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10 best fintech credit cards in USA that you should know

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In this article you will get to know about top 10 best fintech credit cards in USA .Fintech companies are revolutionizing the way we handle money, and one area where they excel is credit cards. With innovative features and user-friendly interfaces, fintech credit cards are gaining popularity among consumers seeking simplicity and flexibility in their financial lives. Let’s take a closer look at some of the best fintech credit cards available in the USA.

If you don’t know about fintech credit cards and its benefits with features then you can check it here

Following are the 10 best fintech credit cards in USA

Apple Card

As sleek as the iconic Apple products, the Apple Card offers a seamless integration with your iPhone and Apple ecosystem. With no annual fees, low interest rates, and daily cashback rewards, it’s a favorite among Apple enthusiasts. The card’s simplicity lies in its easy-to-understand interface, which categorizes spending and provides valuable insights into your financial habits.

Joining FeeNot disclosed
Annual FeeNone
Key FeaturesSeamless integration with Apple devices and ecosystem, no annual fees, low interest rates, daily cashback rewards, categorization of spending, and insights into financial habits

Apply for apple card

Chase Freedom Flex credit card

Chase Freedom Flex credit card combines the convenience of a traditional credit card with the benefits of a fintech platform. With rotating bonus categories that earn you cashback rewards and no annual fees, it’s a versatile choice for everyday spending. Plus, it offers additional perks like purchase protection and extended warranty coverage, providing peace of mind with every purchase.

Joining FeeNot disclosed
Annual FeeNone
Key FeaturesRotating bonus categories earning 5% cashback, no annual fees, additional perks like purchase protection and extended warranty coverage.

Apply for Chase Freedom Flex credit card

Capital One Quicksilver credit card

Capital One Quicksilver credit card Known for its straightforward rewards structure, the Capital One Quicksilver card is a favorite among those who value simplicity. With unlimited 1.5% cashback on all purchases and no foreign transaction fees, it’s an excellent option for both domestic and international use. The card also offers a generous sign-up bonus for new cardholders, making it an attractive choice for those looking to maximize their rewards from day one.

Joining FeeNot disclosed
Annual FeeNone
Key FeaturesUnlimited 1.5% cashback on all purchases, no foreign transaction fees, generous sign-up bonus for new cardholders.

Apply for Capital One Quicksilver credit card

PayPal Cashback Mastercard

For those who prefer the convenience of online payments, the PayPal Cashback Mastercard offers a compelling solution. With 2% cashback on every purchase, no annual fees, and no redemption thresholds, it’s a straightforward way to earn rewards on your everyday spending. Plus, it seamlessly integrates with your PayPal account, allowing for easy redemption of cashback rewards directly into your PayPal balance.

Joining FeeNot disclosed
Annual FeeNone
Key Features2% cashback on every purchase, no redemption thresholds, seamless integration with PayPal account for easy redemption of rewards.

Apply for paypal cashback mastercard

Discover it Cash Back

Discover it Cash Back card is renowned for its generous cashback rewards and user-friendly features. With rotating quarterly categories that earn 5% cashback and no annual fees, it’s a popular choice for maximizing rewards on everyday expenses. The card also offers a unique feature called Cashback Match, where Discover matches all the cashback you’ve earned at the end of your first year as a cardholder, effectively doubling your rewards.

Joining FeeNot disclosed
Annual FeeNone
Key FeaturesRotating quarterly categories earning 5% cashback, Cashback Match program doubling rewards at the end of the first year, no annual fees.

Apply for discover it cashback credit card

SoFi Credit Card

SoFi, known for its financial products catering to millennials, offers a credit card with unique benefits. The SoFi Credit Card earns 2% unlimited cashback on eligible purchases when redeemed towards SoFi investment, SoFi loans, or SoFi cash management accounts. Additionally, cardholders can earn a 2% unlimited cashback when used for eligible streaming services, groceries, and dining purchases. With no annual fees, complimentary cellphone insurance, and other exclusive perks, it’s an attractive option for those looking to align their spending with their financial goals.

Joining FeeNot disclosed (Typically, there’s no joining fee for SoFi products).
Annual FeeNone
Key Features2% unlimited cashback on eligible purchases when redeemed towards SoFi investment, loans, or cash management accounts. Additional 2% cashback on eligible streaming services, groceries, and dining purchases.

Apply for sofi credit card

Petal 2 Cash Back, No Fees Visa Card

Petal 2 Visa Card is designed for individuals looking to build or rebuild their credit while enjoying cashback rewards. With no annual fees, late fees, international fees, or over-limit fees, it’s a transparent and accessible option for responsible credit card users. The card offers cashback rewards ranging from 1% to 1.5% on eligible purchases, with the potential to increase over time based on responsible credit behavior. It’s an ideal choice for those seeking a straightforward and affordable credit-building option.

Joining FeeNot disclosed (Typically, there’s no joining fee for SoFi products).
Annual FeeNone
Key FeaturesCashback rewards ranging from 1% to 1.5% on eligible purchases. No annual fees, late fees, international fees, or over-limit fees.

Apply for Petal 2 Visa Card

Venmo Credit Card

Venmo credit card, a popular peer-to-peer payment platform, offers a credit card with a unique rewards structure. The Venmo Credit Card earns cashback rewards on eligible purchases, with rewards automatically deposited into the cardholder’s Venmo account. With a customizable card design and real-time rewards tracking within the Venmo app, it’s a convenient option for Venmo users looking to seamlessly integrate their spending and rewards.

Joining FeeNot disclosed (Typically, there’s no joining fee for SoFi products).
Annual FeeNone
Key FeaturesCashEarns cashback rewards on eligible purchases, with rewards automatically deposited into the cardholder’s Venmo account. Customizable card design and real-time rewards tracking within the Venmo app.

Apply for venmo credit card

Brex Cash Card

Brex Cash Card caters to startups and small businesses, offering a corporate card with no personal guarantee or credit check required. With an emphasis on expense management and rewards, the Brex Cash Card provides 1.5% cashback on all purchases, with no annual fees or foreign transaction fees. Additionally, it offers robust expense management tools, including receipt capture and integration with popular accounting software, making it a preferred choice for business owners looking to streamline their finances.

Joining FeeNone (no personal guarantee or credit check required).
Annual FeeNone
Key Features1.5% cashback on all purchases. No annual fees or foreign transaction fees. Robust expense management tools, including receipt capture and integration with popular accounting software.

Apply for brex credit card

Robinhood Cash Management Debit Card

While not a traditional credit card, the Robinhood Cash Management Debit Card deserves mention for its innovative approach to banking. Linked to a Robinhood brokerage account, the debit card offers a high-yield savings feature with no minimum balance requirements or monthly fees. Additionally, it provides access to over 75,000 fee-free ATMs nationwide and a customizable card design. It’s an attractive option for individuals looking for a simple and fee-free banking solution with the added benefit of earning interest on their deposits.

Joining FeeNone (no personal guarantee or credit check required).
Annual FeeNone
Key FeaturesHigh-yield savings feature with no minimum balance requirements or monthly fees. Access to over 75,000 fee-free ATMs nationwide. Customizable card design.

Apply for Robinhood Cash Management Debit Card

Please remember to carefully review the terms and conditions, including interest rates, rewards structure, and any associated fees, before applying for any credit card. Additionally, consider your own financial situation and spending habits to choose the card that best suits your needs.

Frequently Asked Questions

1 . Can I use a fintech credit card internationally?

Yes, most fintech credit cards can be used internationally. However, it’s essential to check the card’s terms for information on foreign transaction fees and currency conversion rates.

2. What benefits or rewards do fintech credit cards offer?

Fintech credit cards may offer cashback rewards, flexible redemption options, and perks tailored to the digital-savvy consumer. Some cards may also provide insights into spending habits, personalized recommendations, or financial management tools.

3.Do fintech credit cards have annual fees?

Many fintech credit cards do not have annual fees, but it varies by card. It’s essential to review the terms and conditions of each card to understand any associated fees.

4.Are there any hidden fees associated with fintech credit cards?

It’s crucial to review the terms and conditions to understand any potential fees, including late payment fees, balance transfer fees, or cash advance fees. Fintech credit cards often emphasize transparent fee structures.

5.Do fintech credit cards help build credit?

Yes, responsibly using a fintech credit card, like any other credit card, can contribute to building or improving your credit score. Timely payments and responsible credit use are key factors in credit history.

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