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Best Fintech Credit Cards for June 2021

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Petal® 2 “Cash Back, No Fees” Visa® Credit Card

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Rewards Rate
Earn 1% cash back on eligible purchases. After twelve on-time payments, you will earn 1.25% cash back and after 12 on-time payments, you will earn 1.5% cash back.
Sign Up Bonus
N/A
Typical Credit Score
Fair, Limited / None, Good
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Jasper Cash Back Mastercard®

Requires sign in
Rewards Rate
Earn 1% cash back on every purchase. Terms apply.*
Sign Up Bonus
N/A
Typical Credit Score
Limited / None
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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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