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You need
at least 4 - 8 Funding accounts reporting on your personal credit reports to qualify for the accounts in the next tier.
Please scroll down to apply and make purchases with accounts that report to the personal credit bureaus if you have not already.
Keep in mind the items discussed in Step 3 so that you can have the best success in approvals with the below accounts and success with them reporting.
APPLY WITH
1-2 ACCOUNTS
When applying for unsecured funding make sure you use your correct personal information as it matches on all of your public records.
To make sure your accounts report Positive, make sure your payment is made on the statement due date rather than just the due date.
It typically takes 30-60 days to complete this step and for your payments to report on your personal credit reports. Continue to search your reports regularly so you are aware when they start reporting
when planning on securing high limit funding, dont be afraid to go back a step and secure more accounts if you are not on track. when obtaining credit, the more positive accounts you have reporting demonstrates credibility to creditors and raises your scores boosting your profile & Chances of approval.
another alternative is to request a credit limit increase with the accounts you already have.
ASK AI
AMERICAN EXPRESS
GOLD CARD
HIGHLIGHTS
-High Credit Limit + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The American Express Gold Card is dining rewards royalty for high-spending foodies.
Among other benefits, the $250 annual fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases per year), and a $120-per-year dining credit.
-High Credit Limit + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The American Express Gold Card is dining rewards royalty for high-spending foodies.
Among other benefits, the $250 annual fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases per year), and a $120-per-year dining credit.
AMERICAN EXPRESS
PLATINUM
HIGHLIGHTS
-Rewards + Unlimited Credit Limit Options
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Platinum Card® from American Express would be the card of choice if the Real Housewives franchise had one. The American Express Platinum Card,
Cardholders will receive a high travel rewards rate: One Membership Rewards Point for every dollar spent on other qualifying items, five points for flights booked directly with airlines or through American Express Travel up to a $500,000 annual cap, and five points for pre-paid hotel reservations made through the travel agency.
-Rewards + Unlimited Credit Limit Options
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Platinum Card® from American Express would be the card of choice if the Real Housewives franchise had one. The American Express Platinum Card,
Cardholders will receive a high travel rewards rate: One Membership Rewards Point for every dollar spent on other qualifying items, five points for flights booked directly with airlines or through American Express Travel up to a $500,000 annual cap, and five points for pre-paid hotel reservations made through the travel agency.
AMERICAN EXPRESS
CENTURION BLACK CARD
HIGHLIGHTS
-Invite Only
Elite Rewards + Unlimited Credit Limit
Recommended Credit
740 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The American Express Centurion Card provides white-glove service to a select few. You'll need a personal invitation from AmEx to apply for the Black Card, and if accepted, you'll be charged a one-time $10,000 initiation fee on top of a $5,000 annual fee.
Although there is no published, sure-fire way to get invited to the Centurion card club, there are some "soft" requirements you can meet to increase your chances of approval.
The absolute minimum history you must have with American Express is one year.Although Amex does not publish a spending threshold for invitation, a good rule of thumb is that you must spend at least $250,000 in annual purchases across all of your Amex cards to be invited.
-Invite Only
Elite Rewards + Unlimited Credit Limit
Recommended Credit
740 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The American Express Centurion Card provides white-glove service to a select few. You'll need a personal invitation from AmEx to apply for the Black Card, and if accepted, you'll be charged a one-time $10,000 initiation fee on top of a $5,000 annual fee.
Although there is no published, sure-fire way to get invited to the Centurion card club, there are some "soft" requirements you can meet to increase your chances of approval.
The absolute minimum history you must have with American Express is one year.Although Amex does not publish a spending threshold for invitation, a good rule of thumb is that you must spend at least $250,000 in annual purchases across all of your Amex cards to be invited.
CITI
REWARDS PLUS
HIGHLIGHTS
-No Annual Fee + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
When compared to other rewards credit cards in its class, the Citi Rewards+ Card falls short.
Yes, low-income customers may appreciate the card's unique "round up" feature, which can make small purchases more rewarding.
-No Annual Fee + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
When compared to other rewards credit cards in its class, the Citi Rewards+ Card falls short.
Yes, low-income customers may appreciate the card's unique "round up" feature, which can make small purchases more rewarding.
CHASE
SAPPHIRE PREFERRED
HIGHLIGHTS
- Travel Rewards + High Credit Limit
Recommended Credit
670 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The $95 annual fee Chase Sapphire Preferred Card stands out as a versatile and valuable option for travelers.
With this card, you can earn rewards — known as Ultimate Rewards points — in a variety of ways and strategically redeem them for travel, such as transferring those points to a variety of loyalty programs, including major players like United Airlines, Southwest Airlines, Marriott, and Hyatt. It also works well with other Chase cards that earn Ultimate Rewards® points.
- Travel Rewards + High Credit Limit
Recommended Credit
670 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The $95 annual fee Chase Sapphire Preferred Card stands out as a versatile and valuable option for travelers.
With this card, you can earn rewards — known as Ultimate Rewards points — in a variety of ways and strategically redeem them for travel, such as transferring those points to a variety of loyalty programs, including major players like United Airlines, Southwest Airlines, Marriott, and Hyatt. It also works well with other Chase cards that earn Ultimate Rewards® points.
CHASE
SAPPHIRE RESERVE
HIGHLIGHTS
-Bonus Rewards
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Even with its annual fee of $550, the Chase Sapphire Reserve provides a lot of value for frequent travelers thanks to its high rewards rate, excellent benefits, and sign-up bonus.
-Bonus Rewards
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Even with its annual fee of $550, the Chase Sapphire Reserve provides a lot of value for frequent travelers thanks to its high rewards rate, excellent benefits, and sign-up bonus.
CITI
SIMPLICITY CARD
HIGHLIGHTS
-No annual fee + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Although the Citi Simplicity Card can help you pay down debt or finance a large purchase, it may not be the best option for either.
Its distinguishing feature is a lengthy 0% introductory APR period for balance transfers. This could make it a good choice for consolidating existing debt, but it earns no rewards.
-No annual fee + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Although the Citi Simplicity Card can help you pay down debt or finance a large purchase, it may not be the best option for either.
Its distinguishing feature is a lengthy 0% introductory APR period for balance transfers. This could make it a good choice for consolidating existing debt, but it earns no rewards.
US BANK
VISA PLATINUM
HIGHLIGHTS
-Intro Apr + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
If you need to finance a large purchase, the U.S. Bank Visa® Platinum Card may be a good option.
That's because the card has no annual fee and a long 0% introductory interest rate on purchases, as well as a good interest-free period on balance transfers from other cards.
-Intro Apr + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
If you need to finance a large purchase, the U.S. Bank Visa® Platinum Card may be a good option.
That's because the card has no annual fee and a long 0% introductory interest rate on purchases, as well as a good interest-free period on balance transfers from other cards.
TD
FLEXPAY CARD
HIGHLIGHTS
-No Annual Fee + Cash Rewards
Recommended Credit
690 - 850 (Fair)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Based in New Jersey In its expanding card portfolio, TD Bank includes a balance transfer credit card option. The TD FlexPay Credit Card card offers a competitive 0% APR period on balance transfers, but it seeks to differentiate itself from other balance transfer cards with two distinct features: a late payment forgiveness policy and the ability to skip a payment once per year.
-No Annual Fee + Cash Rewards
Recommended Credit
690 - 850 (Fair)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
Based in New Jersey In its expanding card portfolio, TD Bank includes a balance transfer credit card option. The TD FlexPay Credit Card card offers a competitive 0% APR period on balance transfers, but it seeks to differentiate itself from other balance transfer cards with two distinct features: a late payment forgiveness policy and the ability to skip a payment once per year.
TD
FIRST CLASS VISA
HIGHLIGHTS
-High Credit Limit + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The TD First Class Visa Signature Credit Card offers 3x miles on travel and dining purchases and 1x mile on all other purchases. This card is appealing to anyone looking for a basic travel-rewards card because of the new-member bonus-mile offer, low standard APR, and introductory APR on balance transfers for the first 12 billing cycles.
-High Credit Limit + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The TD First Class Visa Signature Credit Card offers 3x miles on travel and dining purchases and 1x mile on all other purchases. This card is appealing to anyone looking for a basic travel-rewards card because of the new-member bonus-mile offer, low standard APR, and introductory APR on balance transfers for the first 12 billing cycles.
CAPITAL ONE
VENTURE ONE REWARDS
HIGHLIGHTS
-No Annual Fee + Intro Offer
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
If you are not a frequent spender, the annual fee for a top travel credit card may be greater than the rewards you would receive. The Capital One VentureOne Rewards Credit Card — the no-fee version of Capital One's popular travel card — allows you to earn rewards without having to worry about a fee reducing their value.
-No Annual Fee + Intro Offer
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
If you are not a frequent spender, the annual fee for a top travel credit card may be greater than the rewards you would receive. The Capital One VentureOne Rewards Credit Card — the no-fee version of Capital One's popular travel card — allows you to earn rewards without having to worry about a fee reducing their value.
WELLS FARGO
REFLECT CARD
HIGHLIGHTS
- No Annual Fee + Intro Apr
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Wells Fargo Reflect Card, one of the newest additions to the issuer's expanding portfolio, is a solid option for consumers looking to pay off debt or a large purchase. The no-fee card has an extra-long promotional period for 0% intro APR on purchases and balance transfers, as well as the option to extend this period even longer.
- No Annual Fee + Intro Apr
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Wells Fargo Reflect Card, one of the newest additions to the issuer's expanding portfolio, is a solid option for consumers looking to pay off debt or a large purchase. The no-fee card has an extra-long promotional period for 0% intro APR on purchases and balance transfers, as well as the option to extend this period even longer.
BANK OF AMERICA
UNLIMITED CASH REWARDS
HIGHLIGHTS
- No Annual Fee + High Credit Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Bank of America Unlimited Cash Rewards credit card has no annual fee and can be combined with other Bank of America credit cards to earn the most rewards, but you won't get the most out of it unless you're a loyal Bank of America customer.
If you don't have any Bank of America® bank accounts or Merrill accounts, you'll get a decent 1.5% rewards rate on all purchases. That rate is respectable, but it falls short of multiple competitors' solid 2% rewards rate.
- No Annual Fee + High Credit Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Bank of America Unlimited Cash Rewards credit card has no annual fee and can be combined with other Bank of America credit cards to earn the most rewards, but you won't get the most out of it unless you're a loyal Bank of America customer.
If you don't have any Bank of America® bank accounts or Merrill accounts, you'll get a decent 1.5% rewards rate on all purchases. That rate is respectable, but it falls short of multiple competitors' solid 2% rewards rate.
BANK OF AMERICA
PREMIUM REWARDS
HIGHLIGHTS
- Signup + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
Al Bureaus
TERMS:
Unsecured Credit Card
Frequent travelers looking for credit card rewards flexibility should consider the Bank of America Premium Rewards® credit card, especially if they are already Bank of America customers with large balances in their accounts. Cardholders can earn a great sign-up bonus, good reward rates, and points that have the same value regardless of how they are redeemed for a relatively low annual fee.
- Signup + High Credit Limit
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
Al Bureaus
TERMS:
Unsecured Credit Card
Frequent travelers looking for credit card rewards flexibility should consider the Bank of America Premium Rewards® credit card, especially if they are already Bank of America customers with large balances in their accounts. Cardholders can earn a great sign-up bonus, good reward rates, and points that have the same value regardless of how they are redeemed for a relatively low annual fee.
BANK OF AMERICA
PREMIUM REWARDS ELITE
HIGHLIGHTS
- Rewards + High Credit Limit
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
With a $550 annual fee, the Bank of America Premium Rewards Elite credit card competes directly with premium credit cards such as the Chase Sapphire Reserve and the American Express Platinum Card. The Premium Rewards Elite card comes with free lounge access and a slew of travel credits, as one would expect for the price.
- Rewards + High Credit Limit
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
With a $550 annual fee, the Bank of America Premium Rewards Elite credit card competes directly with premium credit cards such as the Chase Sapphire Reserve and the American Express Platinum Card. The Premium Rewards Elite card comes with free lounge access and a slew of travel credits, as one would expect for the price.
NAVY FEDERAL
FLAGSHIP REWARDS
HIGHLIGHTS
- Rewards + High Credit Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Navy Federal Credit Union Visa Signature Flagship Rewards Card* may pique your interest if you enjoy traveling and don't mind paying a $49 annual fee. The card offers three points for every dollar spent on travel and two points for every dollar spent on everything else. The card outperforms other travel rewards cards in terms of earnings and benefits for the price.
- Rewards + High Credit Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Navy Federal Credit Union Visa Signature Flagship Rewards Card* may pique your interest if you enjoy traveling and don't mind paying a $49 annual fee. The card offers three points for every dollar spent on travel and two points for every dollar spent on everything else. The card outperforms other travel rewards cards in terms of earnings and benefits for the price.
NAVY FEDERAL
PLATINUM CARD
HIGHLIGHTS
- No Annual Fee + Intro Apr
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Navy Federal Credit Union Platinum Credit Card could be an excellent choice for anyone looking to reduce high-interest debt.
The card has no annual fee, no balance transfer fees, and, for those who qualify, a potentially low intro APR offer for balance transfers. It is unusual to find a credit card that waives balance transfer fees.
- No Annual Fee + Intro Apr
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Navy Federal Credit Union Platinum Credit Card could be an excellent choice for anyone looking to reduce high-interest debt.
The card has no annual fee, no balance transfer fees, and, for those who qualify, a potentially low intro APR offer for balance transfers. It is unusual to find a credit card that waives balance transfer fees.
PENFED
GOLD VISA
HIGHLIGHTS
- No Annual Fee + High Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Gold Visa Card's main selling point is its low purchase APR. The 17.99% Variable APR range is industry leading for those with good credit. Among credit card APRs, the low end of the range is unquestionably low.
- No Annual Fee + High Limit
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The Gold Visa Card's main selling point is its low purchase APR. The 17.99% Variable APR range is industry leading for those with good credit. Among credit card APRs, the low end of the range is unquestionably low.
PENFED
PLATINUM REWARDS
HIGHLIGHTS
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The PenFed Platinum Rewards Visa Signature Card earns an unlimited 5 points per dollar spent at the gas pump, with no annual fee.
That is one of the best gas rewards rates available anywhere.
Aside from unlimited fuel rewards, the card also offers unlimited 3 points per dollar on groceries and an unlimited 1 point per dollar on all other qualifying purchases.
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
The PenFed Platinum Rewards Visa Signature Card earns an unlimited 5 points per dollar spent at the gas pump, with no annual fee.
That is one of the best gas rewards rates available anywhere.
Aside from unlimited fuel rewards, the card also offers unlimited 3 points per dollar on groceries and an unlimited 1 point per dollar on all other qualifying purchases.
DCU
VISA PLATINUM
HIGHLIGHTS
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
DCU Federal Credit Union (DCU) members are eligible for the DCU Visa line of cards, including the DCU Visa Platinum Credit Card. It's a no-frills card with no rewards but a low range of APRs, making it a good option if you plan to carry a balance.
This credit card has a great interest rate and even better rewards.
There are no annual fees, balance transfer fees, foreign transaction fees, or cash advance fees.
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Credit Card
DCU Federal Credit Union (DCU) members are eligible for the DCU Visa line of cards, including the DCU Visa Platinum Credit Card. It's a no-frills card with no rewards but a low range of APRs, making it a good option if you plan to carry a balance.
This credit card has a great interest rate and even better rewards.
There are no annual fees, balance transfer fees, foreign transaction fees, or cash advance fees.
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