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Bank Credit Card | Top Companies: This Week's Reviews |
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| Services Offered:
Bank credit card |
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| Company Overview:
Bank of Internet was founded as an online-only bank in
1999. They are FDIC insured, for the consumers’ safety
as well as their own, and they have more than $1 billion
in assets. They are a leader in the online banking
industry, and offer bank credit cards, loans, and online
banking solutions to all types of consumers and
businesses. |
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| Our Review:
Bank of Internet is one of our favorite lenders. They
have bank credit card options for all types of
consumers, and their applications are really simple to
fill out. This company has amazing customer service, and
should be considered by anyone looking for a bank credit
card. |
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| User Review: Bank
of Internet had the best rates for a bank credit card
that I found anywhere. I spent weeks researching
different options to make sure that I was getting the
right card, and theirs ended up being the best choice
for my needs. I like their online-only practices, as
well, because I don’t have to keep track of paperwork or
worry about statements getting lost in the mail. |
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| Services Offered:
Bank credit cards |
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| Company Overview:
Discover was established in 1986, and made their first
public appearance during the SuperBowl. They are a
leader in the credit card industry, and had more than $3
billion in transactions in 2006. Their PULSE network is
connected to more than 4,000 banks and 260,000 ATMs
around the world. |
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| Our Review:
Discover card offers bank credit card options and
specialty cards in addition to their regular cards. They
have options for everyone, along with great customer
service. This really is a top rate company with top rate
customer service, and the website is simple and easy to
use. |
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| User Review:
Discover card is amazing! I love all the specialty cards
and bank credit cards they offer. Plus, their rates are
great, and so are the rewards programs. I don’t think
I’ll ever get another card because I love this one so
much. |
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| Services Offered:
Bank credit card |
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| Company Overview:
Credit Axis works with more than 80 lenders to offer
credit cards to consumers with bad credit. They offer
bank credit cards and general use credit cards for
anyone that needs them. They were founded in 2003, and
offer many loans and credit resources for consumers, as
well. |
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| Our Review:
Credit Axis is a great company for bad credit customers.
They have so many different products to choose from, and
their website is really easy to use. Anyone who needs a
bank credit card but doesn’t have good credit should
check out this company. Their customer service is great,
too. |
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| User Review:
Credit Axis found me a great bank credit card, even
though I had bad credit. I’m glad that I didn’t give up
when I wanted to, because I would have never found their
services. The company offered me so many great services,
and I’m forever grateful. |
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| Services Offered:
Bank credit cards |
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| Company Overview:
First Plus Platinum began in 2007 as an online-only
creditor for those with less than perfect credit. They
have many different programs that include 10 different
credit cards for those with bad credit or no credit.
They serve thousands of customers annually, and are an
online-only company. The contact information offered is
for their customers and prospective customers, to apply
for cards and obtain account information. |
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| Our Review:
First Plus Platinum has a very simple, easy to use
website. All of their products are well explained on the
site. Also, the customer service is available 24/7 via
email, which is very helpful. They are a professional
company, and their products are great for all consumers. |
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| User Review:
First Plus Platinum was easier to get approval with than
I thought they would be. I didn’t have great credit, and
they still gave me a chance to get the credit card that
I needed. I wanted a bank credit card, and they had one
that looked and acted exactly like a traditional bank,
so no one had to know that I worked with a bad credit
company. |
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Other Top Companies for
Bank Credit Card : |
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Top Tips for Choosing a Bank Credit Card: |
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With so many
different options for credit cards, many people find it
difficult to get the card that they want and need. The
various companies and banks that offer credit cards seem
to have lists of available options that go on for days.
Plus, it’s hard for many to choose between a bank credit
card and a credit card from a credit company. The first
tip is to make sure that you understand the difference
between a bank credit card and a credit card company
card. For starters, bank credit cards come directly from
banks, such as Chase, Household Bank, Bank of America,
and others. Other cards that come from companies like
Capital One or Discover are not bank credit cards. When
it comes to choosing a bank credit card, you have many
different things to consider. First, if you’re looking
for a particular bank credit card, you can easily find
them at the bank’s website. However, if you don’t have a
specific bank in mind, there are other ways to find the
right card. Consider the things that you want in a card.
For example, are you looking for a rewards card, or
perhaps a low interest card? The type of bank credit
card that you want will define which options you have.
Most banks offer all kinds of bank credit cards for
consumers, but some don’t offer every type. Next, take
the time to determine which banks offer which cards,
including whether you would be eligible or not. Often,
these banks will have information with their cards that
tells you what type of credit you need. For example, if
one bank has a rewards card that requires excellent
credit, while another has one that only requires good
credit, you might be better suited for the one with good
credit if you don’t have a perfect credit score. Even if
you have great credit, applying for a card that requires
less might get you a better interest rate or a higher
credit line, since you’ll be at the top of the credit
tier rather than at the bottom. Keep these things in
mind, and choosing the right bank credit card should
prove to be a simpler task than you might have thought.
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