Fair Credit (Inova) | CreditCards.com

Credit One Bank® Platinum Visa®

Our rating:2.7

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Recommended credit

580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

1%: Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.

Annual fee: $39

Balance transfer intro APR: N/A

Regular APR: 29.74% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.7

Rating methodology

Cost of Membership: 3.4
Ease of Building Credit: 3.2
APR: 1.2
Features: 0.0

Highlights

Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Enjoy peace of mind with $0 Fraud Liability.
Free Online Credit Score and Credit Report summary, terms apply
Make paying your bill easier with the ability to choose your payment due date, terms apply.
Access your account on-the-go with the Credit One Bank mobile app.
Never miss an account update with customizable text and email alerts.
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Rates & Fees

Annual Fee: $39
Intro Purchase APR: N/A
Regular APR: 29.74% Variable
Intro Balance Transfers APR: N/A

Upgrade Cash Rewards Elite Visa®

Our rating:4.3

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2.2%: Earn 2.2% unlimited cash back on card purchases every time you make a payment

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 14.99% - 29.99%

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards value: 4.0
APR: 2.0
Rewards Flexibility: 2.7
Features: 2.0

Highlights

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability
Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 14.99% - 29.99%
Intro Balance Transfers APR: N/A

Chime Credit Builder Secured Visa® Credit Card

Our rating:4.2

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: None

Balance transfer intro APR: N/A

Regular APR: N/A

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 5.0
APR: 1.0
Features: 2.5

Highlights

To apply for a Chime Credit Builder Secured Visa® Credit Card, you must first open a Chime Checking Account and receive a qualifying direct deposit of $200 or more.
The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required**). Turn on Safer Credit Building** and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.
**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Rates & Fees

Annual Fee: None
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Capital One Platinum Credit Card

Our rating:4.0

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 29.99% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.0

Rating methodology

Cost of Membership: 3.8
Ease of Building Credit: 4.0
APR: 1.0
Features: 2.5

Highlights

No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 29.99% (Variable)
Intro Balance Transfers APR: N/A

Credit One Bank® Platinum Visa®

Rewards rate

At A Glance

Upgrade Cash Rewards Elite Visa®

Rewards rate

At A Glance

Chime Credit Builder Secured Visa® Credit Card

Rewards rate

At A Glance

Capital One Platinum Credit Card

Rewards rate

At A Glance