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%: Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, 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

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Free Online Credit Score and Credit Report summary, terms apply
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app

Rates & Fees

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

Upgrade Elite Cash Rewards 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%: 2.2% unlimited cash back on every purchase

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 Preferred account and making 3 debit card transactions*
2.2% unlimited cash back on every purchase
Pay no interest when you pay your full balance early**
See if you qualify in seconds with no impact to your credit score
No annual fee
Combine the flexibility of a card with the predictability of a loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection and more
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
State Exclusions: DC, GA, IA, MA, WV, WI
Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
**By paying oﬀ your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
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Rates & Fees

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

Chime 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

1.5%: Earn 1.5% cash back² on rotating categories with Chime+ status.³

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

A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
Credit building, stress-free.¹
Earn 1.5% cash back² on rotating categories with Chime+ status.³
SpotMe® on Credit.⁴
No interest⁵, no credit check.
Over 47,000 fee-free ATMs.⁶
Fee-free in-network cash deposits.⁷
¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
²With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
³To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.. and may be used everywhere Visa credit cards are accepted.

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: 28.99% 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.

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
Top rated mobile app

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 28.99% (Variable)
Intro Balance Transfers APR: N/A

Credit One Bank® Platinum Visa®

Rewards rate

At A Glance

Upgrade Elite Cash Rewards Visa®

Rewards rate

At A Glance

Chime Card™

Rewards rate

At A Glance

Capital One Platinum Credit Card

Rewards rate

At A Glance