Sometimes, you may need money fast for an emergency situation. That’s where credit cards can help. However, there is a stringent application process. Eligibility criteria decide if you even qualify for a certain credit card.
Here is a list of the top ten companies that offer an instant approval credit card. These are extremely rewarding and easy to obtain.
1. Barclay CashForward World MasterCard
With this card, you can get $200 rewards after you spend $1000 within three months of opening the account. You also earn 1.5 percent cash rewards every time you buy anything with this card. Also redeeming the card will fetch you 5 percent redemption of rewards which can be used in the next redemption.
2. Capital One VentureOne Rewards Credit Card
When you accept credit cards of this type, you can earn a one-time reward of 20,000 miles on air after completing purchases worth $1000 within 90 days of approval. You will not have to pay any annual fee and 0 percent APR for the first year.
3. Discover It Cashback Match
Are you looking for an instant approval credit card that can double your rewards? This is the credit card which will turn $200 into $400. You would be rewarded with a dollar for each dollar you spend when a period of a year comes to an end.
4. Blue Cash Everyday Card from American Express
If you could apply for this instant approval credit card by 3rd May, you can earn cashback of up to 10 percent by swiping the card at any restaurant in the USA for the first 6 months. Also, you can earn $100 cash back by spending $1000 within the first 90 days.
5. Barclay Ring MasterCard
The best advantage of this card is that you will not have to pay a single dollar for the first 15 months of purchase. Also, you will get different types of rewards during this period after which the APR would be somewhere around 13.74 percent.
6. Capital One Quicksilver Cash Rewards Credit Card
When every other credit cards are paying $100 reward for spending $1000, you can get the same benefit by spending only $500 with this credit card. Also, you can earn unlimited 1.5 percent cash back for every single purchase.
7. Chase Freedom Unlimited
You will be automatically redirected to earning 1.5 percent cash back rewards on every single purchase. Also, you will get $150 bonus on the completion of $500 within 90 days of approval.
8. Susan G. Komen Credit Card
This instant approval credit card is promoted by Bank of America and they are offering $3 million in association with the Pink Ribbon Credit card program to all its users until December 2020. Also, you will get $100 online cash rewards bonus once you complete spending $500 within 90 days of approval.
9. Bank of America Credit Card
You should consider this card for its 0 percent introductory APR till the completion of 18 cycles for balance transfers within the first 2 months.
10. Bank of America Travel Rewards Credit Card
Get unlimited access to 1.5 points for each dollar you spend on purchasing. Also, there are no foreign transaction or annual fee; your earned points would never expire. You will be also rewarded with 20,000 online bonus points if you can make $1000 in your purchases within the first 3 months.
If you’re looking for a good credit card, these are the first options you should consider.
There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Equifax
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
TransUnion
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.
Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score.