how to get a credit card fast with no credit

First PREMIER Bank is a community bank based in Sioux Falls, South Dakota, that offers a variety of personal, business and ag banking products and services. Get the credit you need with no annual fee. Earn unlimited 1.5% cash back on every purchase, every day. Earn 1.5% cash back on every purchase with a refundable. The process of applying for a Citizens credit card can be quick and easy if you know Having no annual fees might not be worth it if the card has a high.

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A guide to credit cards that help build your credit

The road to good credit is long and sometimes winding. Think of your credit card as the GPS that gets you there.


Comparing the best credit cards for people with no credit

Credit CardBest ForRewards RateSecurity DepositCreditcards.com Review
Discover it® Student Cash BackCash back5% cash back on rotating categories (up to $1500 per quarter, 1% thereafter, activation required)$04.1 / 5
Capital One Platinum Credit CardNo annual feeNo Rewards$04.0 / 5
Self – Credit Builder Account + Secured Visa® Credit CardLow APRNo RewardsOne-time $9 – $15 account fee (Varies by product)2.5 / 5
Citi® Secured Mastercard®Building CreditNone$200 – $2,5003.1 / 5
Capital One Platinum Secured Credit CardCredit line growthNo Rewards$49 – $2003.7 / 5
Discover it® Student chromeStudents2% cash back at gas stations and restaurants (on up to $1,000 in purchases per quarter, 1% thereafter), 1% cash back on general purchases$04.1 / 5
Capital One QuicksilverOne Cash Rewards Credit CardFlat-rate rewards1.5% cash back on every purchase$03.9 / 5
Chase Freedom® Student credit cardSign-up bonus1% cash back on all purchases; additional 4% cash back on Lyft rides (through March 2022)$03.5 / 5
Discover it Secured® Credit CardPeople with no credit history2% cash back at gas stations and restaurants and 1% cash back on other purchases Match all of your cash back in your first year $200 – $2,5004.1 / 5

best credit cards for no credit

Editor’s picks: The best credit cards for people with no credit

Discover it® Student Cash Back: Best cash back card for people with no credit

Why we picked it: The ongoing interest rate is 12.99%-21.99% variable, which is competitive for a card that caters to students and those with limited credit history.

Pros: Even if you’re just learning the ropes of credit, you don’t have to wait to start earning rewards. Cardholders earn 5% cash back on rotating quarterly bonus categories, up to $1,500 per quarter, then 1% (activation required). Plus, Discover will match all of the cash back you’ve earned at the end of your first year. With no annual fee and plenty of perks, this is an excellent choice for a starter credit card.

Cons: Some new cardholders might be overwhelmed by bonus categories that change each quarter. If that’s the case, a flat-rate card is likely a better choice.

Who should apply? Students eager to rack up rewards will find this to be a great first-card so long as they’re comfortable keeping up with rotating bonus categories.

Read our Discover it® Student Cash Back review

Capital One Platinum Credit Card: Best no-annual-fee card for people with no credit

Why we picked it: This credit-builder card is top-notch – in addition to no hidden fees (you’ll often see hidden fees with these kinds of cards), there’s also no annual fee.

Pros: With the Capital One Platinum, you can pay by check, online or at a local branch without paying a fee. Also, you can pick your monthly due date.

Cons: Unfortunately, this card has no sign-up bonus or ongoing rewards, making it a tough choice if you are looking for a multi-purpose card for the long haul.

Who should apply? If your main objective is to build credit while keeping costs to a minimum, this pared-down no-annual-fee card checks off all the boxes.

Read our Capital One Platinum Credit Card review

Self – Credit Builder Account + Secured Visa® Credit Card: Best low APR card for people with no credit

Why we picked it: This hybrid financial product, which starts off as a credit-builder loan and could transition into a secured credit card (with at least three monthly payments on time, $100 or more in savings in your credit-builder account, and an account in good standing), touts a low APR (variable 15.92%) for the no credit category.

Pros: You can avoid having to put down the upfront security deposit required of most traditional secured credit cards, as you’ll be making three monthly installments payments instead.

Cons: You’ll pay a one-time account fee of $9 to $15, which varies by the product. Plus, you’ll have to wait at least three months to have access to your secured credit card.

Who should apply? Thanks to its relatively low APR, this non-traditional credit-building loan/secured card could be a good fit for someone who may carry a balance.

Read our Self – Credit Builder Account + Secured Visa® Credit Card review

Citi® Secured Mastercard®: Best credit-building card for people with no credit

Why we picked it: Your security deposit is refundable if you upgrade to an unsecured card within the first 18 months.

Pros: There’s no annual fee and you can choose your credit limit based on what you can afford to provide as a security deposit. You can put down as little as $200 to start and earn your deposit back by demonstrating the right habits.

Cons: This card offers no rewards. If that’s important to you, there are secured cards that do offer rewards programs.

Who should apply? For someone rebuilding their credit, this card charges no annual fee and offers the opportunity to graduate to an unsecured card after 18 months of responsible use.

Read our Citi® Secured Mastercard® review

Capital One Platinum Secured Credit Card: Best credit line growth for people with no credit

Why we picked it: With the Capital One Platinum Secured Credit Card, you have the opportunity to raise your credit limit after your first 6 months of on-time payments and responsible use, which is a solid feature for a credit-builder card.

Pros: As a Mastercard, this product is widely accepted worldwide, making it extraordinarily convenient when traveling.

Cons: There’s no sign-up bonus, no ongoing rewards, and the regular APR is a super high 26.99% (Variable), making it a poor option for carrying a balance.

Who should apply? If you can avoid carrying a balance month-to-month, this card makes for a strong starter card with the possibility of a higher credit line down the road.

Read our Capital One Platinum Secured Credit Card review

Discover it® Student chrome: Best student credit card for people with no credit

Why we picked it: The Discover it Student chrome has no annual fee and no foreign transaction fees as well as no categories to activate each quarter.

Pros: The ongoing rewards on this card are excellent, with 2% back at gas stations and restaurants up to $1,000 a quarter on combined spending (then 1% thereafter), as well as Discover matching all the cash back you earn at the end of your first year.

Cons: The regular APR is 12.99% - 21.99% Variable, which makes it not the best choice for carrying a balance, although you can get a 0% for 6 months intro APR on purchases.

Who should apply? This card is an excellent choice for college students looking to earn rewards while building good credit.

Read our Discover it® Student chrome review

Capital One QuicksilverOne Cash Rewards Credit Card: Best flat-rate rewards card for people with no credit

Why we picked it: The QuicksilverOne immediately delivers you 1.5% cash back for every purchase, every day, making it competitive with other cash back cards, such as the Capital One Quicksilver Cash Rewards Credit Card.

Pros: Because this card’s cash back rate is flat, there is no required quarterly signup or maximum allowed spend. Also, your cash back doesn’t expire for the life of the card.

Cons: This card doesn’t have a sign-up bonus, unlike the Quicksilver. Also, there’s an annual fee of $39, which isn’t waived the first year, and the regular APR is incredibly high at 26.99% (Variable).

Who should apply? This card is a solid choice for those with less than perfect credit who hope to earn rewards while rebuilding their score.

Read our Capital One QuicksilverOne Cash Rewards Credit Card review

Chase Freedom® Student credit card: Best sign-up bonus for people with no credit

Why we picked it: This student credit card from Chase offers new cardholders a $50 bonus after they make their first purchase within the first 3 months from account opening.

Pros: The card features a good base rewards program: Cardholders receive 1% cash back on all purchases and an additional 4% cash back on Lyft rides (through March 2022). They also receive a $20 bonus (or 2,000 points) each account anniversary that their account is still open and in good standing (meaning they’re making minimum payments on time) for up to the first 5 years of card ownership.

Cons: This card is designed for student credit cardholders, so if you’re outside that demographic, you might want to consider other credit cards for no credit. (Learn more about the best student credit cards.)

Who should apply? With a decent sign up bonus and solid rewards rate, this is a good fit for students who want to build up their credit. For more credit cards tailored to college students or recent graduates with a short or no credit history, see our student credit cards.

Read our Chase Freedom® Student credit card review

Discover it® Secured Credit Card: Best credit card for people with no credit

Why we picked it: While negative items like a pending bankruptcy may decrease your approval odds for this card, having no credit history will not. Cardholders get 2% cash back at gas stations and at restaurants (up to $1,000 in combined purchases per quarter, then 1%).

Pros: The credit limit ranges from $200 to $2,500 depending on what you’re comfortable putting down. Accounts are reviewed for credit line increases after eight months. Accounts are reviewed for credit line increases after eight months and Discover’s first year Cashback Match is another added bonus.

Cons: The APR is high, at 22.99% variable, so carrying a balance is going to cost you more than the average card.

Who should apply? With its valuable rewards and high credit line (based on your deposit), plus the opportunity for a credit line increase, this is one of the better secured cards for someone rebuilding their credit.

Read our Discover it® Secured Credit Card review

How can I get a credit card if I have no credit history?

There are cards designed for people who are new to credit. Sometimes, their issuers want you to have a checking account, and they may require a refundable deposit of at least $200. Here is what you need to know about getting a card when you don’t have a credit history.

  1. Check your credit. You’ll want to know exactly where you stand and track your progress as you start to build credit. You can pull your credit reports for free at least once a year via AnnualCreditReport.com and you can get a credit score for free or for a nominal fee through various websites. Learn how to get your credit score.
  2. Look into a credit-builder loan. Check with your local financial institution about these small loans, which are designed primarily to help you build your credit. A local credit union is an excellent choice. You will likely need to open a checking or savings account with the institution.
  3. Consider a secured card. The fastest and easiest way to build credit is with a credit card, and a relatively easy card to land is a secured card. That’s because you put down a refundable deposit that is used to secure your credit limit. Just make sure the card issuer is going to send your credit habits to the credit bureaus.
  4. Research, then apply for one card. With your score handy, look at cards you are likely to get, checking annual fees and any other charges that might be incurred.
  5. See about being an authorized user. If you don’t think you will be able to get your own card or you want to take baby steps, see if you can become an authorized user on a responsible consumer’s card. Just make sure they pay on time and in full each month because their good credit habits will go on your file. Not all card issuers report authorized users’ information to the credit bureaus, so check. In a few months, you will be able to apply for your own card.

How to build your credit with no or little credit

Building credit can take some time, but there are steps you can take to jumpstart the process. Here are just a few of them.

  1. Pay your bills on time. You want to establish a responsible payment history, the biggest factor among the major credit scoring models. Even delinquent utility bills or rent payments can hurt your credit if the accounts wind up in collections.
  2. Get a credit card that you can use responsibly. This is the fastest way to build credit, given there are credit cards designed for applicants with no credit history and the barrier for approval can be low.
  3. Use your credit card. By making a small charge on your card each month, you keep your account active. Note: You don’t have to carry a balance to build credit; you can simply pay this charge off in full each month.
  4. Pay your card in full. If you pay your card in full each month, you avoid paying interest charges and you build your credit that much faster. That’s because your available credit by your balance is factored into your score. If your available credit is $1,000 and your balance is $100, then your credit utilization ratio is 10%. The lower your credit utilization rate, the better.
  5. Don’t be tempted to take out more credit. Think strategically – don’t apply for loans or credit cards without a plan, because applications can affect your credit. However, there are some times when taking out credit is a good idea. For example, by taking out a credit-builder loan or some other type of installment loan, such as a car loan, you give your credit a little boost.

Learn how to build credit.

Pros and cons of credit cards for people with no credit history

Pros of credit cards for people with no credit history

  • Grow your score. Most cards designed for those with limited or no credit history come with perks built to help increase your credit score. Be sure that your card reports payment habits to the three major credit bureaus, a must-have benefit found with the majority of cards here.
  • Control when you spend. With several of the cards here, you can work with your provider to negotiate a payment schedule that works for you. Setting your calendar to work smoothly around when you get paid and when your bills are due can be a flexible solution for some hectic schedules.
  • Establish good habits. Because these cards are a fresh slate for so many cardholders, you have the opportunity to start on a high note. If you’re an exemplary cardholder and commit to a routine of good habits while keeping the demerits away, your score could grow expeditiously.

Cons of credit cards for people with no credit history

  • Lack of extras. With cards for those with no credit, it shouldn’t come as a surprise that you won’t get all the fancy frills featured with top cards. Although you can find solid cash back rewards here, you might have to wait until you reach good credit to take advantage of worthwhile sign-up bonuses, welcome offers and other juicy incentives.
  • Penalizing mistakes. By accepting applicants with low credit scores, card providers are taking on more risk with lesser-proven cardholders. To combat that risk, they often will charge you an extraordinarily high APR if you carry a balance or tack on hidden fees when you slip up.
  • Limited spending. Many starter cards will give short credit limits when beginning your journey, leaving some cardholders with little flexibility in their monthly spending. If you’re expecting to use your card for larger purchases or to run up an expensive how to get a credit card fast with no credit, explore your options to see where you can get the most buying power.

How to choose a credit card with no credit history

Who should get a card for no credit history

  • The new cardholder. A little self-explanatory, but if you’re new to the credit card world, a card for those with no credit history can be a great place to get started. With minimal risk for approval hurdles, you can begin setting the trend of good habits to grow your score and can get acclimated to what it’s like to carry a credit card.
  • The student saver. College students and other young adults have lots to take advantage of with cards for no credit history. Some cards here come with cash back rates on student-focused purchases and other useful perks to help young credit-builders get started.
  • The rebuilding cardholder. If you’ve suffered from debt, bankruptcy or anything else that may crush your credit score, one of the choices here may be your saving grace. Although the cards here are designed for no credit history, some will allow for experienced cardholders with poor scores who are trying to climb back.

Who should skip a card for no credit history

  • The debt conqueror. If you’re looking to tackle a debt problem, a credit card could be a great place to start. Although many options here are built to help those with outstanding balances and other sticky situations, you’ll need a balance transfer credit card if you really want to manage your debt problem.
  • The rewards hunter. Some of the choices here have wonderful rewards for a card requiring no credit history, but someone looking for uncapped cash back, enticing travel offers and other valuable rewards should look elsewhere. If the top rewards cards aren’t in your credit range, a card here could be a great tool to grow your score along the way.
  • The on-their-way cardholder. If you’re someone who has experience as a cardholder but not too much success when it comes to growing your score, don’t be discouraged. There are cards for fair credit and other options on how to get a credit card fast with no credit market that can help as you continue to improve your credit history.

How to make the most of your credit card

When you’re starting out and building up your credit, your goal should be to match or exceed the 690 credit score target required to establish good credit. Here are a few tips to help you get there:

  • Develop healthy payment habits. When trying to build your credit, you should aim to pay off your balance on time and in full every month to avoid interest, or at least pay more than the minimum. Plus, you should plan to use less than 30% of your available credit limit at all times.
  • Keep your account open and active. Responsible credit card use over time is a component that the credit bureaus take into consideration. Demonstrating a responsible credit history can go a long way towards boosting your score over time.
  • Be meticulous. You can utilize credit monitoring tools offered by your issuer, bank or third-party sources to keep track of your score and check for any mistakes. If you do encounter any mistakes, you can dispute them and keep your credit score on track.
  • Evaluate your options. When initially searching for a credit card, you’ll want to consider if there is a path to a better credit card with the same issuer. After establishing a good credit history you may be able to upgrade to a better card with a higher credit limit and rewards rate while maintaining your line of credit.

If you’ve made up your mind to get your first credit card in 2021, you’ve come to the right place. However, with hundreds of credit cards in the market, it can be overwhelming to decide which card you should get first. We can help with that. For example, you’ll need to look at which type of card you want (or can get); whether there are fees; and what rewards are offered. We’ll walk you through the different types of cards and what you should pay attention to.

  • Credit reporting. Does the card issuer report to the credit bureaus? This is a deal-breaker because if the issuer doesn’t report to the bureaus, you won’t be able to improve your credit with the card.
  • Fees. Are you clear about the fees? Look at not only the better-known fees in the “Schumer Box,” such as late and returned payment fees, but also fees lower in the text, including “billing statement copy fee” and “expedited telephone payment fee.” Make sure you won’t be nickel-and-dimed with your new card.
  • Types of cards
    • Secured. This card requires a refundable deposit, typically starting at $200. This is a good card for someone with bad credit or no credit.
    • Unsecured. Most cards are unsecured, which means there is no required deposit. There are some unsecured cards available for consumers just starting out.
    • Student. These cards are usually geared toward students or recent graduates with benefits designed to promote responsible use.
    • Rewards. The ultimate goal for many is to work toward a rewards card, which typically requires good or excellent credit, but some beginner cards include rewards.
    • Gas. Gas cards typically require lower credit and, sometimes, loyalty to specific brands. Some are co-branded, which means they are aligned with a card network, such as Visa or Mastercard, which allows you to use the card anywhere the network is accepted.
  • Qualification requirements. Check that you have a high likelihood of landing the card before applying, because every time you apply for a card, it impacts your credit score by about 5 points. Using tools like our CardMatch feature can help sort it out beforehand.
  • Annual fee. While this isn’t necessarily a deal-breaker, you’ll want to pay attention to make sure it’s something you can afford and that it’s worth your while.
  • Interest rate. While it’s usually a bad idea to carry a balance on your credit card, because you’ll pay interest charges if you do, you’ll want to pay attention to the APR, just in case.

People with no credit may not be able to qualify for a top-tier product right away, but, after they demonstrate responsible use, they can look into an upgrade.

“You’ll start building a positive credit history within a month of signing up for your first credit card, as long as you pay the bill on time,” says Ted Rossman, industry analyst at CreditCards.com. “You should also try to maintain a utilization ratio (credit used divided by credit available) below 30%. After about six months, you should be able to upgrade from a secured card or another type of starter card to a card with even better terms and more lucrative rewards.”

Why establishing a credit history matters

Unless you live on a plot of land you own free and clear in a tiny house powered by propane, your credit matters.

That’s because the list of people who care about your credit score goes beyond just credit card issuers and lenders. Employers, landlords, even utility companies make decisions based on how you handle credit.

Here are some primary ways credit can affect your world:

  • Insurance. Your insurance company looks at your credit when deciding how much your premiums should be.
  • Credit card. When you are on the hunt for a credit card, your first stop needs to be a card that will likely accept your credit score – anything above will only set you up for rejection.
  • Mortgage or car loan. Perhaps the best-known reason for why credit matters, lenders look at your credit to decide which product, if any, to grant you, as well as product terms. That means the higher your score, the better the terms, usually.
  • Job. While potential employers can’t check your credit without your approval, companies are increasingly studying job applicants’ credit history before making a final decision.
  • Apartment. Landlords are increasingly looking at potential renters’ credit when making a decision on which renter to accept.
  • Utility and cellphone accounts. Utility and cellphone companies check your credit before making a call on whether to require a down payment and in some cases, even whether to accept you as a customer.

How old do you have to be to get a credit card?

You can apply for a credit card once you turn 18, but you will need proof of income or a willing co-signer in order to get approved. Issuer requirements get a little less stringent once you turn 21, though they will still consider your income and credit history during the application process. Evaluating the following can help you when trying to get a credit card as a young adult:

  • Do you have credit files? The first thing you should do when you turn 18 is to check your credit files with the 3 major credit bureaus, TransUnion, Experian and Equifax. You want to make sure that a) you even have a file and b) that the file is accurate. Have the bureaus correct any incomplete or inaccurate information. You shouldn’t have a file if you don’t have any credit accounts.
  • Do you have income? If you are under 21, you are required by the Credit CARD Act of 2009 to have your own income if you want a credit card of your own.
  • Could you be an authorized user? If you don’t have your own income or your credit file is too thin (not enough credit information), look into being an authorized user on a responsible consumer’s credit card account. You are not legally responsible for the bill, but you benefit from their good credit habits. Also, unlike co-signing, it’s easy to be taken off an account as an authorized user. A couple of things to know about being an authorized user:
    • Make sure the holder of the account pays on time and in full every month.
    • Keep track of your credit reports and scores to make sure they are on track.
    • Work toward getting your own card, because the benefits from being an authorized user last only as long as you are on that account.
    • Not all card issuers report authorized users’ credit habits to the 3 major credit bureaus, so check before you are added to the account.

How we picked the best credit cards for people with no credit

  • Credit-building perks. The main goal of a card for people with no credit is to grow credit scores. We made sure the cards here had perks to improve credit score, such as flexible schedules and reporting payment habits.
  • Credit needed. When it at home olathe coupon to cards for no credit history, we made sure that our selections would be available for all to access. The cards here have low barriers to be accepted.
  • Hidden costs. With cards for those with no credit history, you’ll often find unexpected fees and penalizing rates whenever you make a mistake. To help newer cardholders, we sought out options without overly harsh punishments.
  • Miscellaneous benefits and features. While secondary to credit-building features, rewards rates and categories are a long-term feature to consider. Plus, you’ll want to evaluate the card’s credit monitoring tools and ability to improve your credit line.

More information on credit cards for people with no credit

For more information on all things credit cards and getting yourself established, continue reading content from our credit card experts:


About the Author

Joey Robinson

Joey Robinson

Joey Robinson worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.

About the Editor

Источник: https://www.creditcards.com/no-credit/

How credit-building cards work

Set your credit limit.

Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.

An everyday card for your purchases.

Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card.

Build your credit.

We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit.

Enjoy credit-building benefits

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.2

Choose your payment due date

Everyone's schedule is different. So it's handy to be able to pick when your payment is due.3

24/7 account access

Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.

Zero fraud liability

You are not responsible for unauthorized transactions if your card is ever lost or stolen.4

Autopay

Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.

Fraud protection

Detects and notifies you of any unusual card activity to help prevent fraud.

Contactless payments

Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.

Mobile wallet

Add the Secured Visa Card to your digital wallet. Convenient and secure, you can pay with just a tap.

Looking for a credit card with different benefits?

Check out our wide range of cards that could fit your needs.

Frequently asked questions

The U.S. Bank Secured Visa Card is a secure, convenient payment solution for building or re-establishing credit. Purchases made with the Secured Visa Card are billed each month like any credit card and payments are reported to all credit bureaus to build credit history.

Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.

The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.

Start of disclosure content

Disclosures

Start of disclosure content

    Start of disclosure content

    CC-006 Contactless trademark

    CC-007 Creditor and issuer - Visa

    Источник: https://www.usbank.com/credit-cards/secured-visa-credit-card.html
    Best instant <a href=alicia keys corpo credit cards in Canada">

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    The approval process for a new credit card can feel punishing—especially if you have to wait several days for confirmation and for your card to be mailed to your home. Luckily, many credit cards now offer instant approval, making the application process much quicker and much less stressful. After filling out an application with details on your personal background, the card provider’s website runs its checks and lets you know within minutes if your application has been approved or rejected. 

    Find your next credit card.What kind of credit card are you looking for? Get matched with the best cards for you in under 2 minutes at ratehub.ca. Let's get started.

    I want to earn rewardsI want to pay low interest

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    If you’re approved with the information you’ve provided, your application is expedited for credit checks, card printing and mailing. And you can expect to receive a welcome package containing your card in five to seven business days. 

    As a safeguard against fraud, at times an application may go under manual review, in which case the file gets forwarded for verification, sometimes taking an additional two to three business days before a final decision is made. 

    As banking processes become increasingly digital, more credit-card applications are moving online, and more issuers are offering cards with applications that can be quickly approved.

    Here are the best instant-approval credit cards you can apply for right now. 


    Best instant-approval credit cards in Canada:


    What is an instant-approval credit card?

    Instant-approval credit cards are cards with an expedited approval process through a streamlined—practically instant—application and approval process that will help to save you time and stress. Rather than applying and waiting for the final decision to come through, the issuer will let you know immediately whether you’ve been approved or if there needs to be a manual review. 

    Canadian Tire’sTriangle Mastercard allows newly approved cardholders to make purchases on their card via Apple Pay or Google Pay before they receive their physical credit card in the mail.


    What do you need to get instantly approved for a credit card?

    • You must be a permanent resident or Canadian citizen (although some cards offer a longer application if you’re not a permanent resident of Canada)
    • You must be the age of majority (18 or 19 and older, depending on the province you reside in)
    • You must not have a history of bankruptcy if you’re applying for an unsecured credit card (that’s most rewards and low-interest credit card options)
    • A good credit score will increase your chances of being approved, whether you’re applying for a secured or an unsecured card

    Instant-approval applications require accurate information that matches any previous background information the provider or bank may already have on file (if you have another card from that provider or you bank with that institution already), your social insurance number, employment and income information, and other optional information. The more information you provide, the more effectively the approval process can verify that how to get a credit card fast with no credit are indeed… well, you

    If you’re approved instantly, the system will expedite your application for proper credit checks, though you may still be contacted for further confirmation of other details. Shortly after, your card will be printed and mailed to the address you’ve indicated. All cards require a credit check or score pull, with the exception of applications where you already have an established history with the institution, or when the credit card you’ve applied for is secured, meaning you would have provided a security deposit. 


    Best instant-approval credit cards in Canada

    Instant approval is available through a growing range of credit card providers, in a number of different categories. We’ve rounded up the best to help you choose the right instant-approval credit card for your needs.


    Card you can use instantly after approval 

    Canadian Tire Triangle Mastercard*

    The Canadian Tire Triangle Mastercard is a great option if you shop regularly at Canadian Tire, as well as CT Gas+, Sport Chek, Mark’s, and a variety of other retailers in the Canadian Tire family. If you apply in a Canadian Tire store and are approved, you may use the card immediately, rather than waiting for it in the mail. Or, if you apply online for instant credit and are approved right away, you’ll be able to proceed to checkout, where your card details will be pre-filled in the payments section—so you can start earning 4% back on qualifying purchases immediately. You can also use your card through the Apple Pay or Google Pay apps to make purchases before you receive your physical card in the mail.

    • Annual fee: $0
    • Rewards at partner locations: 4% in Canadian Tire Money on purchases at Canadian Tire and partner stores, and $0.05 back at Gas+ and participating Husky stations
    • Rewards on everything else: 1.5% on the first $12,000 spent on groceries per calendar year (excluding Costco and Walmart); 0.5% on everything else
    • Income requirement: None
    • Additional benefits: Personalized offers and exclusive bonuses; member-only events; extended warranty
    • Purchase interest rate: 19.99%

    Get more details about the Triangle Mastercard*


    Best no-fee rewards card

    PC Financial Mastercard*

    PC Financial Mastercard

    PC Financial offers one of the strongest no-fee rewards credit cards for everyday essentials. Given the wide range of stores under the President’s Choice/Loblaw Inc. umbrella—including Loblaws, No Frills, Fortinos, Real Canadian Superstore, Shoppers Drug Mart and Joe Fresh—this Mastercard is great for frequent shoppers favouring premium earning rates from grocery and pharmacy, as well as gas fill-ups at Esso and Mobil stations. You can earn at least 25 PC Optimum points per $1 at Shoppers Drug Mart, 30 points per $10 at Esso and Mobil stations, and 10 points per $1 everywhere else. And redeeming points is dead simple: 10,000 points equals a $10 store credit (equivalent 10 points for 1% in rewards) at PC-affiliated stores. Enriched by the PC Optimum program, this card allows you to take advantage of weekly points offers to earn more. 

    Within minutes of submitting your online application, you should receive an approval decision. And since it’s a store card, eligibility is often more lenient than with traditional bank credit cards. PC Financial also reviews your income as consideration for the PC Financial World Mastercard ($60,000 personal or $100,000 household) and World Elite Mastercard ($80,000 personal or $150,000 household) credit cards. (Each gives bonus points for everyday purchases at PC-affiliated retailers.)

    • Annual fee: $0
    • Earn rates: At least 25 points per $1 at Shoppers Drug Mart; 30 points per $1 at Esso and Mobil gas stations; and 10 points per $1 everywhere else
    • Income requirement: None
    • Additional benefits: Works with the PC Optimum program’s weekly offers; fraud detection with data encryption; proactive monitoring
    • Purchase interest rate: 20.97%

    Get more details about the PC Financial Mastercard*


    Best rewards credit card 

    American Express Cobalt Card*

    amex-cobalt-reviewThe American Express Cobalt follows in the footsteps of Netflix, Spotify and other subscription services by charging a $12.99 monthly fee to use the card, as opposed to an annual fee of $155.88. Combined with a generous earn rate of 5 points per $1 on eligible restaurants, bars, cafés and food delivery in Canada, this card is definitely aimed at busy millennials who are out and about town with friends, as well as frequent travellers. On travel, you’ll earn 2 points per $1 on eligible transit and gas purchases in Canada, as well as travel purchases like flights and hotel, and 1 point per $1 on all other purchases. 

    Points are collected under American Express’s Membership Rewards Select program, so you can’t transfer points to Aeroplan or partner airline programs like you can with other Amex cards, but you may redeem for travel directly on the American Express Travel portal under the “fixed” and “flexible” points redemption schedules. Additionally, you may transfer points to select hotel programs like Marriott Bonvoy or Hilton Honors, or even redeem points for cash back on your statement. 

    • Annual fee: $155.88, billed $12.99 every month
    • Earn rate: 5 points for every $1 spent on eligible restaurants, bars, cafés and food delivery in Canada; 2 points per $1 spent on eligible transit and gas purchases in Canada, as well as travel purchases like flights and hotel; 1 point per $1 on all other purchases
    • Welcome bonus: Up to 30,000 bonus points (2,500 points for each monthly billing period in which you spend $500 in net purchases on your Card for your first year), plus, earn a bonus of 20,000 points when you spend $3,000 in purchases within your first 3 months of having the card
    • Additional perks: Emergency medical coverage; flight and baggage delay insurance; car rental theft and damage insurance; purchase protection; access to How to get a credit card fast with no credit Express Invites and Front of the Line by American Express
    • Income required: None specified

    Get more details about the American Express Cobalt*


    Best cash-back credit card 

    American Express SimplyCash Preferred*

    If you’re looking for a straightforward cash-back card, look no further. The SimplyCash Preferred Card from American Express offers an easy-to-understand shooting star bb gun for sale of 2% cash back on everything you buy—groceries, gas, pharmacy, travel, online splurges, and everything between.

    At a below-average annual fee of $99, this American Express card offers an edge over Visa or Mastercard cards in the similar rank, as it has no specific income requirements. (Competitor cards often require a minimum annual income requirement of $60,000 or $80,000.) There’s no earn or redemption chart to figure out, as you’re automatically redeemed 2% cash back annually (on your September statement).

    Finally, there’s a generous 10% cash back for your first three months of card membership (up to $400), and it’s free to add additional authorized cardholders. If you shop at retailers that primarily accept American Express cards, this is a worthwhile choice.

    • Annual fee: $99
    • Welcome bonus: 10% cash back for the first three months, up to $400 
    • Earn rates: 2% on everything, redeemed as cash back annually on September statements
    • Income requirement: None
    • Additional benefits: American Express Front of the Line access; car rental theft and damage insurance; comprehensive travel insurance benefits 
    • Purchase interest rate: 19.99%

    Get more details about the American Express SimplyCash Preferred*

    Also consider: CIBC Dividend Visa Infinite

    • Annual fee: $120
    • Welcome bonus: Get 10% cash back for all purchases on your first four statements, or first $2,500 in purchases, up to $250 in cash back). After that, the earn rate becomes 4% on gas and grocery purchases and 1% cash back on everything else.
    • Earn rate: 4% back on groceries and gas; 2% back on dining, recurring bills and daily transit; 1% on all other purchases
    • Additional perks: Emergency medical and accident coverage; car rental collision and damage coverage; mobile device insurance; purchase security and mobile device insurance; and save up to $0.10 per litre at participating Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
    • Income required: $60,000 or $100,000 as a household

    Best low-interest credit card 

    BMO Preferred Rate Mastercard*

    BMO-Preferred-Rate-MastercardFor those looking to minimize debt, this $20-a-year Preferred Rate Mastercard from Bank of Montreal is our pick for the best low-interest credit card. The annual fee is refunded in the first year, and a lower-than-average interest rate of 12.99% means you can minimize interest on balances and new purchases. Plus, get a 3.99% introductory interest rate on balance transfers for nine months (note that you’ll be charged a 1% fee on the amount you transfer to the new card). 

    • Annual fee: $20 (refunded in the first year)
    • Interest rate: 12.99% for purchases and cash advances
    • Welcome offer: 3.99% introductory interest rate on balance transfers for 9 months, with a 1% transfer fee
    • Additional perks: Purchase protection and extended warranty 
    • Income required: None specified

    Get more details about the BMO Preferred Rate Mastercard*


    Approval with no credit check card

    Refresh Secured Visa*

    If your credit score is lower than you would like and you’re looking to rebuild it, this secured Visa card from Refresh Financial could be for you. As the card is secured, you’ll need to provide a deposit, and the application process may take a few extra steps compared with unsecured card applications. A low annual fee and lower-than-average 17.99% interest rate help you responsibly manage your credit while you work on your credit score, ideally building you to where you can apply for a different card with more generous rewards. 

    • Annual fee: $12.95, plus a monthly maintenance fee of $3
    • Interest rate: 17.99%
    • Additional perks: Earn $100 cash each time you refer a friend or family member, with no limits on number of referrals
    • Income required: None specified

    Get more details about the Refresh Secured Visa*


    Guaranteed approval card

    Capital One Low Rate Guaranteed Mastercard

    Capital One’s Low Rate Guaranteed Mastercard offers guaranteed approval for those who are how to get a credit card fast with no credit to build or improve their credit. However, if, based on your application result and credit score, you don’t meet the requirements of the Low Rate Guaranteed card, you’ll automatically be directed to the Guaranteed Secured Mastercard, which requires you to submit security funds as a deposit. Whichever option you end up with, both cards do report your credit history, so by using your card responsibly, you’ll ultimately raise your credit score.

    • Annual fee: $79
    • Interest rate: 14.9% on purchases and balance transfers
    • Additional perks: Price protection service; purchase assurance; extended warranty; common carrier travel accident insurance; car rental collision/loss damage waiver; baggage delay and travel assistance
    • Income required: None specified

    Honourable mention

    Koho Visa*

    This prepaid card allows you to use your own money, similar to how you would with a debit card, but with the universal convenience of a Visa. Since you’re using your own funded account, there’s no credit check required. Additionally, you won’t be charged interest and there’s no annual fee. You can even earn rewards comparable to those of some entry-level no-fee credit cards, with 0.5% cash back on all purchases. It has an additional opt-in feature (for $7 per month) to help build a credit score, plus other money-management tools through its corresponding app.

    Get more details about the Koho Visa*


    The difference between instant approval and guaranteed approval

    Applying online has made credit card approvals more immediate, but that doesn’t mean an approval is guaranteed. Cards with “instant approval” often have defined eligibility requirements. Instant approval means your application is adjudicated upon in minutes through the institution’s algorithmic technology and defined parameters. For example, Visa Infinite cards typically have a minimum income requirement of $60,000. Failing to meet that will result in a quick denial. Comparatively, “guaranteed approval” is a subset of credit card types also known as “secured” credit cards. These cards work well for those looking to build up a low credit score, whether because they don’t have a card or are repairing a bad credit history. 

    To obtain a secured credit card, you make a deposit to secure the limit on the card, which is why it’s called “secured.” This is done in case you default on payments. Unsecured cards, on the other hand, are approved on the merit of a wide combination of factors, including but not limited to credit score, a relationship with the financial institution and payment history. Guaranteed approvals are typically simple and are often associated with secured credit cards. 

    Tips for applying for an instant-approval credit card

    If you’re applying for an instant-approval credit card, the below tips can increase your chances of success:

    • Know your credit score: Depending on the card you’re applying for, where your credit score sits will help determine if you get instantly approved. If you have a fair credit score (600 to 649), along with other factors like payment history and relationship with the issuer, consider retail and store credit cards. For scores 650 and up, look into applying for a reward-based card, like a cash-back credit card. If your score is 700 and higher, you have options for a more premium card, like a Visa Platinum/Infinite or Mastercard World/World Elite card. However, if your score is below 600, you should consider a secured card with a deposit requirement.
    • Strategize your card applications: Each time you apply for a card, the issuer may perform a hard credit pull, which can temporarily and negatively impact your score. These reviews determine your credit history and eligibility, but too many applications at once are flagged as “risky.” Space out your applications for a more favourable credit score and history.
    • Review the card’s minimum-income requirements before applying: Income requirements are often set by the credit card networks (think Visa and Mastercard). For example, Visa Infinite cards require a minimum annual income of $60,000, while the Visa Infinite Privilege requires a minimum of $150,000 for an individual or $200,000 for a household. Failure to meet the income requirements will result in an immediate denial.
    • Review present credit card debts: If you already owe money on one or more credit cards—either over 30% of your total credit limit or more than 40% of your income—banks will be less likely to approve your application. Address your debt first by paying back a significant portion. 
    • Report all of your income: This includes everything from your regular paycheque to side hustles and part-time jobs. Never lie about your income, but do use all of your income to your advantage. Additionally, if you’re part of a household (i.e. you live with a partner), some financial institutions will let you report a total household income instead of your own income alone.
    • Regularly review your credit file: It’s a good idea to pull your full credit report to see what’s factored into your score. These reports are a major factor in how an issuer reviews your eligibility, so if anything appears inaccurate, you may want to address it before applying for a new card.

    MORE ON CANADA’S BEST CREDIT CARDS:

    What does the * mean?

    If a link has an asterisk (*) at the end of it, that means it's an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It's important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it's included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy.

    Источник: https://www.moneysense.ca/spend/credit-cards/best-instant-approval-credit-cards-in-canada/

    Pros and Cons of Secured Credit Cards

    One of the toughest times to get a credit card is when you have bad credit or no credit at all. The trouble is, you often need a credit card to start building a good credit history, but you also need a good credit history to get approved for many credit cards. If you can't get approved for a traditional credit card, a secured credit card is an alternative worth considering.

    Learn how secured credit cards work and whether one is a good fit for you.

    Key Takeaways

    • Secured credit cards require a deposit.
    • It's easier to be approved for a secured credit card than for an unsecured one.
    • Secured credit cards may have higher interest rates and more fees than unsecured cards.

    What Is a Secured Credit Card?

    Secured credit cards require a deposit that serves as collateral for purchases you make using the card. If you default on your payments, the card issuer keeps your deposit. Otherwise, as long as you keep your account in good standing, your credit card issuer will return your deposit to you after a certain number of months or when you close your account.

    The credit limit on your secured credit card typically will be equal to your security deposit. In some cases, your credit limit can be bigger than your security deposit, depending on the card you choose and your credit rating.

    How Does a Secured Credit Card Work?

    You can use the secured credit card just like you'd use any other credit card. Swipe it for purchases up to your credit limit, and make timely payments toward your balance each month. The application process is also the same as a traditional credit card. Card issuers review your credit history. If you're approved, you pay your security deposit.

    Pros and Cons of Secured Credit Cards

    Pros
    • Typically reported to credit bureaus.

    • Can help you establish or re-establish credit.

    • Your security deposit is only used if you default.

    • You may be able to earn rewards.

    • Easier to get approved

    Cons
    • It can be difficult to come up with the security deposit.

    • There may be other fees such as a maintenance fee and annual fee.

    • You may pay a higher interest rate.

    Pros Explained

    Secured credit cards can be a good option for building or rebuilding your credit. Five benefits stand out for consumers with blemished credit or no credit at all.

    • You can often get approved for a secured credit card when you can't get approved for a traditional credit card. Paying the security deposit shifts the credit risk away from the credit card issuer.
    • They typically report to credit bureaus. Unlike a prepaid credit card which functions more like a debit card, a secured credit card will send your account history to the credit bureaus to be included in your credit report.
    • A secured credit card can help you establish or re-establish your credit. Since payments are included in your credit report, paying on time and managing your balance will help improve your credit score. After raising your credit score, you may be able to qualify for a regular credit card.
    • Your security deposit is used only if you default on your payment. Unless your defaulted balance is more than your deposit, you won't get sent to how to get a credit card fast with no credit for defaulting on your payments. Though the card issuer will keep your deposit, you don't have to worry about debt collectors hounding you for missed payments on the card. The late payments still will hurt your credit score, however.
    • You can earn rewards on purchases with some cards, such as Discover and Navy Federal's secured cards.

    Cons Explained

    While secured credit cards can be appealing for those who are trying to improve their credit scores, there still are a few disadvantages.

    • It might be difficult to come up with even a couple of hundred dollars to make a security deposit. If you do have that money, it might be better spent paying off some outstanding debt. Try setting aside $25 to $50 each month until you've saved up enough for the security deposit.
    • There may be fees in addition to the deposit. Depending on the card you choose, you might have to pay an application fee, processing fee, or an annual fee to have your secured credit card. This increases the cost of having the card. Shop around and select the card with the lowest fees.
    • You may have to pay a higher interest rate. Secured credit cards don't usually offer competitive interest rates because of the risk of default. To avoid high finance charges, pay your balance in full each month.

    Frequently Asked Questions (FAQs)

    Which banks offer secured credit cards?

    Many banks and card issuers offer secured credit cards. If you have a preferred bank, consider asking whether they offer a secured credit card. Don't apply for a card without digging into the terms and conditions, however. Look at the APR, fees, and whether you can be transitioned to an unsecured card in the future.

    What are the top-rated secured credit cards?

    The Discover it Secured card, the Secured Mastercard from Capital One, and the Secured Visa from Merrick Bank are highly rated secured credit cards. Discover it Secured offers cashback rewards. The Secured Mastercard from Capital One has a low deposit requirement. The Secured Visa from Merrick Bank has a relatively low APR.

    How do secured credit cards help you build credit?

    Card issuers report your payment history and credit utilization to the credit bureaus. Paying on time and keeping a low balance on your card can improve your credit score. The key to using a secured credit card to build credit is to use it responsibly.

    Источник: https://www.thebalance.com/pros-and-cons-of-secured-credit-cards-960202

    Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

    While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

    By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

    1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

    2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

    3 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

    4 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

    5 Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

    6 Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Spending Account, see your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details. Please see the back of your Chime debit card for your issuing bank.See Terms and Conditions

    7 The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.

    © 2013-2021 Chime. All Rights Reserved.

    Источник: https://www.chime.com/

    Fidelity® Rewards Visa Signature® Card

    We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

    1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

    2.

    Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

    3.

    To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note rockland pool state park automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

    4.

    Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

    5. Certain restrictions apply to each benefit. Details accompany new account materials.

    6.

    Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

    7.

    Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

    8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

    Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

    "Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

    Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

    Google, Google Pay and the Google Logo are trademarks of Google LLC.

    ©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

    © 2021 The Kiplinger Washington Editors. Used under License.

    Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

    The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

    Fidelity® and Elan Financial Services are separate companies.

    Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

    stock market price for walmart Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

    Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

    Источник: https://www.fidelity.com/cash-management/visa-signature-card
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    Build your credit and earn 1% Cash Back on all eligible purchases1

    • Make purchases like with any credit card
    • Build your credit by making on-time payments
    • Earn 1% Cash Back on all eligible purchases1
    • Your linked savings account works as a security deposit2

    Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

    Build your credit and earn 1% Cash Back on all eligible purchases1

    • Make purchases like with any credit card
    • Build your credit by making on-time payments
    • Earn 1% Cash Back on all eligible purchases1
    • Your linked savings account works as a security deposit2

    Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

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    How to get a TD Cash Secured Credit Card

    Apply for the card

    Apply online for the TD Cash Secured Credit Card

    Open a savings account

    Once you're conditionally approved, you will get instructions to open and fund a TD Simple Savings account as your security deposit

    Fund your savings account

    You'll need a minimum of $300 in your savings account to secure your card. You can use funds from another TD Bank, your debit card or an external account

    Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.
    • How it works

    • Rates and fees

    How the TD Cash Secured Credit Card works

    • Apply online
      If qualified, you'll receive conditional approval
    • Make a security deposit
      Once conditionally approved you'll open a TD Simple Savings account and make a deposit to secure your credit line
    • Set your credit limit
      Your security deposit is your credit limit. That means you can decide the amount that's best for you—from $300–$5,000, subject to credit approval
    • Graduate to an unsecured card
      If you use and maintain the card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit Card. Please keep in mind, not all accounts qualify for graduation. A decision to graduate is based on responsible credit management across all of your credit cards and loans, including TD and others.

    Rates and fees

    What you pay

    Credit Line

    $300–$5,000

    Annual Percentage Rate (APR) for Purchases how to get a credit card fast with no credit

    22.99% variable APR how to get a credit card fast with no credit

    APR for Balance Transfers

    22.99% variable APR

    Balance Transfer Fee

    $5 or 3% of transfer whichever amount is greater

    Minimum Interest Charge

    $1

    how to get a credit card fast with no credit APR for Cash Advances

    25.24% variable APR

    Cash Advance Fee

    $10 or 5% of advance whichever amount is greater

    Annual Fee

    $29 annual fee*

    Foreign Transaction Fee

    3% of each transaction in U.S. dollars

    Late Payment

    Up to $40

    Returned Payment

    Up to $40

    TD Bank Visa® Credit Card Benefits

    Your TD Cash Secured Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more.

    Find out how to build your credit

    Understanding your credit score & report

    Get to know your credit score and how you can improve it

    Building a good credit score

    Find out how to build and improve your credit

    Credit scores & reports interactive guide

    Get information on your credit score, how it’s calculated and how to protect it

    Apply for a TD Cash Secured Card

    Online

    In person

    Book an appointment at your local TD Bank to set up your account

    *Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

    1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

    2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

    By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

    Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

    Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

    View the Personal Credit Card Agreement for TD Cash Secured.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    *Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

    1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

    2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

    By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

    Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

    Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

    View the Personal Credit Card Agreement for TD Cash Secured.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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    Источник: https://www.td.com/us/en/personal-banking/credit-cards/secured-credit-card/

    How to get a credit card fast with no credit -

    What to do when you don't have a credit score

    Why do your credit history and score matter?

    Banks stay in business by issuing credit to people who are responsible enough to pay it back. Without an intimate knowledge of how you spend your money, a credit score and credit history are the next best thing. They give the lender an idea of the risk they are taking when they lend to you. Then, they can approve or deny your application based on that risk.

    Credit histories and scores are also important for other areas of your life, such as applying for car insurance or getting jobs in the financial sector. Landlords may also require you to have a suitable credit score before they rent to you.

    What should you do if you have no credit?

    The number one thing to do if you lack a credit score is to start building one. These steps are available for those who are just starting out. 

    1. Become an authorized user

    If a spouse or family member can add you as an authorized user on a card, you have an opportunity to start building credit. Keep in mind that as an authorized user you won’t be solely responsible for paying the bill, so make sure to coordinate accordingly.

    Also, others may be reluctant to add you if you have a history of questionable money mistakes. In that case, see if you can be added as an authorized user but not actually get the physical card to spend on. This move can also affect your score negatively if the person fails to pay a bill, so partner up with someone who is money smart. 

    2. Get a co-signer

    Another option for getting a loan is to use a co-signer. This individual will put their name on the loan as a guarantee that, if you fail to make payments, they would be held liable. This is another situation where it pays to have a trusting relationship with someone who has good credit and who trusts you to make payments on time each month.

    3. Apply for a secured credit card

    If you have cash available, you could be approved for a secured credit card. These cards can be used just like your typical credit card, but they only allow you to charge up to the credit line equal to a cash deposit put down in advance.

    If you put down $500 in cash deposits, for example, you’ll have $500 to spend with that card. Prompt repayment of the card bill will soon have you building that much-needed credit score. 

    4. Diversify your debt

    Your credit score is based on several factors, one of them being your credit mix. Credit mix is a term that describes the types of credit you use. Student loans, car loans, or mortgages are considered installment credit. Credit cards or bank lines of credit are considered revolving credit. Having a little of each is the best way to keep your score healthy.

    Источник: https://www.petalcard.com/blog/i-dont-have-a-credit-score

    Sometimes you have a last-minute expense pop up and need extra money fast. A credit card can be a good solution to how to bridge the gap between paydays, but the time between applying and receiving a standard credit card could take weeks. Instant-approval credit cards can save you considerable time and often even provide you with the credit card number and charging privileges as soon as you're approved.

    Read more: Best rewards credit card for 2021

    It's important to do your research before you apply to be sure which card is right for you. The following credit cards were selected based on speed of approval, card features, low fees and the types of credit profiles most likely to get approved. 

    Intro BonusN/A

    APR8.99% -29.99% APR

    Recommended Credit Excellent/Good

    Reward Rates
    • Unlimited cash back on payments - 3% on Home, Auto and Health categories
    • 1% on everything else

    Annual Fee$0

    Intro Purchase APRN/A

    Foreign Transaction Fees $0

    • Unlimited cash back on payments - 3% on Home, Auto and Health categories
    • 1% on everything else

    Our Take

    If you need a card right away for an upcoming expense, the Upgrade Triple Cash Rewards Visa* is available to use as soon as you're approved. For the ultimate flexibility, this card is a combination of credit card and line of credit to cover unexpected expenses, with monthly payments deducted automatically from your bank account. Plus, you'll earn cash back as you go. Once you're approved, all you need to do is sign in to your Upgrade account to find your virtual card number. You can use the number for online purchases until your physical card arrives by mail.

    Intro BonusN/A

    APR23.99% Variable

    Recommended Credit Bad Credit

    Reward Rates
    • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.

    Annual Fee$75 for the first year. After that, $99 annually ($8.25 per month)

    Intro Purchase APRN/A

    Late Payment Fee Up to $39 (terms apply)

    Foreign Transaction Fees Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.

    • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.

    Our Take

    The Credit One Bank Platinum Visa for Rebuilding Credit is meant for individuals with less-than-stellar credit who'd like to improve their credit standing. This means that the majority of applicants have a good chance of getting good news right away. New card holders typically start off with small credit limits (based on their credit score). Credit One will periodically review accounts and increase credit limits based on payment history. When you're approved for the Credit One Bank Platinum Visa for Rebuilding Credit, you can start making payments through Apple Pay, Google Pay or Samsung Pay, as well as managing your card directly from the mobile app.

    Intro BonusEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

    APR13.99%-23.99% Variable

    Recommended Credit Excellent, Good

    Reward Rates
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
    • 2% cash back at U.S. gas stations and at select U.S. department stores
    • 1% Cash Back on other purchases

    Annual Fee$0

    Intro Purchase APR0% on Purchases for 15 months

    Balance Transfer Fee N/A

    Late Payment Fee Up to $40

    Foreign Transaction Fees 2.7% of each transaction after conversion to US dollars.

    Penalty APR 29.99% Variable

    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
    • 2% cash back at U.S. gas stations and at select U.S. department stores
    • 1% Cash Back on other purchases

    Our Take

    American Express can provide you with nearly instant approval as long as your identity can be properly verified. The Blue Cash Everyday Card from American Express is a good instant-approval option when you need to make a major purchase or pay for an emergency. You'll get an introductory interest-free period of 15 months on purchases (13.99% to 23.99% variable APR thereafter), which will come in handy to pay back an unexpected expense over time without wiping out your emergency fund. Once you're approved, you can access your card number by logging in to your account. 

    Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

    Intro BonusGet 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.

    APR15.99% - 23.99% Variable APR on purchases

    Recommended Credit Excellent/Good

    Reward Rates
    • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
    • Unlimited 1 mile for every $1 spent on all other purchases.

    Annual Fee$75

    Intro Purchase APRN/A

    Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

    Balance Transfer APR15.99% - 23.99% Variable APR on balance transfers

    Late Payment Fee Up to $40

    Foreign Transaction Fees None

    Penalty APR up to 29.99% APR

    • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
    • Unlimited 1 mile for every $1 spent on all other purchases.

    Our Take

    Travelers will appreciate the perks that come with the Alaska Airlines Visa Signature® credit card*, including 40,000 bonus miles and Alaska's companion fare from $121 ($99 fare plus taxes and fees from $22) after spending $2,000 in the first 90 days, which gets you a round-trip ticket to many destinations. You also receive one Alaska Airlines companion fare per card anniversary year for $121 (plus taxes and fees) and one free checked bag for you and up to six guests on the reservation. You won't be limited to Alaska Airlines for redemption either. You can use your miles with any travel partner in the Oneworld Alliance. If you fit Bank of America's credit profile, you'll likely receive your new credit card number along with approval right away.

    Intro BonusN/A

    APR26.99% (Variable)

    Recommended Credit Limited, Bad

    Reward RatesN/A

    Annual Fee$0

    Intro Purchase APRN/A

    Intro Balance Transfer APRN/A

    Balance Transfer Fee $0 at this Transfer APR

    Balance Transfer APR26.99% (Variable)

    Late Payment Fee Up to $40

    Foreign Transaction Fees None

    Penalty APR None

    Our Take

    Most instant-approval credit cards make a decision fast, but the decision may not always be in your favor. It's especially true if your credit score falls below a Good rating. A secured credit card -- a card requiring a security deposit in exchange for a credit account -- may be the best option. The Capital One Platinum Secured Credit Card* is designed for anyone with fair or below-average credit and offers low security deposit requirements. 

    Most secured cards expect you to provide 100% of the credit limit in the form of a security deposit. Capital One may only require as little as $49 or $99 to get a $200 initial credit line. If you maintain your card account in good standing, Capital One may automatically consider you for a higher credit line in as little as six months. If approved, you may be able to log in to the app to grab your new card number and start making purchases right away.

    Intro Bonus$200 Amazon Gift Card instantly upon approval

    APR14.24% to 22.24% Variable

    Recommended Credit N/A

    Reward Rates
    • 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
    • 2% back at restaurants, gas stations, and drugstores*
    • 1% back on all other purchases*

    Annual Fee$0

    Intro Purchase APRN/A

    Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

    Balance Transfer APR14.24% to 22.24% Variable

    Late Payment Fee Up to $39

    Foreign Transaction Fees None

    • 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
    • 2% back at restaurants, gas stations, and drugstores*
    • 1% back on all other purchases*

    Our Take

    The Amazon Prime Rewards Visa Signature Card is an excellent choice for shoppers who want to earn cash-back rewards that can be applied to purchases, transferred to a bank account or applied as a statement credit. Once you're approved, you'll see the credit card in your Amazon account and ready to use at checkout. You'll need to wait for the physical card before you can shop at retail stores, but considering how much is available through Amazon or Whole Foods online, you may be able to purchase what you need without the mail carrier holding you up.

    Источник: https://www.cnet.com/personal-finance/credit-cards/best-instant-approval-credit-cards/
    Recently Viewed

    Build your credit and earn 1% Cash Back on all eligible purchases1

    • Make purchases like with any credit card
    • Build your credit by making on-time payments
    • Earn 1% Cash Back on all eligible purchases1
    • Your linked savings account works as a security deposit2

    Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

    Build your credit and earn 1% Cash Back on all eligible purchases1

    • Make purchases like with any credit card
    • Build your credit by making on-time payments
    • Earn 1% Cash Back on all eligible purchases1
    • Your linked savings account works as a security deposit2

    Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.

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    How to get a TD Cash Secured Credit Card

    Apply for the card

    Apply online for the TD Cash Secured Credit Card

    Open a savings account

    Once you're conditionally approved, you will get instructions to open and fund a TD Simple Savings account as your security deposit

    Fund your savings account

    You'll need a minimum of $300 in your savings account to secure your card. You can use funds from another TD Bank, your debit card or an external account

    Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.
    • How it works

    • Rates and fees

    How the TD Cash Secured Credit Card works

    • Apply online
      If qualified, you'll receive conditional approval
    • Make a security deposit
      Once conditionally approved you'll open a TD Simple Savings account and make a deposit to secure your credit line
    • Set your credit limit
      Your security deposit is your credit limit. That means you can decide the amount that's best for you—from $300–$5,000, subject to credit approval
    • Graduate to an unsecured card
      If you use and maintain the card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit Card. Please keep in mind, not all accounts qualify for graduation. A decision to graduate is based on responsible credit management across all of your credit cards and loans, including TD and others.

    Rates and fees

    What you pay

    Credit Line

    $300–$5,000

    Annual Percentage Rate (APR) for Purchases

    22.99% variable APR

    APR for Balance Transfers

    22.99% variable APR

    Balance Transfer Fee

    $5 or 3% of transfer whichever amount is greater

    Minimum Interest Charge

    $1

    APR for Cash Advances

    25.24% variable APR

    Cash Advance Fee

    $10 or 5% of advance whichever amount is greater

    Annual Fee

    $29 annual fee*

    Foreign Transaction Fee

    3% of each transaction in U.S. dollars

    Late Payment

    Up to $40

    Returned Payment

    Up to $40

    TD Bank Visa® Credit Card Benefits

    Your TD Cash Secured Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more.

    Find out how to build your credit

    Understanding your credit score & report

    Get to know your credit score and how you can improve it

    Building a good credit score

    Find out how to build and improve your credit

    Credit scores & reports interactive guide

    Get information on your credit score, how it’s calculated and how to protect it

    Apply for a TD Cash Secured Card

    Online

    In person

    Book an appointment at your local TD Bank to set up your account

    *Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

    1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

    2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

    By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

    Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

    Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

    View the Personal Credit Card Agreement for TD Cash Secured.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

    *Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

    1All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

    2Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

    By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

    Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

    Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

    View the Personal Credit Card Agreement for TD Cash Secured.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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    Источник: https://www.td.com/us/en/personal-banking/credit-cards/secured-credit-card/
    Best instant approval credit cards in Canada

    Photo created by azerbaijan_stockers - www.freepik.com

    The approval process for a new credit card can feel punishing—especially if you have to wait several days for confirmation and for your card to be mailed to your home. Luckily, many credit cards now offer instant approval, making the application process much quicker and much less stressful. After filling out an application with details on your personal background, the card provider’s website runs its checks and lets you know within minutes if your application has been approved or rejected. 

    Find your next credit card.What kind of credit card are you looking for? Get matched with the best cards for you in under 2 minutes at ratehub.ca. Let's get started.

    I want to earn rewardsI want to pay low interest

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    If you’re approved with the information you’ve provided, your application is expedited for credit checks, card printing and mailing. And you can expect to receive a welcome package containing your card in five to seven business days. 

    As a safeguard against fraud, at times an application may go under manual review, in which case the file gets forwarded for verification, sometimes taking an additional two to three business days before a final decision is made. 

    As banking processes become increasingly digital, more credit-card applications are moving online, and more issuers are offering cards with applications that can be quickly approved.

    Here are the best instant-approval credit cards you can apply for right now. 


    Best instant-approval credit cards in Canada:


    What is an instant-approval credit card?

    Instant-approval credit cards are cards with an expedited approval process through a streamlined—practically instant—application and approval process that will help to save you time and stress. Rather than applying and waiting for the final decision to come through, the issuer will let you know immediately whether you’ve been approved or if there needs to be a manual review. 

    Canadian Tire’sTriangle Mastercard allows newly approved cardholders to make purchases on their card via Apple Pay or Google Pay before they receive their physical credit card in the mail.


    What do you need to get instantly approved for a credit card?

    • You must be a permanent resident or Canadian citizen (although some cards offer a longer application if you’re not a permanent resident of Canada)
    • You must be the age of majority (18 or 19 and older, depending on the province you reside in)
    • You must not have a history of bankruptcy if you’re applying for an unsecured credit card (that’s most rewards and low-interest credit card options)
    • A good credit score will increase your chances of being approved, whether you’re applying for a secured or an unsecured card

    Instant-approval applications require accurate information that matches any previous background information the provider or bank may already have on file (if you have another card from that provider or you bank with that institution already), your social insurance number, employment and income information, and other optional information. The more information you provide, the more effectively the approval process can verify that you are indeed… well, you

    If you’re approved instantly, the system will expedite your application for proper credit checks, though you may still be contacted for further confirmation of other details. Shortly after, your card will be printed and mailed to the address you’ve indicated. All cards require a credit check or score pull, with the exception of applications where you already have an established history with the institution, or when the credit card you’ve applied for is secured, meaning you would have provided a security deposit. 


    Best instant-approval credit cards in Canada

    Instant approval is available through a growing range of credit card providers, in a number of different categories. We’ve rounded up the best to help you choose the right instant-approval credit card for your needs.


    Card you can use instantly after approval 

    Canadian Tire Triangle Mastercard*

    The Canadian Tire Triangle Mastercard is a great option if you shop regularly at Canadian Tire, as well as CT Gas+, Sport Chek, Mark’s, and a variety of other retailers in the Canadian Tire family. If you apply in a Canadian Tire store and are approved, you may use the card immediately, rather than waiting for it in the mail. Or, if you apply online for instant credit and are approved right away, you’ll be able to proceed to checkout, where your card details will be pre-filled in the payments section—so you can start earning 4% back on qualifying purchases immediately. You can also use your card through the Apple Pay or Google Pay apps to make purchases before you receive your physical card in the mail.

    • Annual fee: $0
    • Rewards at partner locations: 4% in Canadian Tire Money on purchases at Canadian Tire and partner stores, and $0.05 back at Gas+ and participating Husky stations
    • Rewards on everything else: 1.5% on the first $12,000 spent on groceries per calendar year (excluding Costco and Walmart); 0.5% on everything else
    • Income requirement: None
    • Additional benefits: Personalized offers and exclusive bonuses; member-only events; extended warranty
    • Purchase interest rate: 19.99%

    Get more details about the Triangle Mastercard*


    Best no-fee rewards card

    PC Financial Mastercard*

    PC Financial Mastercard

    PC Financial offers one of the strongest no-fee rewards credit cards for everyday essentials. Given the wide range of stores under the President’s Choice/Loblaw Inc. umbrella—including Loblaws, No Frills, Fortinos, Real Canadian Superstore, Shoppers Drug Mart and Joe Fresh—this Mastercard is great for frequent shoppers favouring premium earning rates from grocery and pharmacy, as well as gas fill-ups at Esso and Mobil stations. You can earn at least 25 PC Optimum points per $1 at Shoppers Drug Mart, 30 points per $10 at Esso and Mobil stations, and 10 points per $1 everywhere else. And redeeming points is dead simple: 10,000 points equals a $10 store credit (equivalent 10 points for 1% in rewards) at PC-affiliated stores. Enriched by the PC Optimum program, this card allows you to take advantage of weekly points offers to earn more. 

    Within minutes of submitting your online application, you should receive an approval decision. And since it’s a store card, eligibility is often more lenient than with traditional bank credit cards. PC Financial also reviews your income as consideration for the PC Financial World Mastercard ($60,000 personal or $100,000 household) and World Elite Mastercard ($80,000 personal or $150,000 household) credit cards. (Each gives bonus points for everyday purchases at PC-affiliated retailers.)

    • Annual fee: $0
    • Earn rates: At least 25 points per $1 at Shoppers Drug Mart; 30 points per $1 at Esso and Mobil gas stations; and 10 points per $1 everywhere else
    • Income requirement: None
    • Additional benefits: Works with the PC Optimum program’s weekly offers; fraud detection with data encryption; proactive monitoring
    • Purchase interest rate: 20.97%

    Get more details about the PC Financial Mastercard*


    Best rewards credit card 

    American Express Cobalt Card*

    amex-cobalt-reviewThe American Express Cobalt follows in the footsteps of Netflix, Spotify and other subscription services by charging a $12.99 monthly fee to use the card, as opposed to an annual fee of $155.88. Combined with a generous earn rate of 5 points per $1 on eligible restaurants, bars, cafés and food delivery in Canada, this card is definitely aimed at busy millennials who are out and about town with friends, as well as frequent travellers. On travel, you’ll earn 2 points per $1 on eligible transit and gas purchases in Canada, as well as travel purchases like flights and hotel, and 1 point per $1 on all other purchases. 

    Points are collected under American Express’s Membership Rewards Select program, so you can’t transfer points to Aeroplan or partner airline programs like you can with other Amex cards, but you may redeem for travel directly on the American Express Travel portal under the “fixed” and “flexible” points redemption schedules. Additionally, you may transfer points to select hotel programs like Marriott Bonvoy or Hilton Honors, or even redeem points for cash back on your statement. 

    • Annual fee: $155.88, billed $12.99 every month
    • Earn rate: 5 points for every $1 spent on eligible restaurants, bars, cafés and food delivery in Canada; 2 points per $1 spent on eligible transit and gas purchases in Canada, as well as travel purchases like flights and hotel; 1 point per $1 on all other purchases
    • Welcome bonus: Up to 30,000 bonus points (2,500 points for each monthly billing period in which you spend $500 in net purchases on your Card for your first year), plus, earn a bonus of 20,000 points when you spend $3,000 in purchases within your first 3 months of having the card
    • Additional perks: Emergency medical coverage; flight and baggage delay insurance; car rental theft and damage insurance; purchase protection; access to American Express Invites and Front of the Line by American Express
    • Income required: None specified

    Get more details about the American Express Cobalt*


    Best cash-back credit card 

    American Express SimplyCash Preferred*

    If you’re looking for a straightforward cash-back card, look no further. The SimplyCash Preferred Card from American Express offers an easy-to-understand system of 2% cash back on everything you buy—groceries, gas, pharmacy, travel, online splurges, and everything between.

    At a below-average annual fee of $99, this American Express card offers an edge over Visa or Mastercard cards in the similar rank, as it has no specific income requirements. (Competitor cards often require a minimum annual income requirement of $60,000 or $80,000.) There’s no earn or redemption chart to figure out, as you’re automatically redeemed 2% cash back annually (on your September statement).

    Finally, there’s a generous 10% cash back for your first three months of card membership (up to $400), and it’s free to add additional authorized cardholders. If you shop at retailers that primarily accept American Express cards, this is a worthwhile choice.

    • Annual fee: $99
    • Welcome bonus: 10% cash back for the first three months, up to $400 
    • Earn rates: 2% on everything, redeemed as cash back annually on September statements
    • Income requirement: None
    • Additional benefits: American Express Front of the Line access; car rental theft and damage insurance; comprehensive travel insurance benefits 
    • Purchase interest rate: 19.99%

    Get more details about the American Express SimplyCash Preferred*

    Also consider: CIBC Dividend Visa Infinite

    • Annual fee: $120
    • Welcome bonus: Get 10% cash back for all purchases on your first four statements, or first $2,500 in purchases, up to $250 in cash back). After that, the earn rate becomes 4% on gas and grocery purchases and 1% cash back on everything else.
    • Earn rate: 4% back on groceries and gas; 2% back on dining, recurring bills and daily transit; 1% on all other purchases
    • Additional perks: Emergency medical and accident coverage; car rental collision and damage coverage; mobile device insurance; purchase security and mobile device insurance; and save up to $0.10 per litre at participating Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
    • Income required: $60,000 or $100,000 as a household

    Best low-interest credit card 

    BMO Preferred Rate Mastercard*

    BMO-Preferred-Rate-MastercardFor those looking to minimize debt, this $20-a-year Preferred Rate Mastercard from Bank of Montreal is our pick for the best low-interest credit card. The annual fee is refunded in the first year, and a lower-than-average interest rate of 12.99% means you can minimize interest on balances and new purchases. Plus, get a 3.99% introductory interest rate on balance transfers for nine months (note that you’ll be charged a 1% fee on the amount you transfer to the new card). 

    • Annual fee: $20 (refunded in the first year)
    • Interest rate: 12.99% for purchases and cash advances
    • Welcome offer: 3.99% introductory interest rate on balance transfers for 9 months, with a 1% transfer fee
    • Additional perks: Purchase protection and extended warranty 
    • Income required: None specified

    Get more details about the BMO Preferred Rate Mastercard*


    Approval with no credit check card

    Refresh Secured Visa*

    If your credit score is lower than you would like and you’re looking to rebuild it, this secured Visa card from Refresh Financial could be for you. As the card is secured, you’ll need to provide a deposit, and the application process may take a few extra steps compared with unsecured card applications. A low annual fee and lower-than-average 17.99% interest rate help you responsibly manage your credit while you work on your credit score, ideally building you to where you can apply for a different card with more generous rewards. 

    • Annual fee: $12.95, plus a monthly maintenance fee of $3
    • Interest rate: 17.99%
    • Additional perks: Earn $100 cash each time you refer a friend or family member, with no limits on number of referrals
    • Income required: None specified

    Get more details about the Refresh Secured Visa*


    Guaranteed approval card

    Capital One Low Rate Guaranteed Mastercard

    Capital One’s Low Rate Guaranteed Mastercard offers guaranteed approval for those who are looking to build or improve their credit. However, if, based on your application result and credit score, you don’t meet the requirements of the Low Rate Guaranteed card, you’ll automatically be directed to the Guaranteed Secured Mastercard, which requires you to submit security funds as a deposit. Whichever option you end up with, both cards do report your credit history, so by using your card responsibly, you’ll ultimately raise your credit score.

    • Annual fee: $79
    • Interest rate: 14.9% on purchases and balance transfers
    • Additional perks: Price protection service; purchase assurance; extended warranty; common carrier travel accident insurance; car rental collision/loss damage waiver; baggage delay and travel assistance
    • Income required: None specified

    Honourable mention

    Koho Visa*

    This prepaid card allows you to use your own money, similar to how you would with a debit card, but with the universal convenience of a Visa. Since you’re using your own funded account, there’s no credit check required. Additionally, you won’t be charged interest and there’s no annual fee. You can even earn rewards comparable to those of some entry-level no-fee credit cards, with 0.5% cash back on all purchases. It has an additional opt-in feature (for $7 per month) to help build a credit score, plus other money-management tools through its corresponding app.

    Get more details about the Koho Visa*


    The difference between instant approval and guaranteed approval

    Applying online has made credit card approvals more immediate, but that doesn’t mean an approval is guaranteed. Cards with “instant approval” often have defined eligibility requirements. Instant approval means your application is adjudicated upon in minutes through the institution’s algorithmic technology and defined parameters. For example, Visa Infinite cards typically have a minimum income requirement of $60,000. Failing to meet that will result in a quick denial. Comparatively, “guaranteed approval” is a subset of credit card types also known as “secured” credit cards. These cards work well for those looking to build up a low credit score, whether because they don’t have a card or are repairing a bad credit history. 

    To obtain a secured credit card, you make a deposit to secure the limit on the card, which is why it’s called “secured.” This is done in case you default on payments. Unsecured cards, on the other hand, are approved on the merit of a wide combination of factors, including but not limited to credit score, a relationship with the financial institution and payment history. Guaranteed approvals are typically simple and are often associated with secured credit cards. 

    Tips for applying for an instant-approval credit card

    If you’re applying for an instant-approval credit card, the below tips can increase your chances of success:

    • Know your credit score: Depending on the card you’re applying for, where your credit score sits will help determine if you get instantly approved. If you have a fair credit score (600 to 649), along with other factors like payment history and relationship with the issuer, consider retail and store credit cards. For scores 650 and up, look into applying for a reward-based card, like a cash-back credit card. If your score is 700 and higher, you have options for a more premium card, like a Visa Platinum/Infinite or Mastercard World/World Elite card. However, if your score is below 600, you should consider a secured card with a deposit requirement.
    • Strategize your card applications: Each time you apply for a card, the issuer may perform a hard credit pull, which can temporarily and negatively impact your score. These reviews determine your credit history and eligibility, but too many applications at once are flagged as “risky.” Space out your applications for a more favourable credit score and history.
    • Review the card’s minimum-income requirements before applying: Income requirements are often set by the credit card networks (think Visa and Mastercard). For example, Visa Infinite cards require a minimum annual income of $60,000, while the Visa Infinite Privilege requires a minimum of $150,000 for an individual or $200,000 for a household. Failure to meet the income requirements will result in an immediate denial.
    • Review present credit card debts: If you already owe money on one or more credit cards—either over 30% of your total credit limit or more than 40% of your income—banks will be less likely to approve your application. Address your debt first by paying back a significant portion. 
    • Report all of your income: This includes everything from your regular paycheque to side hustles and part-time jobs. Never lie about your income, but do use all of your income to your advantage. Additionally, if you’re part of a household (i.e. you live with a partner), some financial institutions will let you report a total household income instead of your own income alone.
    • Regularly review your credit file: It’s a good idea to pull your full credit report to see what’s factored into your score. These reports are a major factor in how an issuer reviews your eligibility, so if anything appears inaccurate, you may want to address it before applying for a new card.

    MORE ON CANADA’S BEST CREDIT CARDS:

    What does the * mean?

    If a link has an asterisk (*) at the end of it, that means it's an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It's important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it's included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy.

    Источник: https://www.moneysense.ca/spend/credit-cards/best-instant-approval-credit-cards-in-canada/

    Fidelity® Rewards Visa Signature® Card

    We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

    1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

    2.

    Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

    3.

    To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

    4.

    Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

    5. Certain restrictions apply to each benefit. Details accompany new account materials.

    6.

    Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

    7.

    Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

    8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

    The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

    Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

    "Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

    Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

    Google, Google Pay and the Google Logo are trademarks of Google LLC.

    ©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

    © 2021 The Kiplinger Washington Editors. Used under License.

    Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

    The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

    Fidelity® and Elan Financial Services are separate companies.

    Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

    Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

    Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

    Источник: https://www.fidelity.com/cash-management/visa-signature-card

    How credit-building cards work

    Set your credit limit.

    Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.

    An everyday card for your purchases.

    Use your card wherever credit cards are accepted. It works just like a traditional credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card.

    Build your credit.

    We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit.

    Enjoy credit-building benefits

    Your credit score

    View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.2

    Choose your payment due date

    Everyone's schedule is different. So it's handy to be able to pick when your payment is due.3

    24/7 account access

    Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.

    Zero fraud liability

    You are not responsible for unauthorized transactions if your card is ever lost or stolen.4

    Autopay

    Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.

    Fraud protection

    Detects and notifies you of any unusual card activity to help prevent fraud.

    Contactless payments

    Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.

    Mobile wallet

    Add the Secured Visa Card to your digital wallet. Convenient and secure, you can pay with just a tap.

    Looking for a credit card with different benefits?

    Check out our wide range of cards that could fit your needs.

    Frequently asked questions

    The U.S. Bank Secured Visa Card is a secure, convenient payment solution for building or re-establishing credit. Purchases made with the Secured Visa Card are billed each month like any credit card and payments are reported to all credit bureaus to build credit history.

    Customers with low or no credit, who want to build or repair their credit history, can benefit from a Secured Card.

    The security deposit is used to open a U.S. Bank Secured Savings Account to ensure the secured card balance can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as the credit card account remains open and in good standing. The deposit will be returned if the account is upgraded or closed.

    Start of disclosure content

    Disclosures

    Start of disclosure content

      Start of disclosure content

      CC-006 Contactless trademark

      CC-007 Creditor and issuer - Visa

      Источник: https://www.usbank.com/credit-cards/secured-visa-credit-card.html
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