A starter rewards card from American Express with no annual fee (see rates and fees ) Capital One Quicksilver Cash Rewards Credit Card. Enter Your Email Address Notify Me. We are doing a review of the ABOC Credit Card. Capital One SavorOne Cash Rewards Credit Card. So they are probably in the process of reviewing your file. This offer is targeted for people who will use this card for personal use with an excellent credit history. CreditCards. com and find your perfect credit card today. The banks said that after the deal closes, the combined company will have approximately $7. Questions? We are here to help you! Contact Us. LaSalle, Chicago, Il 60602. Sign. Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months. The ABOC Platinum Rewards Mastercard ® is a good rewards card for people with excellent credit (a FICO score of 720 or above) that want to earn bonus rewards without having to pay an annual fee or foreign transaction fees. Rates and fees. 5. m. This new cash back card makes a case to be in your wallet. To make the most of this card, you need to travel relatively frequently. com’s reviews can help you simplify. The “no-fee” Petal 2 credit card has no annual fees, foreign transaction fees, late fees or returned payment fees, and the. 312-822-3000. The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. Savings Accounts. Best card for travel rewards. Remember to provide your full name and zip code within your mail! But keep in mind, that the application process for the ABOC Platinum credit card can take up to 14 business days. If you spend $3,000 on your credit cards like the typical Wall Street Journal reader, you could enjoy at least two free nights each year. Compare. Types of Credit; Credit Cards; ABOC Platinum Rewards Card;To evaluate each need, WalletHub uses 21 key metrics grouped into three major components: Editor’s Rating, User Reviews and Market Comparison. If you pay on time and spend at least $500 Chase will automatically review your Slate Edge account after six months for a higher credit limit. Credit Card Review; Credit Cards; Credit Cards; Credit Cards Rewards; Credit Monitoring Sites; Credit Repair; Credit Reports; Credit Scores; Credit Tips;Lost or Stolen Card (24 hours / 7 days a week) 800-500-1044: Consumer Online Banking / Password Resets (24 hours / 7 days a week) 800-662-0860 (option 2) Fraud Help Line: 800-662-0860: Consumer Credit Card Support: 888-295-5540: Business Credit Card Support: 800-819-4249: Political Banking: 202-721-0770: Commercial and Organization Banking. The biggest perk of the Costco Anywhere Visa Card card is the rewards you’ll earn on many practical purchases. The Union Strong credit card has an 0% APR deal on balance transfers for first 18 billing cycles. View all credit card offers on credit. Member FDIC. 9 out of 5 stars 7 ratings. While Credit. Once you click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the terms and conditions before applying. In this video we take a look at a new 5% cash back credit card. For instance, paying off a $3,000 balance in 21 months with a $150 monthly payment using the Diamond Preferred card would add an extra $150 due to the 5 percent balance transfer fee. Internet Explorer 11 is outdated. Our innovative app is packed full of useful features: • Automated activation of cashback offers and rewards from American Express (AMEX) Offers, BankAmeriDeals, Citi Merchant Offers, Chase Offers, and more. If you want to report a concern regarding ethical business conduct, please send an email with your comments to EthicsReport@aboc. ? Stay in control with real-time alerts and. How It Works; Pricing; Education; Community; Support;. With its 5X multipliers and rotating bonuses, the ABOC Platinum Rewards credit card can be a really useful asset. The ABOC Union Strong has a low interest rate, a low annual fee, and no redemption value compared to similar cards. ★★★★★ 2. Get $150 as a statement credit after you put $1,200 worth of expenses on the card in the first three months Each quarter, ABOC Platinum Rewards Mastercard® offers 5x points on certain purchases on a rotating basis, like bills, travel and dining; this additional perk applies only to the first $1,500 each quarter, but that can easily add up If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. ABOC Platinum Rewards Mastercard: ANB Bank Amarillo Visa Classic Secured Card: Rating: Issuer: Amalgamated Bank of Chicago: ANB Bank Amarillo: Card Type: Consumer: Consumer: Rewards: 1 Points / $1 spent. This card is a Mastercard issued by the Amalgamated Bank of Chicago (ABoC), a 100+ year-old commercial bank. ABOC now has more than 900 unions as customers, total assets of $950 million and loans of $519 million. 9 out of 5 stars 7 ratings. Earn at least 2x miles on every purchase with the Capital One Venture Rewards Credit Card. Learn more. NerdWallet Compare, Inc. Checking; Savings; Money Market; CDs; Lending Products. Special Offer: None: Credit Score: 300 - 689 : 690 - 719 : Line of Credit: $500 - $10,000 : $500 - $50,000 :. Annual fee. The Fidelity Rewards Visa Signature Card gives you two points for every dollar spent, which amounts to 2% cash back. 90% – 22. The median wage for opticians was $38,350 in the same year. You may not want to use this card for purchases you can’t immediately pay off, since the APR is also relatively steep. Featured By. You can even earn 5x rewards in common spending categories such as dining, groceries, travel, and automotive! Hard vs Soft Credit Checks. com. $0 (see rates and fees) Sign-up bonus. com shows you the top credit card offers online. We would like to show you a description here but the site won’t allow us. Sign-up bonus: Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. – ABOC Platinum Rewards MasterCard – ABOC Platinum Rewards MasterCard: Ako ste na tržištu za nagradnu kreditnu karticu ili 0 % uvodne APR kreditne kartice, možda ste propustili ABOC Platinum Rewards Mastercard ®, međutim, nudi vam mnogo pogodnosti. For instance, paying off a $3,000 balance in 21 months with a $150 monthly payment using the Diamond Preferred card would add an extra $150 due to the 5 percent balance transfer fee. We are doing a review of the ABOC Credit Card. ABOC Platinum Rewards Mastercard: Rating: Issuer: Abbott Laboratories Employees Credit Union: Amalgamated Bank of Chicago: Card Type: Consumer: Consumer: Rewards: 0 None / $1 spent. $95. Search. S. Questions. Read our review today. Anyone have any experience or tips with this points system?Amalgamated Bank of Chicago’s most popular checking account type – the best fit for businesses or unions who have significant monthly check and deposit activity; No complimentary check, deposit, or ACH transactions per month; however, some per-transaction fees are discounted relative to Basic and Plus; Eligible for earnings creditPDF Version. Tlhahiso ea Nako e le 'Ngoe ea ABOC Platinum Mastercard. 4 / 5. , Dec. Sign. Floating market rate paid quarterly. 5/5. Until November 1991, the bank was known as Amalgamated Trust & Savings Bank. Excellent. 90% to 22. com shows you the top credit card offers online. 74% to 25. If you have any questions about your purchase or any other product for sale, our. It's OK, I use it for acquiring points for hotels and travel. $550. Rewards Rate. Credit Cards Minimum Spend Requirements. We would like to show you a description here but the site won’t allow us. WalletHub Rating. com shows you the top credit card offers online. From now on, the cards will earn just 1 point per $1 on all purchases. 5% or 2% back, depending on your eligibility for the credit union's Honors Advantage program. Best Buy Credit Card. Questions. ABOC Platinum Rewards Mastercard Review While there are several major credit card issuers that offer cards that feature 5x rewards, perhaps you haven't heard of the ABOC Platinum Rewards Mastercard®. ABOC Platinum verðlaun MasterCard notkun handbók og endurskoðun kreditkorta. This new cash back card makes a case to be in your wallet. The bottom line: When you consider the rewards, the lack of an annual fee and the opportunity for an upgrade, this is the best secured credit card we've seen. APY. Manage your union’s finances from anywhere. ABOC cards 2020. Our picks for the 16 best credit card in Canada. With a 5% fee, it would cost $250. We are always looking for talented professionals, and would be happy to review your credentials. ABOC (Amalgamated Bank of Chicago) Platinum Rewards Credit Card Review 2021. The ABOC Platinum Rewards Mastercard offered by Amalgamated Bank of Chicago of Chicago, IL is an excellent credit card with a rating of 4/5. Credit Card: 1-800-883-0131; Call Us: Visit Us: Email Us: Follow Us: Expand toolbar. Although not explicitly tracked, opticians who seek certification are more likely to earn higher salaries and be at the higher end of the scale. Send me exclusive sales. Download the app today on your mobile device, and take ABOC Express with you wherever you go! Available to all ABOC Express online banking customers. 2023's Best Mortgage Lender near Chicago, IL. You may call PSI at (833) 333-4751 or use the PSI Website. Chase credit card reviews are mostly positive, with two-thirds of the user ratings on WalletHub giving Chase credit cards either four or five stars. Bad. 0. We’ll notify you when it’s back in stock. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard International, Inc. 3. Get a $150 cash bonus, 5% cash back, and 0% APRs. 25% (V), based on. Credit Card | Fjármál. Our experienced team works with you to provide a flexible set of options, approaching each investment with discipline and integrity. Loading, Please wait. Internet Explorer 11 is outdated. N/A. ABOC Platinum Rewards Card. ? View your purchase details with detailed merchant name, exact location on a map and store information. 74% APR depending on your credit worthiness. The Bank of America® Premium Rewards® credit card also has some great promotional offers. com Fax 312/541-6048 AMALGAMATEDi Bank of Chicagofi 30 N. Advantages of the Blue Cash Preferred card. Learn about the best credit card features. The Indigo Credit Card is a pretty good unsecured credit card for people with bad credit, offering a $300+ credit limit with no security deposit needed. The Chase Freedom meets or beats the ABOC Platinum Rewards in almost every regard, with a better intro APR, more robust welcome bonus and more bonus categories. 9 Update: 2023 Q4 (Oct. Online. 3. Theo Frank, WalletHub Credit Card Analyst . Info about the BankAmericard® Secured Credit Card has been collected by WalletHub to help consumers better compare cards. Online. com always strives to present the. By Victoria Akpan TMLT Desember 4, 2020 Kann 9,. According to FICO, that translates into a score of 670 or better. OPEN BANK ACCOUNT. Delta SkyMiles ® Reserve American Express Card. Some prepaid credit cards can also help you build credit. Create, edit, and share aboc credit card platinum from your iOS smartphone with the pdfFiller mobile app. No annual fee. Citi. APR: 25. Amalgamated Bank of Chicago (ABOC) offers a suite of digital tools to make your business’s banking easier. Pay your Amalgamated Bank of Chicago bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. Some cards are Credit Cards Explained's partners. These offers can help build or rebuild a low credit score when you make on time payments and keep your balance low relative to the credit limit. • Money: “MaxRewards shows you which of your credit cards to use at which businesses to get the most cash back. ABOC Moves Credit Card Books on TCM Bank, Hacks. Still, it's worth considering if you have fair credit and you like to shop at JCPenney. 99% as of Nov 2023. Certificate of Deposit. It’s actually quite a nice offer coming from a card where all you need is Average credit or better. 2019. ABOC Platinum Rewards Credit Card; Options. . 5 points / $1 and 0% for 24 months on Best Buy purchases. As of July 1, 2019, your Amalgamated Bank of Chicago Mastercard has no foreign transaction fees! Vote Up 0 Vote Down Reply. No interest on purchases when you pay in full and on time each month. Amalgamated Bank of Chicago (ABOC) is a trusted, full-service banking partner that is built on relationships. You may take advantage of a free trial and select a subscription that meets your needs. 4. S. It grants flexibility in earning rewards, redeeming them, and in cutting costs via no foreign transaction fees and no annual fee. 3/5 for Cost, and 3. Cardholders also earn 5%. Offer Summary: ABOC Platinum Rewards Credit Card from Amalgamated Bank of Chicago is for people who want flexible reward redemption options, based on the card member's needs. EVERYTHING SHIPS FREE. We meet a wide variety of commercial and consumer banking needs with a full range of products and services - including loans, checking and savings accounts, credit cards, cash management and trust services. The Platinum Rewards credit card currently charges an APR of 12. 10 Best 0% APR Credit Cards for Long Intro Periods in November 2023 Best Credit Card Sign-Up Bonuses in 2023 Best Credit Cards for Excellent Credit in 2023. See moreDetailed review: ABOC Platinum Rewards Mastercard® Credit Card » This card is no longer available ABOC stopped accepting applications for this card in 2021. The ABOC Platinum Rewards card offers 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12. ABOC Platinum Rewards MasterCard: kui teil on preemia krediitkaart või 0 -protsendiline intressimääraga krediitkaart, võite olla ABOC -ist ilma jäänudABOC Platinum Rewards MasterCard: Ọ bụrụ na ị nọ n'ahịa maka kaadị akwụmụgwọ ụgwọ ọrụ ma ọ bụ kaadị kredit 0 % intro, ị nwere ike hapụ ABOC. View all credit card offers on credit. 90% to 22. . 95 per month. Earn 5% cash back (5 points per $1) on non-fuel purchases at BP and Amoco; 3% cash back (3 points per $1) on groceries and on dining, and 1% cash back (1 point per $1) on all other qualifying purchases. Cardholders also earn 5%. il Chlcago, tL 60602 ffi. There are credit. $150 statement credit after making $1,200 in purchases within the first 90 days of account. Guides &. It's great for . Access Your Account. 25% cashback when you use it to shop. After that the variable APR will be 18. Read more about credit cards here. Credit card reviews. It is free to use the FREE Reloads Card online ($0), but this card costs $4. Another Amex Green competitor is the Citi Premier® Card, a mid-tier travel credit card that earns 3 points per dollar on restaurants, supermarkets, gas stations, air. Get 5x the points from the Amalgamated Bank of Chicago. $75 - $125. APR as low as 13. ABOC Platinum Rewards Mastercard: Rating: Issuer: Abbott Laboratories Employees Credit Union: Amalgamated Bank of Chicago: Card Type: Consumer: Consumer: Rewards: 1 Points / $1 spent. Deposit Products. 5% Cash Back2 on every purchase. N/A. Should you prefer to make a balance transfer instead of a purchase, you will receive the same generous 0%. We don’t share your credit card details with third-party sellers, and we don’t sell your information to others. Get a Truly Free Credit Score & Personalized Advice From Our Credit Experts. Commercial Banking. com. 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1%. 00 1st year, $48. com and find your perfect credit card today. ABCO Federal Credit Union. » MORE: Full review of the ABOC Platinum Rewards Mastercard® Credit Card Bountiful rewards in popular categories The ABOC Platinum Rewards. 6 /5. ABOC Credit Card Quick View. If you are a Chase Freedom Flex (CFF) (Or Old Chase Freedom ), Discover It , Citi Dividend, or. I recently applied for the ABOC Mastercard because of the low interest offer, and was was denied due to "too many inquires". Plus, you can choose two categories for earning 5% cash back each. 99% APR (Variable) Amalgamated Bank of Chicago offers card products to all 50 states. Credit card issuers determine each cardholder’s credit limit based on many factors, the most important of which is the customer’s credit score. From the Amalgamated Bank of Chicago, new cardholders can now apply for the ABOC Platinum Rewards Credit Card to receive a $150 statement credit after $1,200 in purchases within the first 90 days. Here are some of the best credit cards with which you might get a high credit limit (though it’s not guaranteed). Regular APR. Still, it's worth considering if you have fair credit and you like to shop at JCPenney. Image Unavailable. The ABOC Platinum Rewards Mastercard is a great option for people with excellent credit scores to quickly build rewards points for purchases in common categories like travel, groceries, and gas. , Dec. Limited Time Deals. 5% ts'ebelisong ea hau ea chelete, likarete tse ling li hloka hore u sebelise $ 500 feela bakeng sa khothatso e tšoanang. The ABOC Platinum Rewards Credit Card is a 5x points card that allows you get earn some serious points that you can use (redeem) as a statement credit, gift cards, airline miles, merchandise, or a combination of rewards types! Highlights of the ABOC Platinum Rewards Card: No annual Fee11/10/2023, I made a purchase at our local Ace Home Improvement in the amount of $3723. @frankth19 • 03/11/20 This answer was first published on 03/11/20. S. Special Offer: None : 1 Points / $1 spent. The card comes from ABOC, a trusted bank with nearly 100 years of industry experience. $150 statement credit after you spend $1,200 on purchases within the first 90 days. 1 branch within 20 miles of Chicago, IL. People with a credit score between 690 and 719 can easily qualify for this credit card provided they have enough income to prove that they can pay back. Floating market rate paid quarterly. With this card, you’ll get 4% cash back on. Rewards: Earn 5% rewards on Best Buy purchases. Amalgamated Bank of Chicago’s Corporate Trust Department is an experienced Midwest-based trust services team that specializes in municipal debt and escrows. Deposit Products. 90%. Credit Cards See credit cards & more. • Forbes: “For your credit card rewards, they have built an impressively useful app that is hard to beat. The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. » MORE: Full review of the ABOC Platinum Rewards Mastercard® Credit Card Bountiful rewards in popular categories The ABOC Platinum Rewards. . 74% and 29. Unsubscribe any time. With low fees, easy rewards, and a 0% intro APR, the ABOC Platinum Rewards Credit Card holds its own in a crowded field. For improved security and optimized performance we highly recommend upgrading your browser. ABOC Platinum Rewards Mastercard® Credit Card 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12. Amalgamated Bank of Chicago (ABOC) is founded by the Amalgamated Clothing Workers Union to serve the financial needs of working people. Business, Economics, and Finance. Every purchase earns 2 percent cash rewards back, which equates to 2 cents per. Fortunately, one “small” bank card is keeping up with even the most fast-paced money habits: Amalgamated Bank of Chicago (ABOC) recently upgraded its Platinum Rewards card to offer an impressive 5x points on spending categories that change every three months. 5 points per $1 on all other purchases. We meet a wide variety of commercial and consumer banking needs with a full range of. ABOC Platinum Rewards Mastercard® Review. Robert Stark, WalletHub Credit Cards Analyst. $150 statement credit after making $1,200 in purchases within the first 90 days. Open a personal online checking or savings account, apply for a credit card or mortgage, and build a sustainable investment strategy through the Amalgamated Fossil Fuel Free portfolio. – ABOC Platinum Rewards MasterCard – ABOC Platinum Rewards MasterCard: Mena kei te maakete koe mo te kaari nama, ki te 0 orau ranei te kaari nama APR, kua ngaro pea i a koe te ABOC Platinum Rewards Mastercard ®,. Capital One Venture. Honest Review of the Abocide Custom Blackout Shades Influencer Video. Credit Score. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy. Fair or better credit required. You can check your ABOC Platinum application status by sending an email to cardappstatus@aboc. Top Picks. LaSalle, Chicago, Il 60602. 0% introductory APR1 on purchases and balance transfers for the first 12 billing cycles after the account is opened. TOP CREDIT CARDS PROMOTIONS: Chase Sapphire Preferred® Card 60K Points after $4,000 spend within 3 months. If you want to know more information about this card, keep reading. Annual Fee: Rewards: Earn up to 7 points per $1 spent at Belk. Main Office. Earn 2 points for each dollar spent on fine dining and restaurants. Cardholders get nearly two years to pay down a. : Chase Freedom Flex SM $200 Bonus after $500 spend within 3 months: The Platinum Card ® from American Express 80K Points after $8,000 spend within 6 months. Calculators. This card is a Mastercard issued by the Amalgamated Bank of Chicago (ABoC), a 100+ year-old commercial bank. : Chase Freedom Flex SM $200 Bonus after $500 spend within 3 months: The Platinum Card ® from American Express 80K Points after $8,000 spend within 6 months. ABCO Federal Credit Union. Best Savings Accounts. com brings you in-depth credit card reviews for the most popular cards in every major category, from travel to balance transfer. 0% APR for first 18 statement closing dates. The Indigo Credit Card is a pretty good unsecured credit card for people with bad credit, offering a $300+ credit limit with no security deposit needed. Notify Me. 5% unlimited cashback on other spends* (exclusions apply) Other. 2023's Top Credit Cards (New!). com brings you in-depth credit card reviews for the most popular cards in every major category, from travel to balance transfer. John Miller, Credit Cards Moderator . 01 per point. • CNBC: “One of the best apps for tracking your credit card, airline, and hotel rewards. Drive-Up: Open. The BBVA credit card allows you how you want to be rewarded. There is a new 5X earner on the market! That card is the ABOC Platinum Rewards Mastercard. All other purchases earn 1 point per $1. ”. Manage all your bills, get payment due date reminders and. Annual fee. 95 reload fee at over 45,000 locations. 5. Services. Three options with no monthly fees: Amalgamated Bank has three. The Bank of America Premium Rewards credit card comes with 60,000 points after spending $4,000 on purchases in the first 90 days of account opening. The ABOC Platinum Rewards Mastercard Credit Card is best for people with at least a good credit rating. Cashback features. Deposit Products. ABOC Platinum Rewards Jagorar Amfani da MasterCard & Duba Katin Katin. See our FAQ pages to learn more about doxo. With most secured cards, your credit limit will be equal to your deposit, but the Capital One Platinum Secured Credit Card allows for a lower deposit for those who qualify. Our Review of Amalgamated Bank of. Fair, Bad Credit. Learn more. Skip to content Search What's. Earn one CURewards¨ point. from WalletHub and across the web. Minimum earnings of £7,500 a year to be eligible. The Union Strong credit card has an 0% APR deal on balance transfers for first 18 billing cycles. Discover it ® Secured Credit Card. Aboc Platinum Rewards Credit CardJohn Miller, Credit Cards Moderator . Beginning Jan. The BBVA credit card allows you how you want to be rewarded. Finally, the American Express Serve ® Cash Back Card works like the basic card, except that it earns 1% cash-back for. 74% based on your. 65%, no annual fee, no late fees and 12 months 0% APR. Special Offer: None: Credit Score: 690 - 719 : 350 - 689 : Line of Credit: $500 -. $3 service charge will be applied for each withdrawal in excess of 18 in any quarter. The card comes from ABOC, a trusted bank with nearly 100 years of industry experience. We would like to show you a description here but the site won’t allow us. Requires a good credit score. Credit Cards Minimum Spend Requirements. The Discover it ® Secured Credit Card is our top pick due to its lack of fees and generous cash back rewards. ʻO ABOC Platinum Rewards MasterCard: Inā ʻoe i ka mākeke no kahi kāleka hōʻaiʻē uku a i ʻole 0 pakeneka intro APR hōʻaiʻē kāleka, ua hala paha ʻoe i ka ABOC. Earn 5x rewards on up to $1500. Rates and fees: Low-end APR and $0 annual fee can help with payments. Amalgamated Bank of Chicago (ABOC) is a trusted, full-service banking partner that is built on relationships. Along with a big bonus, the card earns. Our mission is to partner with our clients to serve their needs from. Send me exclusive sales. High APRs. People with a credit score between 690 and 719 can easily qualify for this credit card provided they have enough income to prove that they can pay back. The Bankwest Breeze Classic Mastercard is a low-fee, low purchase rate card, with a low minimum credit limit of $1000 to allow for credit card holders to remain responsible with monthly spending. Get a higher credit line if you're in good standing after making your first 6 payments on time. June 17, 2019, 09:52 9:52 am. Rates and fees: Low-end APR and $0 annual fee can help with payments. For new cardholders, the $99 annual fee drops to $75 for the first year. Annual Fee: $0. The ABOC Platinum Rewards Mastercard® from the Amalgamated Bank of Chicago provides a variety of rewards with a straightforward structure: 5X rewards. A number of credit cards offer 5% cashback in categories that rotate every quarter (three months). 65%. CryptoKey Takeaways. 5-percent rate is hard to beat, making the Alliant Cashback card one of the best flat-rate cash back cards around. Fixed monthly fee of £3, whether or not you take advantage of the 0% perks. Credit. Use our state-of-the-art online resources to make sure your payment processes run smoothly. In this video we take a look at a new 5% cash back credit card. $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. With $0. Earn 5x rewards on up to $1500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive. 65% → 24. . Additionally, this $0 annual fee card offers automatic credit line reviews starting at six months to determine if you. The Platinum Rewards credit card currently charges an APR of 12. The Discover it® Secured Credit Card is the best credit card for bad credit because it offers a chance to get your deposit back and earns cash back. Go To ABOC. Some credit card issuers pay us when you apply for a card through Birch, but we're lucky to work with select banks that share our mission—and it's how we're able to keep Birch 100% free. The Discover it® Student Cash Back card is a rotating category card, meaning it earns higher cash back rates in bonus spending categories that cycle each quarter.