Petal 2 Visa Credit Card 2021 review

The Petal 2 credit card, which has no annual fee, is a good option for anyone with a good credit history. It's one of the only no-annual-fee credit cards available to those with bad credit that may earn up to 1.5 percent cash back, making it a unique find among unsecured credit cards designed to help people develop credit. The Petal 2 card's reward structure sows the seeds of responsible payment behaviour. On qualified purchases, you'll get 1% cash back to begin with. You'll get 1.25 percent cash back after six months of on-time payments. If you make on-time payments for another six months in a row, your earnings rate will increase to 1.5 percent cash back. Plus, if you buy with certain merchants through Petal Offers, you could get 2% to 10% back on your purchase.

At a Glance-

• Earn 1% cash rewards on eligible purchases with the ability to earn up to 1.5%
• APR range: 12.99% – 26.99%
• No foreign transaction fees
• No welcome bonus
• Balance transfers and cash advances not permitted
• No annual fee, account opening or maintenance fees
• Available to those with limited or no credit history
• Credit limits from $500 to $10,000

Major highlights –

• Variable APRs range from 12.99% to 26.99%.
• Thousands of Petal Card members can help you build credit.
• Cash flow technology may be able to assist candidates with no credit history in obtaining approval.
• Petal's mobile app makes it simple to manage your finances, keep track of your spending, and set up automatic payments.
• Check your credit score and see if you're pre-approved in minutes.
• Petal sends credit reports to all three major credit bureaus.
• There are no deposits necessary.
• Web Bank, an FDIC-insured financial institution, issued the card.
• There are no charges at all. There are no late fees, foreign transaction fees, annual fees, or any other fees.
• After making 12 on-time monthly payments, you can get up to 1.5 percent cash back on eligible purchases.
• On qualified purchases, you'll get 1% cash back straight immediately.
• Cash return ranging from 2% to 10% at chosen shops
• Credit limits range from $500 to $10,000.

Advantages-

• No fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee
• No security deposit
• No credit history required

Disadvantages-

• No intro APR offer
• No cash advances or balance transfers
• Applicants with a damaged credit report may not qualify

At a glance-

• There are no yearly fees, account opening fees, or account maintenance expenses.
• Those with a bad credit history or no credit history can apply.
• Limits range from $500 to $10,000.
• On qualified purchases, earn 1% cash back with the possibility of earning up to 1.5 percent.
• Range of APR: 12.99 to 29.99 percent
• There are no costs for international transactions.
• There is no welcome bonus.
• Cash advances and balance transfers are not permitted.

Contact details of Petal 2 credit card-

Contact Number - 1-855-697-3825
Email- support@petalcard.com 
NOTE- Petal’s customer service team is available Monday to Friday, 8 am to 10 pm ET, and Saturdays from 9 am to 6 pm ET.

How do I cancel Petal 2 Visa credit Card?

You can close your account by calling at 1-855-697-3825. Don’t forget to cancel any automatic charges or subscriptions!

Tomo Credit Card 2021 Review

Tomo was designed to get around this problem by not checking an applicant's credit score at all. Instead, candidates supply Tomo with information about their checking, savings, and/or asset accounts, which is utilised to evaluate eligibility and, if accepted, credit limit. Tomo, like any good credit card that aims to improve your credit score, reports to all three credit bureaus. The Tomo Credit Card offers a new strategy to improve your credit if you have terrible credit or no credit history. Unlike a traditional credit card, which charges interest on all outstanding amounts, Tomo requires weekly payments using an auto pay mechanism, which prevents any outstanding balance from being carried on the card. And you won't be authorised if you don't have a credit history; instead, your application will be evaluated based on your banking information, income, and other details.

At a Glance-

• No annual fee
• No APR charges
• Earn 1% cash back on every purchase, with higher rates possible for referrals
• Have to be preapproved to receive an actual opportunity to apply
• Must auto-pay your bill every week
• Must allow Tomo to link to your relevant financial information

Major highlights –

• Non-U.S. citizens are eligible to apply
• No security deposit
• No credit check or credit history required
• Reports to all 3 major credit bureaus
• Up to $10,000 credit limit
• No interest charges
• No annual fee
• Earn unlimited 1% cash back on all eligible purchases
• Expedited auto pay including weekly, bi-weekly, and monthly payments

Advantages-

• No credit check required
• No annual fee
• No APR charges

Disadvantages-

• Not all financial institutions can easily be linked to your account for approval
• Other alternative credit cards may offer better rewards and other benefits
• Have to be preapproved before getting an actual card application

Tomo Credit Card Contact Details-

Email- help@tomocredit.com
Location- TomoCredit Inc
535 Mission Street, Floor 14
San Francisco, CA 94105

Other Card Benefits-

• Zero Liability Protection: As a MasterCard cardholder, you are not liable if someone uses your card to make illicit purchases.
• Get emergency assistance in any language with MasterCard Global Service. It also assists you in reporting a lost or stolen card, requesting an emergency card replacement or cash advance, locating an ATM, and addressing account-related queries.
• MasterCard ID Theft Protection: Activate your card by entering your card number, and you'll receive alerts and resolution services if suspicious activity is discovered.

Wells Fargo active cash card review

On purchases, the Wells Fargo Active CashSM Card gives you an unlimited 2% cash reward. It also includes a 0% intro APR on purchases and qualifying debt transfers for the first 15 months after account establishment, after which a variable APR of 14.99 percent to 24.99 percent applies. The introductory rate and charge of 3% apply to balance transfers completed within 120 days. After that period, balance transfers incur a cost of up to 5%, with a minimum charge of $5. It also features a welcome bonus of $200 when you spend $1,000 in the first three months.

Highlights-

• $0 annual fee
• When you pay your monthly cellular telephone bill with your Wells Fargo Active CashSM Card, you can get up to $600 in protection for your phone (subject to a $25 deductible) against covered damage or theft.
• There are no sign-up or category restrictions, and cash rewards do not expire as long as your account is active.
• With Visa Signature Concierge, you may enjoy a premium assortment of privileges at some of the world's most intriguing and distinguished hotel establishments.
• New! Spend $1,000 in the first three months to receive a $200 cash rewards incentive.
• On all purchases, you can earn an infinite amount of 2% cash back.
• 0% intro APR on purchases and qualifying balance transfers for 15 months from account activation, then 14.99 percent to 24.99 percent variable APR; balance transfers made within 120 days qualify for the promo rate and fee of 3%, then a BT fee of up to 5%, min: $5

Advantages –

• Unlimited 2% cash rewards on purchases
• No annual fee
• Introductory APR
• Welcome bonus
• Cell phone protection benefit

Disadvantages-

• Foreign transaction fee
• Balance transfer fee

At a glance –

• There is no annual charge.
• Rewards of 2% cash back are available indefinitely.
• Purchases and qualified balance transfers have a 0% intro APR for 15 months from account establishment, after which a variable APR of 14.99 percent to 24.99 percent applies. Balance transfers made within 120 days are eligible for a 3% intro rate and charge. Balance transfers made after that period are subject to a cost of up to 5%, with a minimum fee of $5. $200 cash rewards bonus after spending $1,000 in the first three months.
• Fee for international transactions of 3%

Contact Details-

• General Banking Customer care services- 1-800-869-3557
  24 hours a day, 7 days a week
• Wells Fargo Online Customer Care services contact Number- 1-800-956-4442
  24 hours a day, 7 days a week

Cancellation process of Wells Fargo active cash card-

Wells Fargo accounts cannot be cancelled online. You'll have to contact customer support at 800-869-3557 or go to a local branch instead. Select the option to talk with a representative, and then inform them that you want to cancel your account. The agent is likely to want to keep you as a customer and encourage you not to close your account. If you keep your account open, you might get a retention offer or some other incentive. Remember that if your account balance is zero and there are no pending transactions, you have the option to close it.

U.S. Bank Cash+® Visa® Secured Card review

In most wallets, the U.S. Bank Cash Visa Signature® Card* is unlikely to be the best primary credit card. It has a convoluted earning strategy that will take time to master, and while it does give up to 5X Reward Rate in some categories, the category possibilities are unlikely to appeal to the majority of individuals. The U.S. Bank Cash+ Card, on the other hand, may be beneficial to people wishing to add a card to their wallet and are ready to put in some effort.

Major Highlights-

• Each quarter, earn 5% cash back on your first $2,000 in combined qualified purchases in two areas of your choice (1 percent thereafter)
• Earn 2% cash back on one of your favourite everyday purchases, such as petrol stations, grocery stores, or restaurants.
• On all other qualified purchases, you'll get 1% cash back.
• After you apply online and spend $1,000 on eligible purchases within the first 120 days of account activation, you'll get a $200 rewards bonus. You'll also get a 0% intro APR on balance transfers for the first 18 billing cycles.
• There is no annual charge.

Advantages –

• High Cash Back Rate on Select Categories: With this card, you'll get strong 5% cash back on up to $2,000 spent each quarter in two categories of your choice—though you'll be limited to a list provided by US Bank. You'll also get a limitless 2% back on any everyday spending category you choose from a list of choices. You'll choose new categories every three months, giving you greater flexibility over how you earn incentives. However, if you don't engage any bonus categories, all of your purchases will only earn you 1% back.
• Potentially Beneficial Introductory Offers: As a new cardholder, you'll get $150 cash back after spending $500 in the first 90 days, as well as a 12-month introductory 0% APR on balance transfers. If you have a balance on another credit card, transferring it to the U.S. Bank Cash Plus card might save you hundreds of dollars in interest, considerably more than the bonus value. Let's imagine you have a $3,000 balance on a card with a 20% interest rate.

Disadvantages-

• Low Base Rewards Rate: While bonus categories can earn you up to 5% cash back, it's probable that most of your purchases will only earn you 1% cash back, especially if you only use one card. This difficulty can be solved in one of two ways: either choose a card that offers a greater rewards rate on all transactions, or match the U.S. Bank Cash Plus with a card that offers 1.5 percent or 2 percent back on all purchases.
• Complicated Reward Structure: If getting the most out of your rewards is your main goal, this card offers several options. However, you'll have to put in some effort, such as evaluating your buying habits to figure out which bonus categories to choose and ensuring that you activate them on time each quarter. To put it another way, if you're searching for a simple cash-back rewards credit card, this isn't it. Other cash-back credit cards give a flat rewards rate of 1.5 percent or 2% on every purchase.
• Purchases with no introductory 0% APR: Many cash-back credit cards that provide a 0% APR initial offer do so for both new purchases and balance transfers. This card, on the other hand, levies interest on purchases from the start. It won't be a problem if you only require the balance transfer promotion. However, if you want to finance a significant purchase and pay it off over time without incurring interest, look for a card that would allow you to do so.

At a glance –

• In the first year, you might get up to $550 in cash back.
• After spending $500 in eligible net purchases during the first 90 days after account opening, you'll get a $150 bonus.
• On your first $2,000 in cumulative eligible net purchases ($100 per quarter), you'll get 5% cash back on two categories of your choice. That's a total of $400 in cash back!
• You can get 2% cash back on one everyday category, such as petrol stations or grocery stores.
• All other qualified net purchases will earn you 1% cash back.
• There is no limit to the total amount of cash back that can be received.
• On debt transfers, there is a 0% Intro APR* for the first 12 billing cycles. Following that, a variable APR of currently 13.99 percent to 23.99 percent is applied.
• *There is no annual charge.

U.S. Bank Altitude® Go Visa® Secured Card review

The U.S. Bank Altitude® Go Visa Signature® Card is sure to appeal to everyone who eats, with juicy profits on food purchases and no annual fee, The generous benefits on takeout, food delivery, and dining, as well as the above-average rewards on grocery shops, grocery delivery, streaming services, and gas stations, make this card an appealing alternative for dining in, dining out, or preparing your own feast.

Major Highlights-

• $15 credit for annual streaming service purchases such as Netflix and Spotify
• No annual fee*
• 1X point per $1 on all other eligible purchases
• Low Introductory APR on purchases and balance transfers
• Points never expire
• Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
• Earn 4X points on takeout, food delivery and dining
• Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services

Advantages –

• No foreign transaction fee
• No penalty APR
• For a no-annual-fee card, the rewards rates are very generous
• Annual credit toward eligible streaming services

Disadvantages-

• Has balance transfer fee
• No bonus reward tier for entertainment spending

At a glance –

• There is no annual charge.
• Spend $1,000 on eligible purchases within the first 90 days after account opening to earn 20,000 bonus points. This is a $200 value that may be used for items, gift cards, cash back, travel, and other things.
• For the first 12 payment cycles, you can get a 0% APR on purchases and debt transfers. The APR will thereafter range from 14.99 percent to 23.99 percent (variable), depending on your creditworthiness.
• There are no foreign transaction fees.
• Earn 4 points for every dollar you spend on takeout, delivery, and dining.
• Spending money at grocery stores, grocery delivery, qualified streaming services, and gas stations earns you 2 points every dollar spent.
• On all other qualified purchases, you'll get one point for every dollar spent.
• After 11 consecutive calendar months of streaming service purchases on the card, you'll get a once-yearly $15 credit for qualified annual streaming services.
• Flexible redemption options are available.
• Points do not have an expiration date.
• Because cash back redemptions begin at 2,500 points, you'll need to earn enough points before you can cash out.

Customer Care Number of U.S. Bank Altitude® Go Visa® Secured Card –

• U.S. Bank Altitude® Reserve Visa Infinite® Card- 844-357-2015

How do I lock Unlock my card?

• Select My Accounts at the top of the page, then select the checking account your debit card is linked to.
• Select Account security on the left, then Lock or unlock card.
• Select Lock card or Unlock card to complete the action.

How to I activate my Debit card?

• Select Customer Service from the top menu bar and then select Self Service.
• Select Activate Debit/ATM Card under the Debit Card & ATM Card section.
• Input the card information and follow the prompts to complete the activation.

Citi Custom Cash℠ Card Review

The Citi Custom CashSM Card is a no-fee cash-back credit card. This card stands out from the competition because it offers a one-of-a-kind opportunity to earn up to 5% back on your top spending category each billing cycle – on up to the first $500 spent. Whether you're a first-time credit card user or looking for a card that will help you get the most out of purchases that don't fit into other bonus categories, you'll want to keep this card in your wallet.

Major Highlights –

• No Annual fee
• After spending $750 on purchases in the first three months of your account, you'll receive $200 in cash back. This incentive will be sent in the form of 20,000 ThankYou® Points, which can be redeemed for $200 in cash.
• For 15 months, you can get a 0% intro APR on balance transfers and purchases. The variable APR will thereafter range from 13.99 percent to 23.99 percent, depending on your creditworthiness.

Advantages –

• Each billing cycle, receive cash back in your top spending area automatically.
• Points can be redeemed for cash, statement credit, gift cards, travel, or direct deposit.
• For direct deposit, statement credit, gift cards, and travel, there is no minimum redemption.
• Points are worth one penny each.
• Combine your points with those from other Citi ThankYou cards.

Disadvantages-

• High balance transfer fee
• High foreign transaction fee
• Eligible bonus cash back categories are limited

At a Glance-

• No annual fee
• Welcome bonus: $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back
• Each billing cycle, you'll get 5% cash back on purchases in your top qualified spend category, up to $500 in spending every month. On all other purchases, you'll get 1% cash back.
• Several of the cash-back categories that qualify for bonus rewards aren't available on other cards.
• For 15 months, get a 0% introductory APR on qualified balance transfers and purchases. After that, depending on your creditworthiness, the variable APR will range from 13.99 percent to 23.99 percent.

Rewards Rate-

• 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
• 1% cash back on all other purchases

Benefits –

• Cellphone protection
• 24/7 World Elite Concierge assistance
• Three free months of DashPass, the monthly subscription service from DoorDash (a $9.99 per month value), plus $5 off your first 2 orders per month
• $5 Lyft credits after three rides each month
• Complimentary ShopRunner membership for free two-day shipping and free returns with 100+ online retailers

Customer Care number of The Citi Custom CashSM Card

• Australia - Toll-free: 1-800-252-856
• Bahrain- Post Account Opening Toll-free: 8000-4884
• Canada- Toll-free: 1-800-248-4674 Pre Account Opening Toll-free: 1-866-703-2462
• UAE- Pre Account Opening Toll-free: 8000-172-122 Post Account Opening Toll-free: 800-035703463
• Hong Kong- Toll-free: 800-908-413
• India- +91 22 4955 2484
• Singapore - Toll-free: 1-800-225-7211 Pre-Account Opening: 800 101 2342
• Thailand- Toll-free: 001-800-65-6196
• Europe- Toll-free from UK: 0800 032 2484 Toll-free from Europe: 00-800-2484 2484 Pre Account Opening Toll-free: 0808 101 7384
• USA- Toll-free: 1-800-248-4674 Pre Account Opening Toll-free: 1866 703 2462 Email nrinfo@citi.com for pre-account opening queries

How to block Citi Custom Cash℠ Card?

• Log in to the Citibank website using your user ID and IPIN.
• On the left-hand side of the screen, click on ‘Credit card’.
• Click on ‘Other services and queries’ located on the left side of the screen.
• Click on ‘Report lost/stolen card’.
• A new page will then open guiding you to block your card.

Chase Sapphire Preferred® Card Review

Because of its cheap annual fee, excellent rewards structure, and different travel safeguards, the Chase Sapphire Preferred Card is one of the finest starter travel credit cards on the market. The Sapphire Preferred should provide outstanding value to everyday spenders and rewards gurus alike, with new and expanded bonus categories, a $50 yearly hotel stay credit through Chase, and a 10% point match-style anniversary incentive.

Major Highlights-

• Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
• Annual Fee: $95
• Purchase Intro APR: None
• Balance Transfer Intro APR: None
• Regular APR: 15.99 percent to 22.99 percent variable
• Dining (including qualified delivery services), some streaming services, and online grocery purchases (excluding Walmart, Target, and wholesale clubs) earn 3X points. 5X points on Chase Ultimate Rewards travel and Lyft Rides (Lyft deal ends March 2022); 2X points on all other travel; 1X points on all other transactions.

Advantages –

• Earn high rewards on several areas of spending
• Transfer points to travel partners at 1:1 rate
• Many travel and shopping protections

Disadvantages-

• Annual fee
• No intro APR offer
• Best travel rewards are only for bookings through Chase

Points to be Noted-

• After you spend $4,000 on purchases in the first three months of your account, you'll get 60,000 bonus points. When you redeem with Chase Ultimate Rewards®, you'll get $750.
• Benefits include a $50 yearly Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, and 2X points on all other travel purchases, among other things.
• When you use Chase Ultimate Rewards® to book flights, hotels, car rentals, and cruises, you'll get a 25% bonus. 60,000 points, for example, are worth $750 in airfare.
• When you use Pay Yourself BackSM to redeem points for statement credits against existing purchases in specified, rotating categories, your points are worth 25% more during the current promotion.
• DashPass, DoorDash's subscription service, offers unlimited deliveries with no delivery fee and reduced service fees on qualified purchases above $12 for a minimum of one year. 12/31/21 is the deadline for activation.
• Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more insurance options are available.

AT a glance-

• A $95 annual charge is required.
• A big welcome package is available: After spending $4,000 on purchases in the first three months after opening your account, you'll get 60,000 bonus points.
• Chase Ultimate Rewards® cardholders get 5 points per dollar spent on travel, 3 points per dollar spent on dining, 2 points per dollar spent on all other travel purchases, and one point per dollar spent on all other eligible purchases. You'll also get 5 points each dollar spent on Lyft rides until March 2022.
• Bonus points of 10% on your 10th anniversary
• 1:1 point transfer to select airline and hotel travel partners including United and Hyatt
• Redeem for cash back or gift cards where points are worth 1 cent each
• No foreign transaction fees
• No introductory APR offers

Contact Details –

• General Customer Service for Chase Business Cards: 800-242-7338
• Online/Mobile Banking Technical Support:
• Inside the U.S. — 877-242-7372
• Outside the U.S. — 713-262-3300
• Customer Service: 800-935-9935
• Request or Reset a PIN: 800-297-4970
• To Report a Lost or Stolen Card, Fraud, or Dispute a Charge: 866-564-2262
• Verify Card: 800-432-3117 or the number listed on the activation sticker

How do I cancel Chase Sapphire Preferred® Card ?

If you're wondering how to close a Chase account over the phone, call the customer support number on the back of your credit card to start the process. Once you've found a customer service agent who can help you, tell them you want to cancel your credit card account. To establish your identification, you'll need to disclose information like your ZIP code, name, and account number when on the phone. You can reach Chase customer support at 1 (800) 432-3117 if you don't want to phone the number on the back of your Chase credit card.

Bank of America Unlimited Cash Rewards Student Credit Card review

The Bank of America® Cash Rewards Credit Card for Students, which earns 3% cash back in an eligible choice category, 2% cash back at grocery stores and wholesale clubs, and an unlimited 1% cash back on all other purchases, is a good choice for students who want to maximise rewards and are willing to put up with a more complicated cash back system. Each quarter, the 3% and 2% categories are limited to the first $2,500 in combined purchases. The card also comes with a generous sign-up bonus and a low introductory APR. Even better, the card has no annual fee, making it an excellent alternative for students who want to earn cash back while still developing good credit habits and history.

Advantages-

• FICO score for Free
• 0% Intro APR offer with a generous term
• Competitive cash back reward rates
• Easy-to-earn welcome bonus

Disadvantages-

• 3% foreign transaction fee
• High penalty APR and late fee
• High to very high standard APR, depending on your credit

Major Highlights-

• After making at least $1,000 in purchases in the first 90 days of your account creation, you will receive a $200 cash rewards bonus.
• 3% cash back in your preferred category: gas, online shopping, restaurants, travel, drug shops, or home improvement-furniture, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases
• Your monetary awards don't have an expiration date. You can alter your 3% preference category online or through our mobile app each month as you prepare for future purchases.
• When you shop online, use the free and simple Shop Safe® service to get a temporary credit card number, keeping your real card number safe and secure

At a Glance-

• No annual fee
• Choose the top-earning 3% cash back category from several categories
• Welcome bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
• 0% introductory APR

Capital One SavorOne Student Cash Rewards Credit Card Review

For college students, the Capital One SavorOne Student Cash Rewards Credit Card is a full-featured rewards card. It has no yearly cost and offers cash back returns on bonus purchases in four everyday categories. While there is no sign-up incentive, the perks more than compensate. This card may be a possibility for you if you attend a 4-year university, community college, or other higher education institution. Get unlimited 3% cash back on eating, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on everything else. Plus, through January 2023, Vivid Seats is offering 8% cash back on tickets. There are no yearly fees, foreign transaction fees, or hidden fees with this account. With appropriate usage of a card like this, you can help build your credit.

At a Glance-

• 3 percent cash back on restaurants, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), plus 1% cash back on everything else. Plus, through January 2023, Vivid Seats is offering 8% cash back on tickets.
• There is no annual charge.
• There are no costs for international transactions.
• Choose your own deadline.
• 26.99 percent is rather high (Variable) if your card is ever lost or stolen, you will have $0 fraud liability.

Rates and fees-

• There are no yearly or foreign transaction fees with this card. The card, however, has a hefty interest rate, with a variable APR of 26.49 percent.
• The balance transfer cost is 3%, and late payment penalties can be as high as $40. A transfer fee will not be charged if you transfer a balance at the transfer APR.
• This card isn't ideal for flexible payment options, so if you need a low-interest line of credit, look for a credit card with a 0% initial APR.

Is it easy to get a student credit card?

It is not difficult to obtain a student credit card. It simply takes a few minutes to fill out an application. You will, however, need to gather paperwork for your application, such as verification of enrollment in classes.

Is cash back preferable to travel benefits?

As a form of credit card incentives, cash back is always a good choice. Flexible travel incentives, such as American Express Membership Rewards or Chase Ultimate Rewards, can be far more valuable, as they can save you thousands of dollars on premium travel.

What credit score do I need for a student credit card?

Fair credit is required for the Capital One Savor Student credit card (650-700). Student credit cards, on the other hand, have different requirements in terms of credit scores. The credit score required to get authorised is usually given by card issuers.

Deserve® EDU Master card for Students

The Deserve® EDU Master card for Students allows students to earn basic cash-back benefits, enjoy a few nice bonuses, and improve their credit without having to pay an annual fee or a deposit. It lacks the strength of a larger bank's student card, but it attempts to be more technologically creative and delivers some of the convenience features that students may find useful. Because it doesn't require a Social Security number or credit history to apply, and it doesn't charge foreign transaction fees, the card could be a good alternative for overseas students.

Advantages-

• No annual fee
• No foreign transaction fees
• Useful benefits like cell phone protection
• Doesn’t require a social security number to apply, allowing international students to qualify

Disadvantages-

• Cash back rewards don’t exceed 1%
• High variable APR

Major highlights-

• After spending $500 in the first three billing cycles with your EDU card on Deserve, you'll get a year of Amazon Prime Student (a lifetime value of $59).
• With your Deserve EDU Master card, you may earn 1% Cash Back on all transactions. You'll automatically start earning cash back on all purchases once you've been accepted.
• Feel safe with up to $600 in cell phone insurance.
• There is no need to make a deposit. There are no annual fees.
• There are no foreign transaction fees on purchases made outside of the United States, so you may travel with confidence.
• International students do not need a Social Security number to apply.
• Refer a Friend Program: Use your unique referral code to refer anyone to Deserve. You and your referral will both receive $30 after clearance, card activation, and use. There are no limits to the amount of money you can earn as a result of your referral
• Through one simple app, you can manage and track your spending, set up automatic payments, and safely freeze your card.
• In minutes, see if you prequalify with no influence on your credit score.
• Celtic Bank, a member of the Federal Deposit Insurance Corporation, issues Deserve MasterCard’s.
• MasterCard Platinum Benefits, such as Master card ID Theft PreventionTM and Master Rental®, are designed to make your life easier.

Details-

Interest Rates

• Regular APR: 18.74% Variable
• Purchase Intro APR: N/A
• Balance Transfer Intro APR: N/A

Fees

• Annual Fee: $0
• Balance Transfer Fee: See Terms
• Foreign Purchase Transaction Fee:

At a Glance-

• No annual fee
• No foreign transaction fees
• Unlimited 1% cash back
• Easier to qualify with limited credit
• Cell phone damage and theft coverage
• High 18.74% Variable APR

U.S. bank altitude connect visa signature card review

The U.S. Bank Altitude Connect Visa Signature Card is a convenient alternative for anyone looking for a straightforward card to earn high rewards on travel. It has a low annual fee and excellent rewards on travel, petrol, and various everyday categories. More sophisticated point and mile collectors, on the other hand, will likely prefer a travel card with transfer partners and the ability to redeem points for more value.

Major Highlights –

• Spend $3,000 on eligible purchases within the first 120 days after account opening to earn 50,000 bonus points. This is a $500 value that may be used for items, gift cards, cash back, travel, and other things.
• Travel and gas stations get you 4X points.
• At grocery stores, food delivery, dining, and streaming services, you can earn 2X points.
• For annual streaming service purchases like Netflix and Spotify®, you'll get a $30 credit.
• Once every four years, receive up to $100 in statement credits against your TSA PreCheck® or Global Entry® application fee.
• All other qualified purchases will earn you 1X points.
• Points are never lost.
• Terms and conditions apply.

Advantages –

• High rewards rate
• Bonus categories
• New cardholder bonus offer
• No foreign transaction fees

Disadvantages –

• Has annual fee
• Can't transfer points

Security Features- –

The card is equipped with industry-standard security features. Contactless payments, the option to lock your card from your phone if it's lost or stolen, and zero-liability fraud protection are all included.

Earning Points & Rewards-

The earning rates of the Altitude Connect card are its strongest suit. Cardholders will receive 5 points for every dollar spent on prepaid hotels and vehicle rentals booked directly through the Altitude Rewards Center; 4 points for travel and petrol stations; 2 points for grocery shops, grocery delivery, restaurants, and streaming services; and 1 point for all other purchases. Other credit cards provide 5 points per dollar on travel booked through the card issuer's travel site (or even all travel booked through the card issuer's travel portal). However, it's one of the greatest for general trip expenditures and gas station purchases.

Other Important Perks of this Card –

The most convenient perk of this card is a $325 travel statement credit that applies automatically to purchases from airlines, hotels, car rentals, taxicabs, limousines, railways, and cruise lines each year. You can obtain up to $100 in statement credits every four years to cover the application price for Global Entry or TSA PreCheck, just like many other cards. You'll get a 12-month Priority Pass Select membership that includes four lounge entry or restaurant credits for you and four for guests. You'll also get 12 free Gogo in-flight Wi-Fi passes when you register your card for this advantage, which are good for 12 months from the date you register. Trip cancellation and interruption coverage, trip delay reimbursement, lost luggage reimbursement, and even emergency evacuation and transportation coverage are among the additional benefits. Finally, you'll save 30% on Silvercar rentals with no limits on location, date, or class.

How to cancel The U.S. Bank Altitude Connect Visa Signature Card?

• Call at Customer care number- 800-285-8585.
• Fax your request to - 866-568-7729.
• Mail your request to Cardmember Service, PO Box 6352 Fargo, ND 58125-6352.

Navy Federal nRewards Secured Credit Card 2021 Review

The Navy FCU nRewards® Secured Credit Card* is a good secured card for folks who are trying to establish or rebuild credit. The card offers fewer fees than usual credit cards, with no annual charge and no foreign transaction or cash advance fees. The nRewards card gets an infinite 1 point for every dollar spent on purchases, making it a good secured card alternative. The card, which is neither on top of nor below the stack, provides a robust protected card choice for customers who travel overseas.

At a Glance-

• No annual fee
• No foreign transaction fees
• No cash advance fees
• Earn 1 point per dollar spent
• Secured card with deposit required
• Membership required

Secured cards, such as the Navy Federal nRewards card, can help folks with no credit or a damaged credit history rebuild their credit and move toward a brighter, higher-credit-score future. Secured cards need a deposit, which banks use as collateral for making loans. The credit limit is determined by the size of the deposit, allowing those with no or bad credit to obtain a loan. Reporting is one of the advantages of a protected card: Consumers can demonstrate a record of responsible credit use by reporting to the three major credit agencies, which card issuers do.

Other Card Benefits-

• Cell Phone Protection: Extra protection for phones when cellular bills are paid with the card.
• Collision Damage Waiver: For short-term car rentals, secondary coverage for damage or theft.
• $0 Fraud Liability: Cardholders aren’t responsible for unauthorized charges.
• FICO Score: Access to credit score on a regular basis.
• 24/7 Access and Fraud Monitoring: Receive alerts and talk to a real person around the clock. Those who use the Navy Federal nRewards card to develop credit history will receive additional rewards. The nRewards offers no international transaction or cash advance fees, unlike many unsecured cards intended for people with little to no credit history. It also has a rewards programme, with 1 point earned for every $1 spent. You may use your points to get items, gift cards, or cash back. A $200 deposit is required for the nRewards card. Cardholders of the nRewards card might be evaluated for credit over the deposit amount after only three months. Regular re-evaluations begin after six months, allowing people who qualify as responsible enough to upgrade to cash Rewards unsecured card.

Advantages of Navy Federal nRewards Secured Credit Card 2021-

• No annual fee
• No foreign transaction fees
• Earn 1 point per dollar spent
• No cash advance fees

Disadvantages of Navy Federal nRewards Secured Credit Card 2021-

• Navy Federal requires membership, which means you need to have at least a grandparent or grandkid that’s a veteran or active military member
• As a secured card, the account requires a deposit

Customer Care Number –

Please call at phone number 1-888-842-6328 if you require any kind of the guide.

Tomo Credit Card 2021 Review

The Tomo Credit Card offers a new strategy to improve your credit if you have terrible credit or no credit history. Unlike a traditional credit card, which charges interest on all outstanding amounts, Tomo requires weekly payments using an auto pay mechanism, which prevents any outstanding balance from being carried on the card. And you won't need a credit history to get approved; instead, your application will be evaluated based on your banking information, income, and other details. It's a convenient card that can help you develop credit if you're just getting started, but you'll want to make sure you practise appropriate credit-building behaviours that you can utilise to keep your credit and credit card usage in good standing in the future.

Tomo Credit Card 2021 at a glance -

• Tomo examines your financial history utilising information in your application instead than conducting a credit check.
• On all purchases, you'll get 1% cash back.
• A credit limit of $100 to $10,000 is available (also based on your financial information)
• There is no APR; instead, you must enrol in a weekly auto pay schedule to avoid holding a debt.
• Your account will be immediately frozen if you do not have the funds to pay balance.
• Payments to the three credit bureaus have been reported.
• There are no charges.

Advantages –

• 1% cash back on all purchases
• No annual fee
• 0% APR and no ability to carry a balance
• No credit history required for eligibility

Disadvantages:

• Potential for waitlist
• No option to carry a balance may limit your purchasing power
• Linking issues with certain banks

Highlights-

• Up to $10,000 credit limit
• No interest charges
• No annual fee
• Earn unlimited 1% cash back on all eligible purchases
• Expedited auto pay including weekly, bi-weekly, and monthly payments
• Non-U.S. citizens are eligible to apply
• No security deposit
• No credit check or credit history required
• Reports to all 3 major credit bureaus

Other Card Benefits-

• Zero Liability Protection: As a MasterCard cardholder, you are not liable if someone uses your card to make illicit purchases.
• Get emergency assistance in any language with MasterCard Global Service. It also assists you in reporting a lost or stolen card, requesting an emergency card replacement or cash advance, locating an ATM, and addressing account-related queries.
• Master card ID Theft Protection: Activate your card by entering your card number, and you'll receive alerts and resolution services if suspicious activity is discovered.

Contact Details of the Tomo Credit Card-

Email- help@tomocredit.com,

Location:
TomoCredit Inc
535 Mission Street, Floor 14
San Francisco, CA 94105

Bajaj finserv EMI card review

The Bajaj Finserv EMI Network Card is a digital card that lets you convert the cost of your purchases into manageable EMIs at no extra cost. Your EMI Network Card can be used to purchase electronics, appliances, furniture, gym memberships, flight and hotel reservations, and more. All of your purchases can be converted into EMIs with the Bajaj Finserv EMI Network Card. It has a pre-approved credit ceiling of up to Rs. 4 lakh. You can use it to shop for a variety of things both online and offline, including home appliances, gadgets, electronics, furniture, clothing, and even groceries.

Features:

• Pre-approved Loan: The card comes with a Rs. 4 lakh pre-approved loan that can be accessed at any of Bajaj Finserv's 60,000+ partner outlets in over 1,300 cities.
• E-commerce Friendly: You can use the card online at major e-commerce platforms in addition to in-store purchases.
• Flexible Repayment Period: You have the option of repaying the loan over a period ranging from three months to two years.
• Simple Documentation: It includes one-time documentation, which requires you to provide only the most basic documents in order to acquire any goods on EMI. At the time of purchase, existing EMI Network Card holders do not need to submit any documents.
• E-Wallet: You can use the Bajaj Finserv EMI Network card with the Bajaj Finserv Wallet app. As a result, you won't need to take your card around with you because you may use the smart phone app to make in-store payments.

What are the benefits of Bajaj Finserv EMI card?

The Bajaj Finserv EMI Network Card is a digital card that lets you convert the cost of your purchases into manageable EMIs at no extra cost. Your EMI Network Card can be used to purchase electronics, appliances, furniture, gym memberships, flight and hotel reservations, and more.

Bajaj Finserv EMI Network Card Interest Rate-

When you use the Bajaj Finserv EMI Network Card to buy specific products from partner stores, you can get “No Cost EMI,” which means you won't have to pay any interest. For example, if you buy a product costing Rs. 1 lakh on No Cost EMI for a year, you will only have to pay a monthly instalment of Rs. 8,333 for the entire year and there will be no interest costs. Smart phones, laptops, refrigerators, televisions, washing machines, and air conditioners are some of the typical devices that can be purchased on “No Cost EMI” with the Bajaj Finserv EMI Network card.

Eligibility Criteria:

• You must be at least 21 years old and no older than 60 years old.
• You should be able to rely on a steady source of income.

Documents Required:

• Bajaj Finserv EMI Network Card Application Form,
• One cancelled cheque,
• Duly signed EMI mandate,
• KYC documents, including a valid photo ID proof, PAN card and address proof.

How to Apply for Bajaj Finserv EMI Network Card?

For Online:

Step 1: Visit the Bajaj Finserv Experia portal

Step 2: Enter your customer ID/ email ID/ mobile number and OTP/ password to log into the portal.

Step 3: View the EMI offer details.

Step 4: Click on “Apply for the EMI Network Card”.

For Offline:

Step 1: Visit any of the Bajaj Finserv EMI Network partner stores

Step 2: Select the product that you want to buy.

Step 3: Request the store representative to activate the option of in-store financing.

Step 4: CFill out the Bajaj Finserv in-store financing application form and submit the required documents to set up your Bajaj Finserv EMI Network Card.

Bajaj Finserv Customer Care-

• By phone: You can reach at 0869-801-0101 with any questions.
• E-mail: You can also send an e-mail to Bajaj Finserv by clicking the following link: WhatsApp: You can sign up for Bajaj Finserv's WhatsApp service to receive notifications on your phone. To sign up, make a missed call from your registered cell phone number to 8506889977.
• Missed call service: You can get fast details about your previous three transactions with Bajaj Finserv by dialling +91 98108 52222 from your registered mobile number.
• Virtual Assistant BLU: To acquire answers to frequent questions, you can use the Bajaj Finserv chat bot BLU.

Cancelation of Bajaj finserv EMI card :

Step 1: Visit the online EMI store and select your city.

Step 2:  Select the product you want to buy.

Step 3: Login to the Experia portal and select an appropriate EMI option to buy the product.

Step 4: The product will be delivered to your registered address within 24 hours.