• No credit check to apply. Zero credit risk to apply!
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
• With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
• Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Join over 1.2 million cardholders who’ve used OpenSky to build their credit
• Annual Fee: $35
• APR 25.64% (V)

Credit Level: Bad Credit | No Credit

• Test No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 25.24%
• Annual Fee = $29
• *See all terms and conditions.

Credit Level: | Fair Credit | Bad Credit

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• Unlimited Rewards

• Earn Unlimited 3% Cash Back on Dining, Entertainment, Popular Streaming Services & at Grocery Stores with $0 Annual Fee

• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

• 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that

• 0% intro APR for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months; 3% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you

• $0 ANNUAL FEE

Credit Level: EXCELLENT

• Unlimited Cashback Match

• No Annual Fee

• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.

• Earn 1% cash back on all other purchases.

• Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.

• 0% Intro APR for 15 months on purchases and balance transfers and 3% Intro Balance Transfer Fee until January 10, 2024. Then 17.24% to 28.24% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

• Online Privacy Protection

• Free Social Security Number Alerts

• Turn Your Account On/Off With Freeze it^®

• $0 Fraud Liability Guarantee

• Discover it^® cash back rewards never expire

Credit Level: GOOD

• Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership

• APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
• 12X HILTON HONORS BONUS POINTS On Eligible Purchases Made Directly With Hotels and Resorts in the Hilton Portfolio.
• 6X HILTON HONORS BONUS POINTS On Select Business Purchases At U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
• 6X HILTON HONORS BONUS POINTS On Select Travel Purchases At U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies.
• Complimentary Hilton Honors Gold Status
• Free Night Reward
• Second Free Night Reward
• Priority Pass™ Select - 10 Complimentary Visits
• Upgrade to Diamond Status
• No Foreign Transaction Fees
• Employee Cards
• Account Manager
• Connect to QuickBooks^®
• Account Alerts
• Year-End Summary
• Online Statements
• Vendor Pay by Bill.com
• Car Rental Loss and Damage Insurance
• Baggage Insurance Plan
• Global Assist^® Hotline
• Extended Warranty
• Purchase Protection
• Amex Offers
• Dispute Resolution
• Annual Fee $95

Credit Level: GOOD | EXCELLENT

• Earn 120,000 Membership Rewards Points after you spend $15,000 in eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership.
• Shop Dell Technologies - Upgrade your tech, enhance your business. Enroll and get up to $400 in statement credits per year (up to $200 back semi-annually) toward U.S. purchases with Dell Technologies on the Business Platinum Card
• Indeed - Build your team, grow your business. Enroll and get up to $360 in statement credits per year (up to $90 back per quarter) for purchases with Indeed on the Business Platinum Card.
• Adobe Creative Solutions - Get the creative solutions your business needs. Enroll and get up to $150 in statement credits per year for eligible annual prepaid business plan purchases with Adobe on Creative Cloud for teams or Acrobat Pro DC with e-sign for teams on the Business Platinum Card
• Wireless Credit
• Enroll and get up to $120 in statement credits per year (up to $10 back per month) for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card.
• The Global Lounge Collection
• $200 Airline Fee Credit
• Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card^® Account.
• CLEAR^® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership¹ with up to $189 in statement credits per year after you pay for CLEAR Plus with your Business Platinum Card^®.
• Fine Hotels & Resorts Program
• 5X POINTS On Flights & Prepaid Hotels Booked on AmexTravel.com
• 1.5X POINTS On Key Business Categories & on Purchases of $5k or More
• 1X POINTS On Other Purchases.
• No Foreign Transaction Fees
• Trip Delay Insurance
• Trip Cancellation and Interruption Insurance
• MARRIOTT BONVOY^™ GOLD ELITE STATUS
• Hilton Honors Gold Status
• Business Platinum Travel Service
• Business Platinum Card^® Concierge
• Preferred Access
• Global Dining Access by Resy
• Premium Global Assist^® Hotline
• Premium Car Rental Privileges
• Pay Over Time Option
• Employee Cards
• Account Manager
• Account Alerts
• Year-End Summary
• Online Statements
• American Express^® App
• Vendor Pay by Bill.com
• Cell Phone Protection
• Relationship Care^® Service
• Amex Offers
• Dispute Resolution
• Extended Warranty
• Purchase Protection
• Annual Fee $695

Credit Level: EXCELLENT

• Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
• All credit types welcome to apply!
• Fast and easy application process; results in seconds
• See if you’re Pre-Qualified without impacting your credit score
• Initial Credit Limit of $300 – $1,000* (subject to available credit)
• Monthly reporting to the three major credit bureaus
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
• *See all terms in conditions on website.
• This offer is NOT available in the following states: MA, CO, WV, IL
• Some Requirements (Not limited to)
• You need to have an existing checking account
• note:  Having the above does not auto approve you.  The bank will still look at other factors when making a decision.
• Is there a credit check when I apply?
• The pre-qual process is a soft pull (page 1 when consumer submits an app).
• If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.
• How long does it take to make a decision about my application?
• In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.
• About Continental Finance:
• Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.
• Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!
• Who is Celtic Bank?
• Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.

Credit Level: Bad Credit

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Available Nationwide
• APR for purchases = 19.24%
• Annual Fee = $39
• *See all terms and conditions

• Credit Level: Fair Credit | Bad Credit

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
• Combine the flexibility of a credit card with the predictability of a personal loan
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime
• Regular Purchase APR: 14.99% -29.99%
• No annual fee
• State Exclusions: Not Available in DC, IA, WV, WI

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Upgrade Triple Cash Back Rewards Details

Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed.  Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction  may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement. 

Credit Level: Fair Credit | Good Credit | Excellent Credit

• Loan Amounts: $1,000-$50,000
• Annual Percentage Rates (APRs): 8.49% - 35.97%.
• Fixed rates and payments with a clear pay off date.
• Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
• Fast Funding. Money is sent to your bank account within a day of clearing any verifications.*
• Automatic payments and ability to customize the due date: manage your account online or via the mobile app
• No prepayment penalties.
• Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.

Credit Level: Fair Credit | Good Credit | Excellent Credit

Disclosures:

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/

Fast Funding Disclosure:

*Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

State Exclusions:

Loans are not currently available to residents of DC.

Multiple different product options with different loan amounts and terms to help you:

• Build credit as cheaply as possible (Biz $2,500)
• Build credit & savings simultaneously (Biz $5,000)
• Build a large amount of credit (Biz $10,000)

Anyone is eligible, as long as we can verify your identity and business. Perfect for people with thin or no credit, since there is no credit check and no minimum credit score

Business requirements, the company must:

• Have a registered EIN (Employer Identification Number issued by the IRS
• Be at least 3 months old
• Be a LLC, partnership, or Corporation
• Be located in the United States and have a physical US address place of business

Individual requirements:

• Own at least 25% of the business
• Have no co-owner(s) that individually own 25% or more of the business
• Be at least 18 years old and be a permanent US resident
• Have a physical US residence
• Have a valid SSN or ITIN
• Have a valid identification document (Drivers license, State ID, Passport, Permanent Resident Card)

Impacts 90% of the factors used to calculate your credit score

• Payment history (35%)
• Amount of credit (30%)
• Length/age of credit (15%)
• Credit Mix (10%)
• New Credit (10%)

We’ll report loan payments each month. Making on-time payments are a positive signal to credit bureaus and help your score.

• All credit products are designed to give customers the ability (but not requirement) to demonstrate good financial behavior. The reverse is also true - Late payments are also reported!

The account is reported and will appear on a customer’s credit profile within 30-60 days after the first loan payment due date

• The first payment is due 30 days from account opening date and due on the same day each month

How CreditStrong Business works:

A secured loan is issued to you, and deposited in a locked savings account in your name held at Austin Capital Bank, the 5* rated community bank that powers CreditStrong

• These funds are secured, meaning they are not made available to you immediately

Each month, you make monthly payments towards the secured loan which pay down the loan balance

Each payment is split into 2 portions

• Interest: Cost for keeping the account open, account maintenance, reporting, etc. Think of this as the money you pay CreditStrong to build your credit.
• Principle: this goes towards the loan balance and principal payments will be available for withdrawal on completion of your loan. Think of this as money you pay to yourself each month for future use.

Each month, we report payment behavior to Equifax, PayNet, and SBFA. (remember:

make complete, on-time payments so we’re reporting GOOD credit behavior!)

• We plan to expand commercial credit reporting to Experian and Dun & Bradstreet in the near future.

What happens when the loan is paid off?

• Once the loan is paid off, the secured savings account is unlocked
• The funds in the unlocked savings account can then be withdrawn
• Once the account is paid off, it will be reported to credit bureaus as “Paid in full with a $0 balance” / ”Paid off”

Canceling:

• You can choose to cancel early with no prepayment or early termination fees.
• If you cancel early, the difference is unlocked, and the funds in your saving account (if any) can be accessed and transferred to your payment method on file with no fees or penalties
• If you have already made the admin fee payment and 1 or more loan payment (It will be closed out and reported as “Paid in full with a $0 balance” / ”Paid off” (which is the same as if you were to pay it off fully – there is no difference in reporting))
• If you have not made any payments or have made the admin fee payment but not a loan payment. It will not be reported and will not show on your credit report o If you have made more than 1 loan payment and want to cancel early. We use your secured savings to pay off the remaining loan balance

Credit Level: N/A

Divvy makes it easy to access the funding you need, no matter the size of your business.  Credit with Divvy has all the perks and benefits you’d expect from a robust business credit line. From features to rewards, you’ll love having credit with Divvy.

In a nutshell, Divvy is a line of credit that used via a virtual charge card with rewards! Divvy also has free expense management software for you and your employees!

• Fast and flexible business credit. Credit card rewards plus software benefits
• Fast Approval and Multiple ways of underwriting
• Scalable credit line
• No annual fees
• Flexible rewards.  It’s free to use for the entire company, plus earns 1-7X rewards.
• Unlimited virtual cards.  Each employee gets a card that can be controlled by your admin. Set budgets to control spend

Credit Level: N/A