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Best Fintech Credit Cards for January 2022

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Fintech

1. Compare the best fintech credit card offers from our partners
2. Save money on interest & earn valuable rewards
3. Immediate and secure online application

Petal® 2 “Cash Back, No Fees” Visa® Credit Card
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On WebBank's secure site
Rewards Rate
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments, 1% cash back on eligible purchases right away, 2% - 10% cash back at select merchants
Easy Approval Process
Easily see if you're pre-approved within minutes without impacting your credit score
No Fees
No late fee, international fee, annual fee, or other suprise fees
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BlockFi Rewards Visa® Signature Credit Card
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On Evolve Bank & Trust's secure site
Rewards Rate
Earn 1.5% back in bitcoin on every single purchase. Earn 2% back in bitcoin on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.
Welcome Offer
Earn 3.5% bitcoin rewards on all purchases in the first 90 days of card ownership, up to $100 in bitcoin.
Trading Bonus
Earn an additional 0.25% back in Bitcoin on all eligible trades via the Blockfi platform. Plus, refer a friend and get $30 in bitcoin.
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Upgrade Visa® Card with Cash Rewards
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On Sutton Bank's secure site
Low Purchase APR
Competitve APR and predictable payments make for a great fit for larger purchases
Rewards Rate
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0 Fraud Liability
Enjoy peace of mind with $0 fraud liability on all purchases
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What is a Fintech Card?

Fintech is an abbreviated "catch all" term used to describe financial technology companies. These companies are trying to innovate within a particular part of finance. One of the most rapidly changing parts of finance is credit cards where new companies have started to tackle the traditional challenges of getting and managing a credit card.

One of the most important innovations in the card space is building new underwriting models to help give Americans access to credit. This practice relies on approving or denying a credit card applicant based on more factors than just their credit score. In fact, applying for these cards shouldn’t affect your credit score. Common factors that influence being approved for a new credit card include your income, savings, and monthly expenses. These factors combine to give underwriters and banks an idea on how likely you are to pay them back.

What is the Difference?

Usually fintech companies forgo traditional brick-and-mortar branches in favor of investing more into another value proposition. These investments can result in higher rewards, larger credit limits, or lower interest rates than competing cards in their class.

If you don’t find yourself going to bank branches often to pay off your credit card then a fintech card could be a great option for you. Each product has a slight specialization that makes them unique so be sure to consider these cards in addition to traditional offers. Which fintech card is best for you will depend on your spending habits and the size of the monthly balance you tend to carry. Even if you already have a traditional credit card, opening a fintech card can be a great way to increase your total access to credit without paying an annual fee.

Benefits and Considerations

Fintech cards are a great option if you want to keep your credit card relationship simple. Don’t expect to get a mortgage from the same provider as your fintech card but these cards can be fantastic in their own right. Most of these offers will come with free software or an app to help you manage your personal finances, pay off your card, and more. One of the greatest strengths of these cards is the convenience they provide. They are always one touch away on your smartphone.

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