool is Experian Go. The Experian Go program is designed with the credit invisible in mind. Experian Go lets users build their credit history on their terms, using Experian’s industry-leading knowledge base and credit experts.
Enrolling services like this ensures that your positive payment history is reported to credit bureaus, helping you establish credit.
Tips for Building a Strong Credit History
To build a strong credit history, practicing responsible credit management is important. Here are some best practices to keep in mind:
- Pay your bills on time: Timely payments are crucial for establishing and maintaining a positive credit history. Consider setting up reminders or automatic payments to ensure you never miss a due date.
- Keep credit utilization low: Aim to keep your credit card balances below 30% of your credit limit. High credit utilization can negatively impact your credit score.
- Avoid opening too many accounts: While having a mix of credit accounts is important, opening too many accounts within a short period can raise concerns for lenders.
- Regularly check your credit report: Monitor your credit report for any errors or inaccuracies. If you notice any discrepancies, report them to the credit bureaus immediately.
Remember, building a strong credit history takes time and consistent effort. By following these tips, you can improve your creditworthiness and increase your chances of obtaining favorable credit terms in the future.
Conclusion
Establishing credit with no credit history may require some effort and patience, but it is a crucial step towards achieving financial stability. Following the strategies above, you can start building a strong credit history that will open doors to better loan terms, rental opportunities, and employment prospects. Remember to practice responsible credit management, regularly monitor your progress, and seek out available resources to support your journey toward establishing credit.
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Sub-Prime & Secured Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.