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Quicken® World Mastercard®
Quicken® World Mastercard®
- 18.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Quicken® World Mastercard® offers Quicken users with impressive points on everyday purchases and solid travel perks – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 2X points on recurring bills, including utilities, telephone, cable, club memberships, and even your Quicken software subscription
- Earn 2X points on groceries and dining
- Regular Purchase APR: 18.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.49% to 27.49% 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: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You already use Quicken products and services
- You spend frequently on recurring bills, memberships, and other charges
- You plan to spend at least $500 within the first 90 days
- You do't want to pay an annual fee
Point Card
Point Card
At a Glance
The Point Debit Card is a fintech debit card that offers credit card rewards and protections but forgoes the credit card or negatives that can come from credit. The card, from Radius Bank, features an annual fee of $49.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X points per $1 on subscriptions, 3X points on food deliver and rideshares, and 1X points on everything else
- Membership includes access to exclusive partner offers through collaborations with up-and-coming brands
- Receive up to a $1,000 reimbursement if a new item bought with the Point Card is damaged or lost within 90 days of the purchase
- Get trip cancellation insurance of up to $1,500 for any out-of-pocket expenses you incur
- Receive both a physical and a virtual card for purchases
- Annual Fee: $49
- You want credit card rewards without the need for a credit card
- You have little or no credit history
- You want to earn rewards for cash deposits into checking accounts
- You don’t plan on making ATM withdrawals
Bank of America® Customized Cash Rewards Secured Card
Bank of America® Customized Cash Rewards Secured Card
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 30.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bank of America® Customized Cash Rewards Secured Card is a cash back rewards and secured credit card that provides up to 3% cash back on purchases for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back in the category of your choice: gas and EV charging, online shopping, cable, phone, and internet plans, select streaming, dining, travel, drug stores, or home improvement/furnishings
- 2% cash back at grocery stores and wholesale clubs
- Unlimited 1% cash back on all other purchases
- No annual fee
- 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 3% of the amount of each transaction, 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 transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $300
- You have bad credit or no credit history at all
- You want to earn up to 3% back while building your credit score
- You have $300 available for a security deposit
- You do't want to pay an annual fee
Current Debit Visa Card
Current Debit Visa Card
At a Glance
The Current Debit Visa Card for teens provides teenagers with the financial freedom of a Visa debit card and parents the total security of account controls, and more. The card account, from Choice Financial Group, is fully FDIC insured through and costs $36 per year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No hidden fees
- Earn up to 15X points at over 14,000 participating merchants in the U.S.
- Get paid up to 2 days early when you sign up for direct deposit
- Free instant money transfers, spending notifications, spending limits, and more
- Annual Fee: See Terms
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- You have a teenager and you want for them to learn financial responsibility
- You want total account control to block risky purchases
- You want to set spending limits for your child
- You're seeking a streamlined chores/allowance platform
WWE® Champion Credit Card
WWE® Champion Credit Card
- 25.49% variable based on the Prime Rate Regular Purchase APR
- 25.49% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3% cash back rewards on eligible internet, cable and satellite TV, and mobile phone service purchases
- Earn 2% cash back on eligible dining purchases
- Earn 1% cash back on all other eligible purchases
- Get access to promotions for WWE Credit Card members
- Regular Purchase APR: 25.49% variable based on the Prime Rate
- Cash Advance APR: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $49
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
Six Flags® Rewards Visa
Six Flags® Rewards Visa
- 25.49% variable based on the Prime Rate Regular Purchase APR
- 25.49% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points on eligible Six Flags purchases
- Earn 2X points on eligible gas, grocery, and lodging purchases
- Earn 1X on all other eligible purchases
- Points never expire
- Regular Purchase APR: 25.49% variable based on the Prime Rate
- Cash Advance APR: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Annual Fee: Up to $39
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: up to $39
- Return Payment Penalty Fee: Up to $39
- N/A
Coinbase Card
Coinbase Card
At a Glance
The Coinbase Card is a crypto rewards debit card that features up to 4% back on all purchases in crypto for no annual fee. The card provides seamless integration with a user’s Coinbase wallet but comes with a number of transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Spend any asset in your Coinbase portfolio and earn rewards for each purchase
- Spend crypto everywhere Visa debit cards are accepted
- No annual fee or signup fee
- Phone and email support available whenever you need it
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You already use Coinbase
- You want to use your crypto to make purchases
- You prefer to earn cash back rewards in crypto and are willing to gamble on Stellar Lumens
- You do't want to pay an annual fee
- You understand the transaction fees the card charges
Fold Visa® Prepaid Card
Fold Visa® Prepaid Card
At a Glance
Cryptocurrencies offer significant growth for investors, and the Fold Visa Prepaid Debit Card is an intriguing way to earn rewards in BTC for your everyday purchases. The card offers all the benefits of the Fold mobile app with the payment network of Visa, making it easy to earn Bitcoin online or in-store.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get access to Fold+ member pricing on Amazon gift cards
- Each purchase activates a spin on the Spin Wheel Sweepstakes
- Enjoy boosted merchant offers
- Get up to 100% back in rewards after your purchases
- Annual Fee: Up to $150
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You don’t want an inquiry on your credit score or distrust credit cards
- You prefer to earn rewards in Bitcoin versus Ethereum, Litecoin, or other cryptocurrencies
- You're vigilant to ensure your use your wheel spins and don’t let them expire
Crypto.com Visa Card
Crypto.com Visa Card
At a Glance
The Crypto.com Visa Card is a prepaid crypto card that offers cash back crypto rewards with every purchase and rebates on subscriptions for lower tiers – and impressive travel perks for ultra-premium tiers. The card, from Crypto.com, requires varying CRO stakes to open but offers up to 8% back with every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn rewards paid in CRO token
- Earn rewards towards rebates with selected merchants
- Industry events access
- Five card tiers with increasing rewards per tier
- Priority customer service
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You prefer your rewards as cryptocurrency but don’t want to be tied to Bitcoin
- You want to earn rebates on your monthly subscription services
- You enjoy the Crypto.com ecosphere
- You don’t want to be tied to a credit card or have an inquiry on your credit report
Icelandair Premium Mastercard®
Icelandair Premium Mastercard®
- 20.99% variable based on the Prime Rate Regular Purchase APR
- 20.99% variable based on the Prime Rate Balance Transfer APR
- 28.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 2X points per $1 on Icelandair purchases
- Earn 1 point per dollar spent on all other purchases
- Low $39 annual fee
- 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 $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% 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: $39
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- 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.
Check out more
Sub-Prime & Secured Credit Cards
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