Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Consensus on lesser known banks?


CreditScholar wrote:

navigatethis12 wrote:

Usually small banks with a few branches do not have credit cards, or they outsource it to another issuer like Elan, FIA(not anymore), First Bankcard, or others. So the bank isn't actually the one offering the card if that is the case.


+1. Small banks simply don't have the financial firepower to offer really good credit cards, as it's simply too capital intensive. This is usually why the best cards are offered by the largest banks.

 

However some under-rated cards that are worth a mention are:

 

1. Fidelity Amex

2. PenFed Travel Rewards and Platinum cards


Those are good.  Also, for low interest rate cards, you should shoot for 7ish% APR or lower.  There are several CUs/banks offering rates like that.  For example, I have 30k card with local credit union, SF Fire, for 7.24% and basically with no fees (BT, Cash Advance, annual, etc) with your basic 1% rewards.  SDFCU (State Department Federal Credit Union) offers one at 6.99% with the same 1% rewards.

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Consensus on lesser known banks?

Oh yeah.  Let's not forget JCP Marauki Premium card with up to 3% rewards.

               LIMITS IN CARD DESCRIPTIONS
Highlighted
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: Consensus on lesser known banks?


Crashem wrote:

Oh yeah.  Let's not forget JCP Marauki Premium card with up to 3% rewards.


+1. I forgot that one!

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Member
Posts: 1,573
Registered: ‎08-30-2011
0

Re: Consensus on lesser known banks?


Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 

EX = 828 EQ = 846 TU = 833 as of 02/2016
Retired and Retiring Cards!
Established Contributor
Posts: 911
Registered: ‎12-25-2010
0

Re: Consensus on lesser known banks?


thom02099 wrote:

Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 


+1. Great resource. Or if the OP is looking for a small bank or CU, use the good ole' Yellow Pages, that's how we old timers looked up things before the Googles and Internets came along. Find something local or regional, as most smaller players probably don't advertise outside of their adjacent geographical area...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Senior Contributor
Posts: 8,226
Registered: ‎06-05-2013
0

Re: Consensus on lesser known banks?

[ Edited ]

Tuxedo77 wrote:

Meaning small banks with 4 to 5 branches. A friend of mine got on with a local bank here in SoCal called Farmer's and merchants bank and he got $7K with 9% APR......something like that. Smiley Happy


Are APR's all that matter?  Don't just assume that your notion of "good" is universal.  Clearly state what you're looking for.  Many here place a lower priority on APR since they PIF.  Consider the commonly discussed credit unions and other institutions.

Established Member
Posts: 1,573
Registered: ‎08-30-2011
0

Re: Consensus on lesser known banks?


JonStur wrote:

thom02099 wrote:

Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 


+1. Great resource. Or if the OP is looking for a small bank or CU, use the good ole' Yellow Pages, that's how we old timers looked up things before the Googles and Internets came along. Find something local or regional, as most smaller players probably don't advertise outside of their adjacent geographical area...


LOL, mine still get worn out each year when I get a new one!  Betting there's some "youngsters" here who have no idea what they are...or how to use 'em ! !

EX = 828 EQ = 846 TU = 833 as of 02/2016
Retired and Retiring Cards!
Frequent Contributor
Posts: 2,951
Registered: ‎04-04-2013
0

Re: Consensus on lesser known banks?


thom02099 wrote:

Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 


Nice web site. I see there is a Discover It for students that gives a $20 cashback bonus. I wonder what else there is to find on that site...



TU-08: 760    EX-08: 741    EX-08 Bankcard: 780    EQ-08 Bankcard: 737    EQ-04: 718
Frequent Contributor
Posts: 314
Registered: ‎03-08-2011
0

Re: Consensus on lesser known banks?


thom02099 wrote:

JonStur wrote:

thom02099 wrote:

Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 


+1. Great resource. Or if the OP is looking for a small bank or CU, use the good ole' Yellow Pages, that's how we old timers looked up things before the Googles and Internets came along. Find something local or regional, as most smaller players probably don't advertise outside of their adjacent geographical area...


LOL, mine still get worn out each year when I get a new one!  Betting there's some "youngsters" here who have no idea what they are...or how to use 'em ! !


These are tinder, for the fireplace, right? Smiley Wink

 

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

Work the system. Don't let the system work you.
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: Consensus on lesser known banks?


Odiseous wrote:

thom02099 wrote:

JonStur wrote:

thom02099 wrote:

Tuxedo77 wrote:
Any non Citi, Chase, Amex etc., banks that have good credit products? Just out of curiosity.....

If you want to see credit cards from just about any issuer, check this out: 

 

http://www.indexcreditcards.com/creditcardlist.html

 

Includes the "big boys", the Regionals, and lots of smaller issuers.  Some of the links are not up-to-date, however. 


+1. Great resource. Or if the OP is looking for a small bank or CU, use the good ole' Yellow Pages, that's how we old timers looked up things before the Googles and Internets came along. Find something local or regional, as most smaller players probably don't advertise outside of their adjacent geographical area...


LOL, mine still get worn out each year when I get a new one!  Betting there's some "youngsters" here who have no idea what they are...or how to use 'em ! !


These are tinder, for the fireplace, right? Smiley Wink

 


Nope, it's what you used when the toilet paper ran out. Smiley Happy

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.