Top Rated Credit Cards for 2022

Additional Info

• Intro APR (Purchases): N/A
• Intro APR (Transfers): N/A
• Regular APR: 28.24% (Variable Rates)
• Annual Fee: $0 ($25 Annual Fee after the first year.)^
• Recommended Credit Score: No Credit, New to Credit, Limited Credit, Bad, Poor
• Rewards: N/A
• Cash Advance APR: N/A
• Cash Advance Fee: N/A
• Cash Grade Period: N/A
• Late Payment Fee: $15
• Overlimit Fee: N/A
• Return Check Fee: $15
• Foreign Transaction Fee: N/A
• Balance Transfer Fee: N/A

¹ The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.

Additional Info

• Rewards Rate: Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
• Credit Line: Up to $1,000 credit limit subject to credit approval
• Annual Fee: As low as $99
• Regular APR: 36% Fixed
• Credit Recommended: Fair/Poor
• Card Brand: Visa®
• Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
• Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee: 3% of the amount of each transfer

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Additional Info

¹ Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

* Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

Additional Info

Why Ava, you ask?

Quick Results: 74% of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+ point boost in three months!

Easy Setup: You’ll be up and running in less time than it takes to make a cup of coffee – less than 5 minutes!.

Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history.

Included in our simple pricing are:

CREDIT BUILDER CARD:

Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours.

SECURED CREDIT BUILDING ACCOUNT:

The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 – 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan!

MONTHLY FREE CREDIT REPORT

Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.

DEDICATED CUSTOMER SUPPORT

Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com.

Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we’ve got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away.

Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated

Additional Info

• Products Offered: Mobile Banking & Visa Credit Card
• Brand Name: Visa®
• Credit Check: No
• Regular APR: 0.00%

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Additional Info

Sign up for Kikoff Credit Service.

Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate.

Make your first payment.

Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus. This account stays open as long as your Kikoff account is active.

Open your Credit Builder Loan.

After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.

Additional Info

WHY WE’RE HERE

We’re not your typical financial Institution. Our biggest goal is to see you financially free.

So, we’ll never charge you annoyingly high fees. Instead, we can give you a swiss army knife of money tools, plus immediate cash advances by leveraging your most valuable asset -– your data.

By transparently leveraging your approved data, we can provide low to no fee financial products and services to save you time and money.

YOUR DATA IS SAFE WITH US

Your data is always anonymized (we’ll never know who you are) and securely stored using 256-bit encryption (we’re talking military-grade, bank-level technology here). When you opt-in to our Truth in Data agreement, you’ll unlock all the Klover app perks –– like cash advances, budgeting tools, sweepstakes –– without any credit checks, late fees or interest charges. Nothing. Nada. Zilch.

Klover does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned.

Additional Info

• Credit Limit: $700
• Regular APR: See terms
• Annual Fee: See terms
• Credit Recommended: Poor to Good
• Brand Name: Mastercard
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars.

Additional Info

• Primary Benefit: Build and grow credit – up to $2,500 over time
• Rewards Rate: 1% cashback
• Credit Limit: Up to $200 starting limit
• Regular APR: 16% Variable
• Annual Fee: $36* (*discounted in Year 1 for starting credit lines under $200)
• Credit Recommended: All Credit Types Accepted
• Checking Account Required: Yes
• Card Brand: Mastercard®
• Late Payment Fee: Up to $8
• Return Payment Fee: $0

Additional Info

• Annual Fee: $39
• Purchase APR: N/A
• Regular Purchase APR: 21.96% -29.99%
• Intro Balance Transfer APR: NA
• Cash Advance APR: NA
• Cash Advance FEE: NA
• Late Fee: $0
• Penalty APR: NA
• Balance Transfer APR: 21.96% -29.99%
• Balance Transfer Fee: Up to 5%
• Foreign Transaction Fee: Up to 3%
• Visa’s Zero Liability Policy: Yes
• Return Payment Fee: $0
• Welcome Bonus: $200*