Credit Card Category
Founded in 1997, Merrick Bank is FDIC insured and recognized as a top-20 issuer of VISA cards. In total, it serves nearly 3 million cardholders. It offers credit cards to help consumers with poor credit to build credit history and to receive FICO credit scores for free.
If you have trouble getting approved for loans or credit cards, you need to start with a credit card for people with bad or limited credit to build credit and grow your credit scores. Some of the cards are secured credit cards for subprime users. Some of the cards are unsecured cards for people with limited or average credit ratings.
Founded in 2001 and headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank has ranked as one of the top ten SBA lenders nationally since 2013. Celtic Bank has a proven track record in a range of industries. Celtic Bank offers a number of credit cards for consumers to earn cash back or build credit history.
Bank of America is one of the world's leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, credit cards, and other financial products and services. Bank of America provides unmatched convenience in the United States, serving millions of consumer and small business clients with thousands of retail financial centers and ATMs. Bank of America credit cards offer perks such as $500 bonus, 3% cash back, travel rewards, 0% on balance transfers, business rewards.
Wells Fargo is an American multinational financial services company headquartered in California, with offices throughout the United States. It is one of the world's largest banks by market capitalization and by total assets. Wells Fargo offers a portfolio of credit cards, including a cash back credit card which rewards you unlimited 1.5% cash back on all net purchases, a rewards card with $300 bonus and 3% rewards on many purchases, and a balance transfer credit card that let you enjoy 0% introductory interest on purchases and balance transfers.
Business credit cards let small businesses earn rewards on business purchases and manage expenses properly. They allow business owners to separate business expenses from personal expenses, give employee cards, and receive exclusive access to events that are ideal for entertaining clients or treating staff, etc. Many small business credit cards come with perks such as 0% interest on purchases and balance transfers, customized business credit lines, cash back or travel rewards for spending at gas stations, restaurants, office supply stores. Compared with personal cards, business credit cards tend to have higher credit limits. And business credit cards may offer better rewards on purchases of office supplies, gas, etc. You may apply for business credit cards as a sole proprietor if you haven't registered an LLC or corporation.
Capital One issues credit cards in the United States, Canada, and the United Kingdom and is one of the largest credit card issuers. It offers a wide variety of credit cards that are designed for people from all walks of life. Its credit card portfolio include credit cards for people with good or excellent credit, which usually come with bonus and cash back, entry-level credit cards for people with limited or average credit, which help them build credit history, secured credit cards for people with no credit or sub-prime credit, and business credit cards for small business owners.
Self Lender provides credit monitoring services and credit-building loans regardless of your credit score. It can be used as an ideal tool for people with bad or damaged credit ratings to improve their credit scores. Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account). No hard credit pull and no credit history required. Self Lender reports to all 3 credit bureaus.
Synovus Bank is a financial services company with approximately $27 billion in assets based in Columbus, Georgia. It provides commercial and retail banking, investment, and mortgage services to customers through 280 offices, and more than 400 ATMs in Georgia, Alabama, South Carolina, Florida, and Tennessee. Synovus Bank offers secured credit cards to help people with poor or bad credit history to repair credit rating and improve credit scores.
If you have fallen hard financially, you may have damaged your credit score. You can apply for the subprime credit cards that are designed for people with bad credit to rebuild your credit history. Or you may start with the secured credit cards that report your responsible payment records to the three major credit bureaus - Equifax, Experian and TransUnion. As long as you pay off your credit-card balance on time each month, your credit rating will improve.