Credit Card Blog

Best Credit Cards for Fair Credit and Average Credit

June 13, 2020 By Kevin | Just Start Investing

Credit cards are not only for earning rewards and cash back, they are also a great tool for building credit. Below is a list of the best credit cards for fair credit that can help you improve your credit score, when used responsibly.

It’s important to remember your goal when getting a credit card designed for someone with fair credit. You should not be striving to get a ton of perks or rewards, because it is not realistic to do that with fair credit.

Your goal should be to find a credit card that you can get approved for, is affordable, and that you can pay on time in order to build your credit. Hopefully, it has a few perks or rewards as well, but that shouldn’t be the primary objective

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Blaze MasterCard Credit Card Review

May 17, 2020 By Chris Muller

Having a low credit score is inconvenient, to say the least. In this Blaze MasterCard Credit Card Review, we’ll showcase how this card can help you build credit.

Having fair credit or poor credit can make it hard to obtain a loan, rent an apartment, or even land a job. Recovering from a low credit score is never easy, but it is possible when using smart tools like credit building credit cards.

The first step is to identify the problem and decide you want to fix your credit. From there, you can start to take action to improve your score and your financial situation.

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10 Best Cash Back Credit Cards of 2020

April 19, 2020 By Kevin | Just Start Investing

Using a cash back card is easy and straight-forward. Though, not all cards that offer cash back are created equal. Below is a list of the 10 best cash back credit cards of 2020.

Some cards offer a flat rate of cash back, and others offer more complex and tiered rewards. You can compare and review the various cash back cards available to you below.

You can also apply for the best cash back cards here:

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Review of Credit Repair Companies – Do They Really Work?

April 17, 2020 By Brian from Debt Discipline

If you’ve ever listened to the radio or watched late-night television, chances are you heard or seen an ad for credit repair companies.

You know, the ads where they claim to be able to repair your credit to improve your credit score.

Where they say things like:

“We can remove negative items from your credit report forever!”
“Credit problems? No problem!”
“Credit really bad? We’ll help you create a new identity – legally.”

Chances are if you hear any of these claims, they’re signs of a scam.

A company is likely just looking to separate you from some of your money. They may not even perform any credit repair.

If that’s the case – what’s someone to do when they need to repair their credit and increase their credit score?

To start, understand there’s no quick fix for creditworthiness. Below, we’ll dig into the right steps you can take, as well as reputable companies to partner with on your journey.

This post was written in partnership with Brian from Debt Discipline and The Money Mix.

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Mercury Credit Card Review: An Exclusive Mid-Tier Card

April 12, 2020 By Kevin | Just Start Investing

The Mercury Credit Card, or Mercury Mastercard, is a middle-tier credit card that requires average credit to attain. It’s also one of the most confusing personal finance products I’ve come across so far.

Let me explain…

For one, it’s unknown if the Mercury Card offers any rewards. There is nothing to be found regarding rewards on their website, but some users are leaving card reviews that mention them. I’ll get into more of the details later.

To add to the oddness, this is an exclusive, mid-tier credit card that requires a sign-up code to apply. I never expected to describe a credit card as both “exclusive” and “mid-tier,” but that’s what this is and you cannot apply unless you get an invitation through the mail.

At the end of the day, I believe there are better, less-mysterious middle-tier credit cards for someone with fair credit.

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