The is a convenient card for managing your expenses without a checking account. The number of Americans without bank accounts might surprise you. According to CNBC, 25% of American households are “unbanked or underbanked.” Card issuers like Netspend can help fill this void, offering people the convenience of a Visa insignia card and the ability to load money onto the card in a variety of ways. The NetSpend® Visa® Prepaid Card isn’t free to use, but for Americans with no credit history, this prepaid debit card offers security and convenience that you can’t beat. What we like about the NetSpend® Visa® Prepaid Card There’s no credit check or banking history needed to get one. You can open a high-yield (5% APR) savings account that… [Read More...]

The lets you earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and 6% on U.S. streaming subscriptions, 3% at U.S. gas stations and transit and 1% on everything else. If you routinely charge everyday purchases to your credit card, the Blue Cash Preferred® Card from American Express gives you the ability to earn hundreds in cash back every year. The card also comes with all the features typically offered by American Express, including car rental loss and damage insurance, fraud protection, the Global Assist Hotline, complimentary membership in ShopRunner and Pay It Plan It, which lets you break big-ticket items down into smaller payments. Despite the $95 See Rates & Fees annual fee, you’ll… [Read More...]

is the ultimate travel rewards card for serious businesses. With its monstrous $595 See Rates & Fees annual fee and perks geared directly to travel and business expenses, you’ll need to spend a significant amount every month in those two categories to take full advantage of what this card has to offer. If you and others in your company do spend a lot of time at the airport, this card is absolutely worth the large annual fee. The Business Platinum® Card from American Express has a large welcome bonus (paired with an equally high minimum spend) and premium travel perks like access to Amex’s luxurious Centurion Lounges and automatic Gold Elite status with Marriott Bonvoy and Hilton Honors. What we like about The Business Platinum® Card from… [Read More...]

The is a credit card designed for rebuilding credit. This card has flexible approval requirements, a competitive annual percentage rate (APR) and comes with the Mastercard Gold benefits. Further, all payment activity is reported to the three credit bureaus (Experian, Equifax and Transunion). As long as you are managing the card responsibly, it can help you build a positive credit history . However, before you sign up, you should compare it against other entry-level credit cards, as there are alternatives that offer more in terms of affordability and perks. What we like about the Milestone® Gold Mastercard® The card comes with chip protection to add additional fraud protection. Customer service is available online, 24 hours a day, seven days per week. IDT provides numerous resolution services if your … [Read More...]

The is a simple and straightforward card, that allows carholders to build credit by making on-time payments. There’s no credit check required — all that’s needed is a minimum refundable security deposit of at least $200, which determines your line of credit. This card can help people with no credit history, such as students and young adults, build credit by making on-time payments. It can also help those with poor to fair credit increase their credit scores with responsible use. Cardholders get access to online card management, as well as automatic payment set-up, so they can build up their credit with ease. While it does carry a small annual fee, this card has a lower variable APR compared to similar credit-building cards. What… [Read More...]

The lives up the Brinks Home Security name, as it is perfect for those who prioritize safety and want protection against unauthorized transactions. With no late fees or interest charges that usually accompany a credit card, this prepaid debit card offers cardholders a chance to rein in their discretionary budget. The Brink’s Prepaid Mastercard® won’t raise your credit score, but it does allow users to escape the hassle of credit checks and interest charges if you simply crave cashless convenience. What we like about the Brink’s Prepaid Mastercard® Payback Rewards: Cardholders earn cash back for everyday purchases and receive customized offers for using the card. Speedy direct deposit: If you choose your Brink’s Prepaid Mastercard® for direct deposit, you can see your payment reflect on … [Read More...]

If you’re having trouble getting a credit card because you’ve got poor credit, then the can potentially offer you a second chance to rebuild your credit. With small starter and cash advance limits, you’re likely to stay on track with payments and become more confident with your finances. Additionally, First Access Visa® Credit Card reports to major credit agencies monthly, so you’ll be able to improve your credit rating relatively quickly. However, a major drawback is the card’s high fees compared to other cards in the credit-building category. You can expect annual and even monthly servicing fees. The APR is hefty as well, so it’s important to repay outstanding balances each month to avoid high interest charges. What we like about the First Access Visa® Credit… [Read More...]

The Fingerhut Credit Account offers a credit card for bad credit that is easy to qualify for and has no annual or other recurring fees. For people with a limited credit history, it can be tough to get an unsecured credit card that doesn’t engage in fee harvesting — the practice of tacking on fees that eat into a cardholder’s credit limit and can lead to costly interest charges. The Fingerhut Credit Account is issued by WebBank, a lender that offers savings and time deposits. WebBank also has brand partnerships with a number of big companies, including PayPal, Avant, Yamaha and Fingerhut, offering business loans, auto finance loans and credit cards through these companies’ platforms. The is a bit unique. Unlike many private-label cards, it reports… [Read More...]

The is a great card for students who don’t have enough credit history to qualify for more lucrative rewards credit cards, but who don’t want to settle for a card without perks. The Journey® Student Rewards from Capital One® is structured to teach and reward good credit practices by rewarding on-time payments with a higher rewards rate. By learning to responsibly use this card, students can earn up to 1% cash back on all purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Card APR Annual Fee Intro Bonus Credit Needed Key features Journey® Student Rewards from Capital One® 26.74% (Variable) APR $0 None Fair to Good Unlimited 1% cash back on every purchase What we … [Read More...]