Personal Credit Cards
| Name/Bank | Credit Score Required | Apply Link | Interest Rate | Other Information |
|---|---|---|---|---|
| Chase Sapphire Preferred | Good to Excellent (690 - 850) | Apply Here | 15.99% - 22.99% Variable | 2X points on travel and dining |
| Capital One Venture Rewards | Excellent (750+) | Apply Here | 17.24% - 24.49% Variable | 2X miles on every purchase |
| American Express Gold | Good to Excellent (670 - 850) | Apply Here | 16.99% - 23.99% Variable | 4X points at restaurants, 3X points on flights |
| Bank of America® Travel Rewards Credit Card | Good to Excellent (670 - 850) | Apply Here | 16.24% - 24.24% Variable | 1.5 points per dollar on all purchases |
| Discover it® Cash Back | Good to Excellent (690 - 850) | Apply Here | 11.99% - 22.99% Variable | 5% cash back on rotating categories |
| Citi® Double Cash Card | Good to Excellent (670 - 850) | Apply Here | 13.99% - 23.99% Variable | 2% cash back on all purchases (1% when you buy and 1% as you pay) |
| Wells Fargo Active Cash® Card | Good to Excellent (670 - 850) | Apply Here | 14.99% - 24.99% Variable | Unlimited 2% cash rewards on purchases |
| U.S. Bank Visa® Platinum Card | Good to Excellent (670 - 850) | Apply Here | 14.49% - 24.49% Variable | 0% intro APR on purchases and balance transfers for 20 billing cycles |
| Blue Cash Preferred® Card from American Express | Good to Excellent (670 - 850) | Apply Here | 13.99% - 23.99% Variable | 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases |
| Chase Freedom Unlimited® | Good to Excellent (690 - 850) | Apply Here | 14.99% - 23.74% Variable | 5% on travel purchased through Chase, 3% on dining and drugstores |
| Capital One Quicksilver Cash Rewards Credit Card | Good to Excellent (670 - 850) | Apply Here | 15.49% - 25.49% Variable | 1.5% cash back on every purchase |
| Bank of America® Customized Cash Rewards Credit Card | Good to Excellent (670 - 850) | Apply Here | 13.99% - 23.99% Variable | 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs |
| Discover it® Student Cash Back | Fair (630 - 689) | Apply Here | 12.99% - 21.99% Variable | 5% cash back on rotating categories |
| Citi Premier® Card | Good to Excellent (670 - 850) | Apply Here | 15.99% - 23.99% Variable | 3X points on air travel and hotels |
| Wells Fargo Platinum Card | Good to Excellent (670 - 850) | Apply Here | 14.49% - 24.49% Variable | 0% intro APR on purchases and balance transfers for 18 months |
| U.S. Bank Cash+® Visa Signature® Card | Good to Excellent (670 - 850) | Apply Here | 14.99% - 24.99% Variable | 5% cash back on your first $2,000 in combined eligible purchases each quarter |
| American Express® Green Card | Good to Excellent (670 - 850) | Apply Here | 16.99% - 23.99% Variable | 3X points on travel, including transit |
| Chase Slate Edge℠ | Fair to Good (630 - 689) | Apply Here | 14.99% - 23.74% Variable | 0% intro APR for 12 months on purchases and balance transfers |
| Capital One SavorOne Cash Rewards Credit Card | Good to Excellent (670 - 850) | Apply Here | 15.49% - 25.49% Variable | 3% cash back on dining, entertainment, popular streaming services, and at grocery stores |
| Bank of America® Premium Rewards® Credit Card | Good to Excellent (670 - 850) | Apply Here | 15.99% - 22.99% Variable | 2X points on travel and dining |
| Discover it® Secured Credit Card | Bad to Fair (300 - 689) | Apply Here | 22.99% Variable | 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter |
| Citi® Diamond Preferred® Card | Good to Excellent (670 - 850) | Apply Here | 13.74% - 23.74% Variable | 0% intro APR on balance transfers for 21 months |
| Wells Fargo Cash Wise Visa® Card | Good to Excellent (670 - 850) | Apply Here | 14.99% - 24.99% Variable | 1.5% cash back on all purchases |
| U.S. Bank Altitude® Reserve Visa Infinite® Card | Excellent (750+) | Apply Here | 16.99% - 23.99% Variable | 3X points on travel and mobile wallet purchases |
| American Express® Blue Business Cash Card | Good to Excellent (670 - 850) | Apply Here | 13.24% - 21.24% Variable | 2% cash back on all eligible purchases up to $50,000 per calendar year |
| Chase Freedom Flex℠ | Good to Excellent (690 - 850) | Apply Here | 14.99% - 23.74% Variable | 5% on rotating categories |
| Capital One Spark Cash for Business | Excellent (750+) | Apply Here | 17.99% - 25.99% Variable | 2% cash back on every purchase |
| Bank of America® Unlimited Cash Rewards Credit Card | Good to Excellent (670 - 850) | Apply Here | 14.99% - 24.99% Variable | Unlimited 1.5% cash back on all purchases |
| Discover it® Balance Transfer | Good to Excellent (670 - 850) | Apply Here | 11.99% - 22.99% Variable | 5% cash back on rotating categories |
| Citi Rewards+℠ Card | Good to Excellent (670 - 850) | Apply Here | 13.49% - 23.49% Variable | 2X points at supermarkets and gas stations |
| Wells Fargo Propel American Express® Card | Good to Excellent (670 - 850) | Apply Here | 14.49% - 24.99% Variable | 3X points on dining, travel, gas stations, rideshares, and transit |
| U.S. Bank FlexPerks® Gold American Express® Card | Good to Excellent (670 - 850) | Apply Here | 15.99% - 24.99% Variable | 3X points on restaurants |
| American Express Blue Business® Plus Credit Card | Good to Excellent (670 - 850) | Apply Here | 13.24% - 21.24% Variable | 2X points on the first $50,000 in purchases per year |
Business Credit Cards
| Credit Card | Website | Annual Fee | APR | Additional Fees | Credit Bureaus Checked | Minimum Credit Score Needed |
|---|---|---|---|---|---|---|
| Chase Ink Business Preferred | Website | $95 | 15.99% - 20.99% Variable | Balance transfer fee: 5% | Experian, Equifax | 680 |
| American Express Business Gold Card | Website | $295 | 14.24% - 22.24% Variable | Late payment fee: Up to $39 | Experian, Equifax | 700 |
| Capital One Spark Cash for Business | Website | $0 intro for first year; $95 after that | 18.49% Variable | None | Experian, Equifax, TransUnion | 670 |
| Bank of America Business Advantage Cash Rewards | Website | $0 | 14.24% - 24.24% Variable | Balance transfer fee: 4% | Experian, Equifax | 700 |
| Wells Fargo Business Platinum Credit Card | Website | $0 | Prime + 7.99% - 17.99% | None | Experian, Equifax | 680 |
| U.S. Bank Business Cash Rewards World Elite Mastercard | Website | $0 | 13.99% - 22.99% Variable | None | Experian, Equifax | 700 |
| Citibank CitiBusiness AAdvantage Platinum Select | Website | $99, waived for first 12 months | 18.24% - 27.24% Variable | Late payment fee: Up to $39 | Experian, Equifax | 700 |
| Discover it Business Card | Website | $0 | 11.99% - 22.99% Variable | None | Experian, Equifax | 670 |
| Brex Card for Startups | Website | $0 | None | None (Brex evaluates based on business financials) | N/A | |
| Stripe Corporate Card | Website | $0 | None | None (Stripe evaluates based on business financials) | N/A | |
| American Express Blue Business Cash™ Card | Website | $0 | 13.24% - 19.24% Variable | None | Experian, Equifax | 670 |
| Capital One Spark Miles for Business | Website | $0 intro for first year; $95 after that | 18.49% Variable | None | Experian, Equifax, TransUnion | 670 |
| Bank of America Business Advantage Travel Rewards | Website | $0 | 14.24% - 24.24% Variable | Balance transfer fee: 4% | Experian, Equifax | 700 |
| Wells Fargo Business Secured Credit Card | Website | $25 | Prime + 11.90% | None | Experian, Equifax | 580 |
| U.S. Bank Triple Cash Rewards Visa® Business Card | Website | $0 | 13.99% - 22.99% Variable | None | Experian, Equifax | 700 |
| American Express Business Platinum Card® | Website | $595 | 14.24% - 22.24% Variable | Late payment fee: Up to $39 | Experian, Equifax | 700 |
| Capital One Spark Classic for Business | Website | $0 | 26.99% Variable | None | Experian, Equifax, TransUnion | 580 |
| Bank of America® Business Advantage Unlimited Cash Rewards | Website | $0 | 14.24% - 24.24% Variable | Balance transfer fee: 4% | Experian, Equifax | 700 |
| Wells Fargo Business Elite Signature Card | Website | $0 first year; $125 thereafter | Prime + 5.99% - 10.99% | None | Experian, Equifax | 700 |
| U.S. Bank Business Platinum Card | Website | $0 | 11.99% - 19.99% Variable | None | Experian, Equifax | 700 |
| American Express Blue Business® Plus Credit Card | Website | $0 | 13.24% - 19.24% Variable | None | Experian, Equifax | 670 |
| Capital One Spark Cash Select for Business | Website | $0 | 13.99% - 23.99% Variable | None | Experian, Equifax, TransUnion | 670 |
| Bank of America® Business Advantage Customized Cash Rewards | Website | $0 | 14.24% - 24.24% Variable | Balance transfer fee: 4% | Experian, Equifax | 700 |
| Wells Fargo Business Platinum Card | Website | $0 | Prime + 7.99% - 17.99% | None | Experian, Equifax | 680 |
| U.S. Bank Business Leverage® Visa Signature® Card | Website | $0 intro for the first year; $95 thereafter | 13.99% - 22.99% Variable | None | Experian, Equifax | 700 |
Consumer Financing
| Financing Option | Website | Discount Percentage Payouts | Term Lengths Available | Minimum Credit Score to Qualify | Loan Amounts Offered | Other Important Features |
|---|---|---|---|---|---|---|
| Affirm | https://www.affirm.com/ | 3% - 6% | 3, 6, 12 months | 550 | $50 - $17,500 | No hidden fees, soft credit check |
| Afterpay | https://www.afterpay.com/ | 4% - 6% | 6 weeks (4 installments) | No minimum credit score | $35 - $1,500 | Interest-free, automatic payments |
| Klarna | https://www.klarna.com/ | 3% - 7% | 30 days, 6, 12 months | 600 | $35 - $10,000 | Pay later options, soft credit check |
| PayPal Credit | https://www.paypal.com/us/webapps/mpp/paypal-credit | 2.9% + $0.30 per transaction | 6, 12 months | 650 | $250 - $10,000 | No annual fee, easy integration |
| GreenSky | https://www.greensky.com/ | 6% - 8% | 6, 12, 24 months | 650 | $1,000 - $55,000 | Longer terms, higher loan amounts |
| Blispay | https://www.blispay.com/ | 2% - 7% | 6 months | 640 | $199 - $10,000 | No payments, no interest for 6 months |
| Sezzle | https://www.sezzle.com/ | 6% | 6 weeks (4 installments) | No minimum credit score | $35 - $1,500 | Interest-free, soft credit check |
| Bread | https://www.getbread.com/ | 5% - 7% | 6, 12, 24 months | 600 | $500 - $25,000 | Flexible terms, soft credit check |
| Splitit | https://www.splitit.com/ | 1.5% - 3% | 3, 6, 12 months | 650 | $250 - $20,000 | Uses existing credit, no interest |
Business Capital
| Capital Provider | Website | Term Lengths | Minimum Credit Score | Loan Amounts | Important Features |
|---|---|---|---|---|---|
| BlueVine | https://www.bluevine.com/ | 6 to 12 months | 600 | Up to $250,000 | Lines of credit and invoice factoring options available |
| Kabbage | https://www.kabbage.com/ | 6, 12, 18 months | 640 | Up to $250,000 | Flexible line of credit with no hidden fees |
| Fundbox | https://fundbox.com/ | 12 to 24 weeks | 600 | Up to $150,000 | Quick approval process with no minimum annual revenue |
| Lendio | https://www.lendio.com/ | 3 to 24 months | 550 | $500 to $5 million | Marketplace with multiple funding options |
| OnDeck | https://www.ondeck.com/ | 3 to 36 months | 600 | $5,000 to $500,000 | Daily or weekly repayment options |
| Funding Circle | https://www.fundingcircle.com/ | 6 months to 5 years | 620 | $25,000 to $500,000 | No prepayment penalties |
| National Funding | https://www.nationalfunding.com/ | 3 months to 5 years | 500 | $5,000 to $500,000 | Early payoff discounts available |
| Rapid Finance | https://www.rapidfinance.com/ | 3 to 60 months | 550 | $5,000 to $1 million | Customizable financing solutions |
| Credibly | https://www.credibly.com/ | 6 to 24 months | 500 | $5,000 to $400,000 | Variety of loan products available |
| Square Capital | https://squareup.com/us/en/capital | Flexible | No minimum | Up to $250,000 | Repayment based on daily sales |
Commercial Insurance
| Insurance Provider | Website | Term Lengths | Minimum Credit Score | Important Features |
|---|---|---|---|---|
| Hiscox | https://www.hiscox.com/ | Monthly, Annual | No minimum credit score | Customizable policies, Online quotes, Claims handled by dedicated agents |
| Next Insurance | https://www.nextinsurance.com/ | Monthly, Annual | No minimum credit score | Instant online quotes, Flexible payment options, Tailored policies for small businesses |
| Chubb | https://www.chubb.com/ | Annual | No minimum credit score | Comprehensive coverage options, Worldwide coverage, Risk engineering services |
| Travelers | https://www.travelers.com/ | Annual | No minimum credit score | Wide range of coverage options, Industry-specific policies, Strong financial stability |
| Liberty Mutual | https://www.libertymutual.com/ | Annual | No minimum credit score | Customizable business insurance solutions, Risk control services, Online resources |
| Nationwide | https://www.nationwide.com/ | Annual | No minimum credit score | Business owner’s policy (BOP), Liability, Property, and Workers' comp insurance |
| Hartford | https://www.thehartford.com/ | Annual | No minimum credit score | Specialized coverage for different industries, Risk engineering services, Employee benefits |
| Geico | https://www.geico.com/ | Annual | No minimum credit score | Competitive rates, Quick online quotes, Various business insurance options |
| Allstate | https://www.allstate.com/ | Annual | No minimum credit score | Customizable coverage, Discounts for bundling policies, Strong financial backing |
| Progressive | https://www.progressivecommercial.com/ | Annual | No minimum credit score | Commercial auto, Liability, Workers' comp, Business owner’s policies |
Build Business Credit
| Company/Option | Website | Pricing | Important Features |
|---|---|---|---|
| Dun & Bradstreet | https://www.dnb.com/ | Varies (Free basic report, paid services start at $399/year) | Credit building, business credit reports, D-U-N-S Number |
| Nav | https://www.nav.com/ | Free & Paid Plans ($29.99 to $49.99/month) | Business credit reports, credit monitoring, personalized financing options |
| CreditSuite | https://www.creditsuite.com/ | Custom pricing (typically starts around $2,997) | Business credit building, funding programs, credit monitoring |
| Fundbox | https://www.fundbox.com/ | No subscription fee, interest on borrowed funds | Business lines of credit, fast approval, easy integration with accounting software |
| Divvy | https://getdivvy.com/ | Free | Expense management, business credit card, credit building |
| Brex | https://www.brex.com/ | Free | Corporate cards, expense management, rewards program |
| eCredable | https://www.ecredable.com/ | $9.95/month | Business credit reports, credit monitoring, build credit using utility payments |
| Business Credit Builder | https://businesscreditbuilders.org/ | Custom pricing (typically starts around $997) | Business credit building, funding programs, coaching services |
| Capital One Spark Classic for Business | https://www.capitalone.com/small-business/credit-cards/spark-classic/ | No annual fee | Credit building, unlimited 1% cash back, no annual fee |
| Uline | https://www.uline.com/ | Cost of goods purchased | Net 30 terms, builds business credit, large selection of products |
| Quill | https://www.quill.com/ | Cost of goods purchased | Net 30 terms, builds business credit, office supplies |
| Grainger | https://www.grainger.com/ | Cost of goods purchased | Net 30 terms, builds business credit, industrial supplies |
Personal Loans
| Funding Option | Website | Term Lengths | Minimum Credit Score | Credit Bureau | Important Features |
|---|---|---|---|---|---|
| SoFi | https://www.sofi.com/ | 2-7 years | 680 | Experian | No fees, unemployment protection |
| Marcus by Goldman Sachs | https://www.marcus.com/ | 3-6 years | 660 | TransUnion | No fees, on-time payment reward |
| LightStream | https://www.lightstream.com/ | 2-12 years | 660 | Equifax | Low rates for good credit, rate beat program |
| Upstart | https://www.upstart.com/ | 3-5 years | 620 | Experian | Considers education and employment |
| Avant | https://www.avant.com/ | 2-5 years | 580 | TransUnion | Fast funding, flexible terms |
| Prosper | https://www.prosper.com/ | 3-5 years | 640 | Experian | Peer-to-peer lending, joint applications |
| Best Egg | https://www.bestegg.com/ | 3-5 years | 640 | Experian | Low APR for good credit, fast approval |
| Discover Personal Loans | https://www.discover.com/personal-loans/ | 3-7 years | 660 | Experian | No fees, 30-day money-back guarantee |
| LendingClub | https://www.lendingclub.com/ | 3-5 years | 600 | TransUnion | Peer-to-peer lending, joint applications |
| OneMain Financial | https://www.onemainfinancial.com/ | 2-5 years | No minimum | Experian | Accepts poor credit, fast funding |
| Earnest | https://www.earnest.com/ | 3-5 years | 680 | Experian | No fees, custom term lengths |