BUT FIRST,
What is a Credit Card?
What is a credit card actually? Credit Cards are basically personal loans with a spending limit that you are allowed to use on a monthly basis providing you pay the borrowed money back. If the money is not paid back, interest will be charged on the outstanding balance.
In some cases, credit cards are required in order to make purchases or use of services such as staying at a hotel. In some cases, credit cards are deliberately taken out by users who wish to reap the benefits attached the using the credit card such as access to airport lounges. In other cases, credit cards are useful in case of emergency.
The more you know about Credit Card Interest, the less you might have to pay. Credit card companies make their money in two ways; the fees they charge sellers and service providers that allow you to pay by credit card and the fees they charge the credit card user in terms of interest. However, Since our main goal here is to help you understand how interest works in an attempt to potentially save yourself from extra fees, let’s focus on interest.
What is Credit Card Interest?
What is credit card interest actually? Interest is paid by the credit card user for the convenience of borrowing money from the respective credit provider. Interest is formally referred to as Annual Percentage Interest (APR).
Credit cards all have various APRs that fluctuate with a selected benchmark which is usually the prime rate. The prime rate is the rate charged to the most credit-worthy customers of commercial banks. For example; if the prime rate is 2% and your credit card provider charges the prime rate plus 8%, then your APR is 10%.
Most Credit card companies only charge interest if the credit card bill is not fully paid every month. The interest is calculated from the outstanding balance and added to your credit card bill. If again the following month your bill is not completely paid then you will be charged interest on your outstanding interest. This way, the cost of using a credit card can accumulate unnecessarily purely from not paying your bill on time.
How Credit Card Interest works:
If you carry a credit card balance, it will multiply every day on a different daily interest rate and be added to your balance. The daily rate is your APR divided by 365.
For example, if you have an APR of 10% then your daily rate is 0.027%:
10365 = 0.027%
If you had an outstanding balance of $100 on day one, then you would incur $0.27 and that would be added to your balance. The extra costs would accumulate by the same amount on a daily basis. If you were not to pay the bill for the whole month, you would end up with $108.10 at the end of the month.
30 x $0.27 = $8,10
$100 +$8,10 = $108,10
In conclusion, the first thing you should know before signing up for a credit card is the interest rate as this is one of the determinants of your APR. Prime rates are usually standardized with commercial banks, however with other institutions are harder to determine beforehand, hence you should always enquire about both the interest and prime rates before signing up for any sort of credit card.
Moreover, in order to mitigate any extra costs, it is vital to pay any credit card bills on time as your APR in simple terms is basically a fine you pay for every day that you are late to pay your credit card bill.
The terms of credit cards vary, but the majority of them contain the same basic features. It's easier to choose the correct credit card and use it sensibly if you understand these basic credit card characteristics.
Certain features are selected based on your individual circumstances, such as your credit rating and your income bracket. Whereas other features are imposed on the user as standard protocol of the credit card issuer such as the grace period and the late payment fees.
Credit Limit
The Credit Limit indicates the maximum amount of money that can be spent on a particular credit card. Credit limits are usually based on the applicant’s income bracket and credit score. The limit of credit placed on a credit card also determines the user’s credit score which is taken into consideration for future credit applications.
Credit Card Balance
The balance of a credit card is the total amount of money owed by you to the issuing credit card company. The balance increases as you spend more money, and the balance decreases as you pay off your credit card bills back to the bank. It is the complete opposite to the balance on your debit card as the balance of your debit card decreases as you spend money, indicating that as you spend you will have less money on your bank account balance. The difference is, that whatever you spend from your debit account, you don’t have to pay back as you would have to from your credit card.
Annual Percentage Interest Rate (APR)
Credit cards all have various APRs that fluctuate with a selected benchmark which is usually the prime rate. The prime rate is the rate charged to the most credit-worthy customers of commercial banks. For example; if the prime rate is 2% and your credit card provider charges the prime rate plus 8%, then your APR is 10%.
Grace Period
The Grace period is a period of the deadline of which an account payment was due giving the payee a second chance to fulfill that payment without any repercussions such as paying late fees, providing that the bill is fulfilled within that grace period.
Rewards and Perks
Rewards and perks are earned by the credit card user spending over a certain amount on their credit card. They are basically designed as an incentive for users to spend more on credit cards. Rewards come in the form of cashback, points to spend in a private webshop or discounts on selected products and services.
Credit Card Fees
Credit Card fees come in several forms that accumulate when you are not paying attention to them. Fees and interest are how credit card companies mainly make their money. Credit card fees include but are not limited to:
- Annual fees
- Interest fees
- Late payment fees
- Foreign transaction fees
- Balance transfer fee
- Cash advance fee
- Over the limit fee
- Returned payment fee
A credit rating is a numerical estimate of a borrower's creditworthiness in general or concerning a specific debt or financial obligation. Any individual or organization seeking to borrow money, whether an individual, a corporation, a state or provincial authority or a sovereign government, can be given a credit rating.
What is Credit rating versus a Credit Score? The two terms are used in a similar context and that is to determine a borrower's level of eligibility for credit. However, they are interpreted in two completely different ways, lets find out..
Credit Rating
Credit Rating is graded on a scale of letters such as A, AA, B, BB, etcetera. A credit rating is used to measure the creditworthiness of medium to large businesses or government entities. Considering that businesses operate in larger scales of money and business book keeping is more complex than that of an individual.
Credit Scores
Credit Rating is graded on a scale of letters such as A, AA, B, BB, etcetera. A credit rating is used to measure the creditworthiness of medium to large businesses or government entities. Considering that businesses operate in larger scales of money and business book keeping is more complex than that of an individual.
Credit card types are selected depending on the user’s specific preference in selecting a credit card, see the guide below to pick the credit card type that suits your needs. So you want to sign up for a credit card, but there are so many credit card types that you don’t know where to begin. Let’s narrow it down for you; below you will find a brief description on each type of credit card that will help you in making your selection.
Standard or Plain Vanilla Credit Card
Because they have no frills or perks, standard credit cards are referred to as "plain-vanilla" credit cards. They're also rather simple to comprehend. If you want a simple credit card and aren't interested in collecting points, this is the card for you.
You can carry a revolving balance on a normal credit card up to a specific credit limit. When you make a purchase, credit is depleted, and once you've completed the payment, new credit is made available. At the end of each month, a finance charge is added to outstanding accounts.

Rewards Credit Card

Rewards Credit Cards give the user rewards for every dollar or respective currency unit they spend. Rewards typically come in the forms of cashback, points to spend in a dedicated webshop or Airmiles. Rewards can usually be redeemed for checks, a statement credit, gift cards, or travel discounts. Most credit card companies lure users with signup rewards or 0% interest rates for the first financial period or incentives when the users reach a certain threshold of spending.
How to compare rewards credit cards:
- Annual Fees
- The higher your rewards, the higher your annual fees are most likely to be. Before you sign up for a rewards credit card, compare your rewards based on your spending per year with the interest rate to establish whether it is worth it or not.
- Interest Rates
- Similar to the approach used by the balance transfer credit card issuers, several companies offer 0% interest for the first year and then charge inflated interest prices for the following year. Check if this works out better for you compared to the rewards you could earn.
- Tiered vs Untiered
- Some cards contain tiers of prizes, while others have a fixed reward structure. For different types of purchases, tiered cards give different levels of incentives. For example, a tiered card can give you three points for every dollar you spend on gas but just one point for every dollar you spend on groceries. Fixed cards, on the other hand, pay the same amount of money no matter where they're used. A set rewards card, for example, might offer 1% or 1.5 percent cash back on all purchases.
Balance Transfer Credit Card
Typically balance transfer credit cards are those which have little to no fees for a specified period of time. The provision of these types of cards allows users to pay their debt off faster to mitigate interest rates that are accumulating on debt held elsewhere. Basically, the debt is transferred from one credit card company to another credit card company where interest is mostly or completely eliminated. However, balance transfers hold a set of conditions under which they can be utilized.
- Debt cannot be transferred from one card to another card that is issued by the same company.
- The debt should be paid off before the 0% interest-free period which will be specified upon the issuing of the card, as these rates skyrocket by unjustifiable rates. On average, the end of 0% period rates jump up by 18-25% interest. This could end up costing even more money than what you initially attempted to save by acquiring the card in the first place.
- You should always pay minimum monthly installments in order to retain your 0% benefit. Not doing so can result in penalization and often companies forfeit the 0% deal and there is no going back once you don’t stick to your end of the bargain.
- Withdrawing cash is more expensive than usual credit cards, hence it is advised to defer from unnecessary expenditure on your balance transfer card.
- In order to utilize the 0% condition, the balance transfer should usually be made within the first 1-3 months, depending on your issuer. Always check the details and adhere to them or it will cost your more money than you intended on saving.

Business Credit Card

Business Cards usually serve the purpose of keeping certain expenses separate from the mass expenditure of either a business or individual. Like the selection of any credit card, you should compare you annual costs of having the credit card with your APR to find the best card to suit your business’ needs.
In addition, several business credit cards offer lounge access in selected airports. If you are a frequent flyer for your business activities, this might be a benefit you’d want to consider to make your business trips more comfortable.
Airline Credit Card
Airline credit cards are designed for frequent flyers, the principle of these cards reward you for traveling as it enables you to save your miles and spend it either on other offers tied to the credit card or to receive a discount when booking your next flight. People who sign up for airline credit cards are those who live and work in a country that is different from their home or international students who live abroad temporarily.
Most Travel Credit Card companies offer benefits like access to lounges, cheaper upgrades on your flights, free checked baggage on flights where they usually cost extra on top of the price of your flight. However, airline credit cards are only worth signing up for if you are loyal to a particular airline. Things to consider when signing up for an airline credit card:
- How frequently do you fly? Are your annual charges worth your while in comparison to the savings you will make as a frequent flyer?
- Does your preferred airline usually charge extra for checked-in baggage and does their credit card offer it for free?
Is the card airline sponsored or bank-sponsored? The reasoning for this is that airline-sponsored cards are to be used for one particular airline and bank-sponsored cards allow you the consumer to choose the airline you wish to fly with.

Gas Credit Card

With some of the top gas credit cards giving 3% to 5% cash back on petrol purchases, you could easily earn $100 or more in rewards just by using the correct card to fuel up. With so many credit cards to choose from in 2021, it can be difficult to figure out which gas credit card is best for you:
- Stick to gas credit cards that are non-branded: Using a credit card associated with a single gas station chain can limit your earning potential. You're better off getting a generic gas card so you can earn points whenever and anywhere you want.
- Choose a gas card that also gives you points in other categories: The best way to get the most value out of your gas credit card is to choose a card that earns rewards in multiple categories. For example, if you pick a card that earns 2X points on gas and groceries, your card becomes exponentially more useful, as you'll earn rewards not only on all your gas purchases but in another major household spending category as well.
- When choosing a gas credit card, keep the following in mind: Instead of cashback, you might prefer a gas card that offers rewards points that you can redeem for travel. Maybe you don't want to pay an annual fee. Whatever your preferences are, you should pick a gas card that fits your lifestyle and spending habits.
The Best Credit Cards in 2021
1. Harbour Freight Credit Card
The Harbor Freight Credit Card is a branded credit card that can be applied for through Harbour Freight and is only used at Harbor Freight locations. Harbor Freight locations can be found by running a Google search using the keywords “harbor freight near me”.
Harbor Freight Credit Card Application Process
The application process for a harbor freight credit card is quite straightforward. In the link below, you can fill out the form and send it to them with the required identity documents. However, before going through the whole process you can run a test on their website to see if you prequalify. When you are ready to go through with the application process, you can download the application by clicking the guide below.

Harbour Freight Credit Card Specs
Credit Card Specification | Harbour Freight Credit Card |
---|---|
CC Issuer | Harbour freight credit card |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | 25.99% |
CC grace period | n/a |
CC rewards and perks | 10% off first purchase 5% cashback on every purchase after the first purchase Or 0% interest on your entire purchase on $299 or more |
Harbour Freight Credit Card Fees
Credit Card Fees | Harbour Freight Credit Card Fees |
---|---|
Set Up Fees | n/a |
Annual Fees | $0 |
Interest fees | Minimum $2 |
2. Burlington Credit Card

The Burlington Credit Card is a branded credit card that can be applied for through Burlington and is only used at Burlington locations. Burlington locations can be found by running a Google search using the keywords “Burlington near me”. For more specific results you could search for Burlington Washington, Burlington WI, or Burlington MA. Or you could use the tool below to help you find the closest Burlington to your location.
Burlington Credit Card Application Process
The Burlington Credit Card Application Process is straightforward. It holds a set of standard requirements that the applicant must fulfill:
Be at the age of majority in your state or territory;
Have a valid government-issued photo ID;
Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Burlington Credit Card login details and how you can make Burlington Credit Card Payments.
Burlington Credit Card Specs
Credit Card Specification | Burlington Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | Above 20% |
CC grace period | 25 days |
CC rewards and perks | 10% off first purchase Each $5 rewards for every 100 points(every $1 spent earns 1 point) Extended receipt free returns on Burlington purchases $5 bonus on all completed layaways |
Recommended credit score | 620-850 |
Burlington Credit Card Fees
Credit Card Fees | Burlington Credit Card |
---|---|
Set Up Fee | n/a |
Annual Fees | 0% |
Interest fees | Minimum, $2 |
Late payment fees: | n/a |
3. Merrick Credit Card
The Merrick Bank Credit Credit Cards are processed by Visa and can be used anywhere that Vida credit cards are accepted. They come in 3 tiers that determine your credit limit. You make your selection based on your predicted expenditure. With all cards you can double your credit limit if you make your minimum monthly payments on time every month for the first 7 months. The three main credit cards include the following:
Platinum Visa Credit Card
Double Your Line Visa Credit Card
Secured Visa Credit Card
Merrick Bank Credit Card Application Process
The Merrick Bank Credit Card Application Process can be completely done online if you have all your personal information at hand. You will need your social security number and your general financial information with a digital copy of a valid identity document. The entire process can be completed online, and once it is completed you will be given a merrick login that can be used to manage your credit card account. However if you wish to do it in person, you can visit one of the merrick bank locations. You can find the closest one by running a google search using the following search words: “merrick bank near me” or if you wish you search for your specific location, for example if you live in New York you could type in “merrick NY locations”.

Merrick Bank Credit Card Specs
Credit Card Specification | Credit Card Specification | Merrick Bank Secured Visa Credit Card | Merrick Bank UnSecured Visa Credit Card |
---|---|---|---|
CC Issuer | Merrick Bank | Merrick Bank | Merrick Bank |
CC Type | Visa | Visa | Visa |
CC Limit | Determined based on your credit score | Determined based on your credit score | Determined based on your credit score |
CC APR | 19.45% to 28.45% *Variable | 17.45% Variable | 20.45%-29.95% Variable |
CC grace period | 25 days | 25 days | 25 days |
CC rewards and perks | Benefits provided by VisaⓇ With all cards you can double your credit limit if you make your minimum monthly payments on time every month for the first 7 months. | Benefits provided by VisaⓇ With all cards you can double your credit limit if you make your minimum monthly payments on time every month for the first 7 months. | Benefits provided by VisaⓇ With all cards you can double your credit limit if you make your minimum monthly payments on time every month for the first 7 months. |
Merrick Bank Credit Card Fees
Credit Card Fees | Double your line Platinum Visa Card | Merrick Bank Secured Visa Credit Card | Merrick Bank UnSecured Visa Credit Card |
---|---|---|---|
Set Up Fee | one-time setup fee of up to $75 | one-time setup fee of up to $75 | one-time setup fee of up to $75 |
Annual Fees | $0-$72 for the first year, and up to $8 per month thereafter. | $36 for the first year and $3 per month thereafter | $36 for the first year. and $3 per month thereafter |
4. Ikea Credit Card

Ikea has two variations of credit cards they offer:
Ikea Projekt Credit Card
The Ikea Project Credit card that offers benefits on large purchases made at Ikea, however is only limited to purchases at Ikea locations as opposed to the Ikea Visa Card. Ikea locations can be found by running a Google search using the keywords “Ikea near me”. For more specific results you could search for Ikea New Portland, Ikea Charlotte, Ikea Denver or Ikea MN. This card offers 4.99% APR financing for 60 months on purchases of $5,000 or more and if it is paid within 24 months, the interest fee is waived.
Ikea Visa Credit Card
The Ikea Visa Credit Card on the other hand can be used at locations where Visa credit cards are accepted. However the rewards offered with this card can only be redeemed on Ikea purchases. As opposed to the Ikea Project Card, The Ikea Visa does not offer special financing for Ikea purchases
Ikea Credit Card Application Process
The Ikea Credit Card Application Process is straightforward. It holds a set of standard requirements that the applicant must fulfill:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Ikea Credit Card login details and how you can make Ikea Credit Card Payments.
Ikea Credit Card Specs
Credit Card Specification | Ikea Projekt Card | Ikea Projekt Card |
---|---|---|
CC Issuer | Comenity Capital Bank | Comenity Capital Bank |
CC Type | Branded credit card | Branded credit card |
CC Limit | Determined based on your credit score | Determined based on your credit score |
CC APR | 21.99% | |
CC grace period | 25 days | |
CC rewards and perks | 0% APR for 6 months on a purchase of $500 or more; or 0% APR for 12 months on a purchase of $1,500 or more; or 0% APR for 24 months on a purchase of $5,000 or more. | 5% back in rewards on IKEA® purchases, including Traemand installation and TaskRabbit assembly services 3% back in rewards on dining, grocery stores and utility purchases 1% back in rewards on all other purchases made with your IKEA® Visa® credit card. |
Ikea Credit Card Specs
Credit Card Fees | Ikea Projekt Card | Ikea Projekt Card |
---|---|---|
Set Up Fees | $0 | $0 |
Annual Fees | $0 | $0 |
Interest fees | Minimum $2 per credit card plan | Minimum $2 per credit card plan |
Late payment fees: | Up to $40 | Up to $40 |
5. Wawa Credit Card
The Wawa Credit Card is a branded credit card that can be applied for through Wawa and is only used at Wawa locations. Wawa locations can be found by running a Google search using the keywords “wawa near me”. You could also search for something like “diesel fuel near me”. The first Wawa was set up in Wawa Pennsylvania which is not to be mistaken for Wawacity in Canada.
Wawa Credit Card Application Process
The Wawa Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.

Wawa Credit Card Specs
Credit Card Specification | Wawa Credit Card |
---|---|
CC Issuer | Comenity Bank |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | 7.99% APR for 48 months, thereafter 29.99% standard purchase APR on purchases of $2,500 or more made with your Floor & Decor Credit Card. |
CC grace period | none |
CC rewards and perks | 6 months promotional financing on purchases of any amount 12 months promotional financing with purchases of $499 or more 48 months promotional financing for purchases $2,500 or more |
Wawa Credit Card Fees
Credit Card Fees | Wawa Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | No Interest if Paid In Full within 6 or 12 months with the Floor & Decor Credit Card |
Late payment fees: | Up to $38 |
6. Floor & Decor

The Floor & Decor Credit Card is a branded credit card that can be applied for through Floors and Decor and only be used at namesake locations. Wawa locations can be found by running a Google search using the keywords “Floor & Decor near me”. You could also search for something like “Floor & Decor hours” if you wish to know their opening times.
Floor & Decor Credit Card Application Process
The Floor & Decor Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Floor and Decor Credit Card login details and how you can make Floor and Decor Credit Card Payments.
Floor & Decor Credit Card Specs
Credit Card Specification | Floor & Decor Credit Card |
---|---|
CC Issuer | Comenity Bank |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | 7.99% APR for 48 months, thereafter 29.99% standard purchase APR on purchases of $2,500 or more made with your Floor & Decor Credit Card. |
CC grace period | none |
CC rewards and perks | 6 months promotional financing on purchases of any amount 12 months promotional financing with purchases of $499 or more 48 months promotional financing for purchases $2,500 or more |
Floor & Decor Credit Card Fees
Credit Card Fees | Floor & Decor Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | No Interest if Paid In Full within 6 or 12 months with the Floor & Decor Credit Card |
Late payment fees: | Up to $38 |
7. King Size Credit Card
The King Size Direct Credit Card is a branded credit card made possible by the Commenity Bank that can be applied for through King Size Direct and is only used at namesake locations and sister brands, namely: Woman Within, Roaman's, Jessica London, Ellos, Brylane Home, Fullbeauty.com, & Swimsuits for All.
King Size Credit Card Application Process
The King Size Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the King Size Credit Card login details and how you can make King Size Credit Card Payments.

King Size Credit Card Specs
Credit Card Specification | King Size Credit Card |
---|---|
CC Issuer | Comenity Bank |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | 26.99% |
CC grace period | none |
CC rewards and perks | Earn Rewards Every Time You Shop $10 Rewards for every 200 points earned at FULLBEAUTY Brands. 1 point earned for every $1 spent with your card. 3 Exclusive Cardmember-Only Customer Service Telephone Number Free Shipping up to 4 Times a Year4 Minimum purchase of $75. A Special Birthday Surprise!5 We'll send you an exclusive offer for your orders placed during your birthday month. Shared Shopping Shop the brands you love with exclusive use at Woman Within, Roaman's, Jessica London, Ellos, KingSize, BrylaneHome, Fullbeauty.com, & Swimsuits for All. |
King Size Credit Card Fees
Credit Card Fees | King Size Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $40 |
8. Venus Credit Card

The Venus Direct Credit Card is a branded credit card made possible by the Commenity Bank that can be applied for through Venus and is only used at namesake locations such as Venus Clothing or Venus Swimwear or any other Venus Store.
Venus Credit Card Application Process
The Venus Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Venus Credit Card login details and how you can make Venus Credit Card Payments.
Venus Credit Card Specs
Credit Card Specification | Venus Credit Card |
---|---|
CC Issuer | Comenity Bank |
CC Type | Branded credit card |
CC Limit | Determined based on your credit score |
CC APR | 24.99% |
CC grace period | 25 days |
CC rewards and perks | Earn $5 in rewards for every $100 spent with the Venus Credit Card $15 birthday gift certificate during your birthday month Special offers, events and promotions for cardholders Hassle free exchanges Convenient online account management $15 off your order once you receive your Venus Card |
Venus Credit Card Fees
Credit Card Fees | Venus Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $40 |
9. Athleta Credit Card
The Athleta Credit Card is a branded credit card made possible by the Synchrony Bank that can be applied for through Athleta and is only used at namesake locations and sister brands, namely: Gap, Banana Republic, Old Navy.
Athleta Credit Card Application Process
The Athleta Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Athleta Credit Card login details and how you can make Athleta Credit Card Payments.

Athleta Credit Card Specs
Credit Card Specification | Athleta Credit Card |
---|---|
CC Issuer | Self Bank |
CC Type | Synchrony Bank |
CC Limit | Determined based on your credit score |
CC APR | 26.49% |
CC grace period | 25 days |
CC rewards and perks | 20% off your first purchase when using it within the first 14 days Fast free shipping on orders over $50 Earn 5 points for very $1 spent |
Athleta Credit Card Fees
Credit Card Fees | Athleta Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | $38 |
10. Self. Visa Credit Card

Self is a credit card company is dedicated to providing tools that help people with no or very low credit rating scores to build or rebuild credit. It is basically called a Credit Building Account, by which users are granted credit builder loans. The unique feature of the Self Card is that the loan taken out with this builder account is that the user does not have access to the money until the entire loan is paid off.
Self. Credit Card Application Process
The Self. Credit Card Application Process is straightforward and convenient. It hold the the standard requisites as other credit card applications such as:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Self. Credit Card login details and how you can make Self. Credit Card Payments.
Self. Credit Card Specs
Credit Card Specification | Self. Credit Card |
---|---|
CC Issuer | Self Bank |
CC Type | Credit Building Credit card |
CC Limit | Determined based on your credit score |
CC APR | 23.99% |
CC grace period | 25 days |
CC rewards and perks | none |
Self. Credit Card Fees
Credit Card Fees | Self. Credit Card |
---|---|
Set Up Fees | $100 |
Annual Fees | $25 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $39 |
11. Marvel Credit Card
The Marvel credit card is a branded credit card issued by Synchrony Bank authorized using a licence through Mastercard International Incorporated. It strives to provide exceptional benefits on engaging experiences. The Marvel credit card provides payment flexibility with cashback rewards and discounts.
Marvel Credit Card Application Process
The Marvel credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Marvel Credit Card login details and how you can make Marvel Credit Card Payments.


Marvel Credit Card Specs
Credit Card Specification | Marvel Credit Card |
---|---|
CC Issuer | Synchrony Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 24.99% |
CC grace period | 23 days |
CC rewards and perks | $25 statement credit after your first purchase 10% off all merchandise purchases at Marvelshop.com everyday Free shipping offers at certains periods of the year |
Marvel Credit Card Specs
Credit Card Fees | Marvel Credit Card |
---|---|
Set Up Fees | $25 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $37 |
12. Rural King Credit Card

The Rural King Harvest Card is the Rural king credit card created with Redstone Federal Credit Union pursuant to the licence of Visa U.S.A. Inc. This credit card aims to provide individuals and small businesses with incredible benefits such as cash-back on all Rural King purchases and extra earnings on gas and groceries.
Rural King Credit Card Application Process
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Rural King Credit Card login details and how you can make Rural King Credit Card Payments.
Rural King Credit Card Specs
Credit Card Specification | Rural King Credit Card |
---|---|
CC Issuer | Redstone Federal Credit Union |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 18.00% |
CC grace period | 25 days |
CC rewards and perks | 5% cash-back on all Rural King purchases 1.5% earnings on gas and groceries purchases 0% intro APR offered from date of transaction on a qualifying purchase of $299.00 Hassle-free returns and exchanges |
Rural King Credit Card Fees
Credit Card Fees | Rural King Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $39 |
13. Hobby Lobby
Hobby Lobby’s ability to provide boundless creative products has surely made many people ask, “Does Hobby Lobby have a credit card?” Well, the company most certainly does! The Hobby Lobby credit card is a rewards card issued by the U.S Bank pursuant to the licence of Visa Inc. and can only be used to purchase items at Hobby Lobby Stores.
Hobby Lobby Credit Card Application Process
The Hobby Lobby Credit Card Application Process is straightforward and convenient. It holds the standard requisites as other credit card applications such as:
Be at the age of majority in your state or territory;
Have a valid government-issued photo ID;
Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Hobby Lobby Credit Card login details and how you can make Hobby Lobby Credit Card Payments.

Hobby Lobby Credit Card Specs
Credit Card Specification | Hobby Lobby Credit Card |
---|---|
CC Issuer | U.S Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 24.24% |
CC grace period | 24 days |
CC rewards and perks | 1,000 bonus points after your first procurement Earn 5 point per eligible net $1 spent Receive $25 Hobby Lobby rewards with every 2,500 points earned Earn 1 point per $1 spent everywhere Visa is accepted |
Hobby Lobby Credit Card Fees
Credit Card Fees | Rural King Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $24 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $38 |
14. Vystar Credit Card

Vystar offers a vast selection of products such as deposit and loan services for consumers, investments, insurance, financial consulting, and retirement planning. Vystar online banking is also another product provided by Vystar allowing customers to make financial transactions, balance checks, and book online tickets at home or in the office. Customers can also set a direct deposit of paychecks to their employers using the Vystar Credit Union routing number - 263079276 and their account number.
Vystar Credit Card Application Process
The Vystar Credit Card Application Process is rather straightforward and holds the standard requirements for signing up to a credit card in the US: The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Vystar Card Credit Card login details and how you can make Vystar Card Payments.
Vystar Credit Card Specs
Credit Card Specification | Visa Signature Rewards | Visa Signature Cash Back | Platinum Visa | Savings Secured Visa |
---|---|---|---|---|
CC Issuer | Vystar Credit Union | Vystar Credit Union | Vystar Credit Union | Vystar Credit Union |
CC Type | Visa | Visa | Visa | Visa |
CC Limit | Determined based on your credit score | Determined based on your credit score | Determined based on your credit score | Determined based on your credit score |
CC APR | 9.50% Variable | 9.50% Variable | 9.10-13.50% Variable | 13.50% Variable |
CC grace period | 25 days | 10 days | 10 days | 10 days |
CC rewards and perks | Benefits provided by VisaⓇ Earn 3x point on gas purchase 2x point on grocery purchases | Benefits provided by VisaⓇ Earn 3% cash back on gas 2% cashback on groceries 1% cash back on all other purchases | Benefits provided by VisaⓇ Low interest rate APR on balance transfers for the first year Set and remove your own travel notices | Benefits provided by VisaⓇ Uses funds from savings account as collateral |
Vystar Credit Card Fees
Credit Card Fees | Visa Signature Rewards | Visa Signature Cash Back | Platinum Visa | Savings Secured Visa |
---|---|---|---|---|
Set Up Fees | $0 | $0 | $0 | $0 |
Annual Fees | $0 | $0 | $0 | $0 |
Interest fees | $0 | $0 | $0 | $0 |
Late payment fees: | Up to $25 | Up to $25 | Up to $25 | Up to $25 |
15. Smile Generation Credit Card
The Smile Generation Financial Credit Card is a branded credit card issued with the Comenity Capital Bank. This credit card allows a customer to get dentist treatment on credit with minimum monthly fees and flexible payment solutions. It can be used with your dental insurance card or on its own.
Smile Generation Credit Card Application Process
The Smile Generation credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Smile Generation login details and how you can make Smile Generation Credit Card Payments.

Smile Generation Credit Card Specs
Credit Card Specification | Smile Generation Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 26.99% |
CC grace period | 25 days |
CC rewards and perks | Toll-free customer assistance Same-day dentistry $0 teledentistry 20%-60% savings on mouth-body connection |
Smile Generation Credit Card Fees
Credit Card Fees | Smile Generation Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $1 |
Late payment fees: | Up to $40 |
16. Coldwater Creek Credit Card
The Coldwater Creek Credit Card is a branded credit card issued by Comenity Bank with a licence pursuant to Mastercard International Incorporated. The Coldwater Creek Credit Card aims for first-rate product service and provides payment flexibility and excellent rewards..
Coldwater Creek Credit Card Application Process
The Coldwater Creek credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Coldwater Creek login details and how you can make Coldwater Creek Credit Card Payments.

Coldwater Creek Credit Card Specs
Credit Card Specification | Coldwater Creek Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 24.99% |
CC grace period | 25 days |
CC rewards and perks | 20% off your first purchase 5 points for every $1 spent on purchases at coldwatercreek.com $10 reward for every 1,000 points $25 off $100 purchase birthday coupon Double points events Free standard shipping events |
Coldwater Creek Credit Card Fees
Credit Card Fees | Coldwater Creek Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $40 |
17. BonTon Credit Card
The BonTon Credit Card is a branded credit card issued by Comenity Bank. This card allows registered BonTon customers to only purchase BonTon products online or at any BonTon store while earning substantial rewards and receiving cash-back with each purchase.
BonTon Credit Card Application Process
The BonTon credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the BonTon login details and how you can make BonTon Credit Card Payments.

BonTon Credit Card Specs
Credit Card Specification | BonTon Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 24.99% |
CC grace period | 25 days |
CC rewards and perks | $20 rewards card with every $200 spent Birthday celebration benefits You can make free purchases at BonTon partners with accumulated points You can withdraw cash at appropriate interest rates |
BonTon Credit Card Fees
Credit Card Fees | BonTon Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $35 |
18. Brylane Credit Card
The Brylane Home Credit Card is a branded credit card issued by the Comenity Bank which can be applied for through the Brylane Home online store and can be used at namesake online stores including: OneStopPlus, Woman Within, Roaman's, Catherine’s, Jessica London, IntimatesForAll, Ellos, FullBeautyOutlet, SwimsuitsForAll, ShoesForAll, & KingSize.
Brylane Credit Card Application Process
The Brylane Home credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Brylane login details and how you can make Brylane Credit Card Payments.

Brylane Credit Card Specs
Credit Card Specification | Brylane Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 26.99% |
CC grace period | 25 days |
CC rewards and perks | $10 rewards for every 200 point earned at FULLBEAUTY Brands 1 point for every $1 spent with your card Free shipping up to 4 times a year with a minimum purchase of $75 Exclusive offers during your birthday month Signup bonus of $20 when you spend $25 |
Brylane Credit Card Fees
Credit Card Fees | BonTon Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $40 |
19. Palais Royal Credit Card
The Palais Royal Credit Card is a branded credit that is issued through the Comenity Bank. It allows customers to make purchases at the online store and provides payment flexibility, significant rewards, and cash-back with each purchase.
Palais Royal Credit Card Application Process
The Palais Royal credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Palais Royal Credit Card login details and how you can make Royal Palais Credit Card Payments.

Palais Royal Credit Card Specs
Credit Card Specification | Palais Royal Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 25.24% |
CC grace period | 25 days |
CC rewards and perks | Sign up welcome voucher worth $5 Shopping pass upon approval for 15% 2 points for every $1 spent with your Palais Royal credit card $5 reward for every 100 points earned Birthday gift of $10-$20 Holiday offer $10 off a purchase of $10 20% off every tuesday for members 40+ |
Palais Royal Credit Card Fees
Credit Card Fees | BonTon Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $38 |
20. Petco Credit Card
The Petco Credit Card is a branded credit card issued by the Comenity bank using a licence pursuant to Mastercard. This card allows you to take advantage of the Petco Black Friday sales and apply for Petco insurance for your pet when you use the Petco adoption service. You can apply for a Petco credit card by doing a Google search “Petco near me” or going on to the Petco website and choosing “Pet Store locator”. The Petco Toledo location may be a great option because they offer a brilliant dog training centre. This credit card allows you to save Pal points and earn Pals cash-back with each purchase.
Petco Credit Card Application Process
The Petco credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Petco Credit Card login details and how you can make Petco Credit Card Payments.

Petco Credit Card Specs
Petco Credit Card Fees
Credit Card Specification | Petco Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 26.49% |
CC grace period | 25 days |
CC rewards and perks | 20% your first purchase 8% back in Pals Rewards at grocery stores $25 Pals Reward when you spend $500 outside of Petco in the first 90 days A birthday gift given during your birthday month Customize your credit card with a picture of your pet |
Credit Card Fees | Petco Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $40 |
21. Sally Beauty Credit Card
The Sally Beauty credit card is a branded credit card issued by the Comenity Bank. It provides customers with the opportunity to earn savings, gifts, and rewards from points. You can apply for this credit card by making a Google search “Sally Beauty Near Me” and finding the nearest in-store location or you can apply online. The Sally Beauty credit card can only be used to purchase products at Sally Beauty stores and rewards are exclusively for cardholders enrolled in the Sally Beauty Rewards program.
Sally Beauty Credit Card Application Process
The Sally Beauty credit card application process can be successfully completed using the synchrony website and creating an account. The process is rather straightforward and holds the standard requirements for signing up to a credit card in the US. The applicant must:
- Be at the age of majority in your state or territory;
- Have a valid government-issued photo ID;
- Have a valid government-issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);
- Have a street, rural route, or APO/FPO mailing address. They do not accept PO Box mailing addresses.
Once the application is completed, a representative will contact you to provide you with information on the Sally Beauty Credit Card login details and how you can make Sally Beauty Credit Card Payments.

Sally Beauty Credit Card Specs
Credit Card Specification | Sally Beauty Credit Card |
---|---|
CC Issuer | Comenity Capital Bank |
CC Type | Branded Credit Card |
CC Limit | Determined based on your credit score |
CC APR | 25.99% |
CC grace period | 25 days |
CC rewards and perks | 20% off your first purchase $10 reward in your birthday month and a surprise gift 2.5 points rewards earned with every $1 spent Anniversary gift on the anniversary of your account opening You can earn $125 in rewards for every $1,000 spent at any Sally Beauty store |
Sally Beauty Credit Card Fees
Credit Card Fees | Sally Beauty Credit Card |
---|---|
Set Up Fees | $0 |
Annual Fees | $0 |
Interest fees | Minimum $2 |
Late payment fees: | Up to $29 |