Best credit card offers and benefits

First Progress Platinum Select MasterCard® Secured Credit Card
Rates Fees
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee
N/A 14.99% (Variable) see terms see terms see terms $39
Horizon Gold credit card
apply for a credit card
  • Get Approved Fast – Just Click Below to Start the Process!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program – though not yet available in NY, IA, AR, or WI

*See Card Terms & Conditions

USAA Rewards™ American Express® Card
Rates Fees
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee
N/A 9.90% – 25.90% 9.90% – 25.90% 3% up to $35 $0
USAA Rewards™ American Express® Cardapply for a credit card
  • Earn 2X points on gas and grocery purchases all the time.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Earn 2,500 Bonus Points after your first purchase.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA’s website or from your mobile device – with no redemption fee.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.

USAA Rewards Visa® Card
Rates Fees
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee
N/A 9.90% – 25.90% 9.90% – 25.90% 3% up to $35 $0
USAA Rewards Visa® Cardapply for a credit card
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA’s website or from your mobile device – with no redemption fee.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.

About Credit Cards

The major advantage to each consumer is convenience. Compared to debit cards and checks, a credit card allows small short-term loans to be rapidly made to a customer who require not compute a balance continuing to be before every deal, offered the total costs do not go beyond the optimum line of credit for the card.

Many credit cards provide advantages and rewards plans, such as enhanced product guarantees at no cost, complimentary loss/damage coverage on new purchases, various insurance policy defenses (for example, rental car insurance, common carrier accident defense, and travel medical insurance). Credit card can likewise offer reward points which could be redeemed for money, goods, or airline tickets. Study has examined whether competition amongst card networks may potentially pay benefits too generous, causing higher prices amongst business, hence in fact wearing away social well-being and its distribution, a circumstance possibly calling for public policy interventions.

Low initial charge card rates are restricted to a set term, usually in between 6 and 12 months, after which a greater rate is charged. As all credit cards charge costs and interest, some customers become so indebted to their credit card company that they are driven to bankruptcy. Some credit cards frequently levy a rate of 20 to 30 percent after a repayment is missed out on. In other cases a fixed charge is levied without change to the rate of interest. In some cases universal default may use: the high default rate is put on a card in excellent credit by missing a repayment on an unassociated account from the exact same company. This can lead to a snowball impact where the customer is drowned by unexpectedly high rate of interest. Further, most card owner arrangements make it possible for the issuer to arbitrarily raise the interest rate for any reason they see fit. First Premier Bank at one point provided a charge card with a 79.9 % interest rate, nevertheless they stopped this card February 2011 because of relentless defaults.

The method credit card owners settle their balances has a tremendous impact on their credit history. 2 of the most vital aspects reported to a credit bureau are the timeliness of the financial obligation payments and the quantity of debt to credit limitation. Lenders desire to see payments made as agreed, usually on a monthly basis, and a credit balance of around one-third the credit limit. The credit info remains on the credit report generally for 7 years. Nevertheless, there are a few jurisdictions and scenarios where the time frame might vary.

Many credit cards consumers get benefits, such as frequent flyer points, gift certificates, or money back as an incentive to make use of the card. Rewards are generally tied to buying a product or service on the card, which might or may not consist of balance transfers, cash loan, or other unique uses. Depending upon the type of card, incentives will normally cost the issuer between 0.25 % and 2.0 % of the spread. Networks such as Visa or MasterCard have increased their costs to allow companies to money their rewards system. Some companies inhibit redemption by forcing the cardholder to call consumer service for incentives. On their servicing website, redeeming honors is normally a function that is effectively hidden by the companies. With a fractured and competitive environment, rewards points cut considerably into a company’s bottom line, and rewards points and related incentives must be very carefully handled to ensure a successful profile. Unlike unused present cards, in whose case the damage in certain US states goes to the state’s treasury, unredeemed credit card rewards are kept by the issuer.