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You need
at least 5 - 10 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 4 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.
ASK AI
CITI | AT&T
POINTS PLUS CARD
HIGHLIGHTS
-Rewards + Signup Bonus
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Citi AT&T Points Plus Card, as the name suggests, offers AT&T customers benefits, specifically a statement credit on their wireless bill every billing cycle. There is also a sign-up bonus and no annual fee with this card. To earn the credits, however, you must spend enough on the card and agree to enroll in autopay; additionally, purchases made at AT&T will not earn you any extra points.
-Rewards + Signup Bonus
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Citi AT&T Points Plus Card, as the name suggests, offers AT&T customers benefits, specifically a statement credit on their wireless bill every billing cycle. There is also a sign-up bonus and no annual fee with this card. To earn the credits, however, you must spend enough on the card and agree to enroll in autopay; additionally, purchases made at AT&T will not earn you any extra points.
CITI | AMERICAN AIRLINES
AADVANTAGE MILEUP
HIGHLIGHTS
-No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
American Airlines AAdvantage MileUp is an appealing option for households that do not want to pay annual fees and only fly on occasion. It gives you more points for eligible American Airlines and grocery purchases.
-No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
American Airlines AAdvantage MileUp is an appealing option for households that do not want to pay annual fees and only fly on occasion. It gives you more points for eligible American Airlines and grocery purchases.
CITI | AMERICAN AIRLINES
AADVANTAGE PLATINUM SELECT
HIGHLIGHTS
- Travel Rewards + Signup Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Citi / AAdvantage Platinum Select World Elite Mastercard is a good option for anyone looking to earn AAdvantage miles while also receiving basic benefits like preferred boarding and free checked bags on domestic flights without paying an exorbitant annual fee. It also comes with a sizable welcome bonus of 50,000 AAdvantage bonus miles after spending $2,500 in the first three months of account opening.
- Travel Rewards + Signup Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Citi / AAdvantage Platinum Select World Elite Mastercard is a good option for anyone looking to earn AAdvantage miles while also receiving basic benefits like preferred boarding and free checked bags on domestic flights without paying an exorbitant annual fee. It also comes with a sizable welcome bonus of 50,000 AAdvantage bonus miles after spending $2,500 in the first three months of account opening.
CITI | AMERICAN EXPRESS
AADVANTAGE EXECUTIVE
HIGHLIGHTS
-Bonus Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
For American Airlines frequent flyers, the Citi / AAdvantage Executive World Elite Mastercard offers a respite from the hectic atmosphere of airport gates: It gives you access to the airline's prestigious Admirals Club airport lounges.
-Bonus Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
For American Airlines frequent flyers, the Citi / AAdvantage Executive World Elite Mastercard offers a respite from the hectic atmosphere of airport gates: It gives you access to the airline's prestigious Admirals Club airport lounges.
CHASE | DISNEY
PREMIER VISA
HIGHLIGHTS
-Intro Apr + Bonus Categories
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
Disney fans will enjoy selecting their favorite character-themed card art and taking advantage of the few Disney discounts and perks available within the parks with this card.
-Intro Apr + Bonus Categories
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
Disney fans will enjoy selecting their favorite character-themed card art and taking advantage of the few Disney discounts and perks available within the parks with this card.
CHASE | SOUTHWEST AIRLINES
RAPID REWARDS PLUS
HIGHLIGHTS
-Signup Bonus + Travel Rewards
Recommended Credit
690 - 850 (Fair)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Southwest Rapid Rewards Plus Credit Card isn't the most visually appealing of the three co-branded Chase cards in the Rapid Rewards family, but it's also not the worst. all three Southwest credit cards have the same annual percentage rate (APR) and welcome bonus, bringing you closer to obtaining the coveted Southwest Companion Pass (or, in some cases, a first-year Companion Pass included after required spending).
-Signup Bonus + Travel Rewards
Recommended Credit
690 - 850 (Fair)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Southwest Rapid Rewards Plus Credit Card isn't the most visually appealing of the three co-branded Chase cards in the Rapid Rewards family, but it's also not the worst. all three Southwest credit cards have the same annual percentage rate (APR) and welcome bonus, bringing you closer to obtaining the coveted Southwest Companion Pass (or, in some cases, a first-year Companion Pass included after required spending).
CHASE | SOUTHWEST AIRLINES
RAPID REWARDS PRIORITY
HIGHLIGHTS
-Anniversary Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Southwest Rapid Rewards Priority Credit Card is Southwest Airlines' most expensive consumer credit card, but it doesn't offer significantly better rewards or a larger sign-up bonus. Instead, it unlocks a slew of potentially valuable benefits, making it the best card for Southwest die-hards.
-Anniversary Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Southwest Rapid Rewards Priority Credit Card is Southwest Airlines' most expensive consumer credit card, but it doesn't offer significantly better rewards or a larger sign-up bonus. Instead, it unlocks a slew of potentially valuable benefits, making it the best card for Southwest die-hards.
CHASE | SOUTHWEST AIRLINES
RAPID REWARDS PREMIER
HIGHLIGHTS
-Travel Rewards + Perks
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
When you think of airline credit cards, the Southwest Rapid Rewards Premier Credit Card is probably not the first card that comes to mind. However, if you frequently fly Southwest, enjoy chasing the Companion Pass, and enjoy redeeming Rapid Rewards points, this card is worth considering.
-Travel Rewards + Perks
Recommended Credit
720 - 850 (Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
When you think of airline credit cards, the Southwest Rapid Rewards Premier Credit Card is probably not the first card that comes to mind. However, if you frequently fly Southwest, enjoy chasing the Companion Pass, and enjoy redeeming Rapid Rewards points, this card is worth considering.
CHASE | UNITED AIRLINES
EXPLORER MILEAGE PLUS
HIGHLIGHTS
-Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The United Explorer card offers numerous benefits that frequent United flyers will appreciate.
The card not only allows you to earn more United miles, but it also allows you to save money on each flight by providing benefits such as free checked bags and a 25% discount on in-flight purchases.
-Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The United Explorer card offers numerous benefits that frequent United flyers will appreciate.
The card not only allows you to earn more United miles, but it also allows you to save money on each flight by providing benefits such as free checked bags and a 25% discount on in-flight purchases.
CHASE | UNITED AIRLINES
QUEST MILEAGE PLUS
HIGHLIGHTS
- Travel Rewards + Intro Bonus Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Chase United Quest Card allows United Airlines passengers to earn more miles and benefits than with the carrier's more basic cards, while avoiding the massive annual fee for the most expensive card, which includes airport lounge access.
- Travel Rewards + Intro Bonus Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Chase United Quest Card allows United Airlines passengers to earn more miles and benefits than with the carrier's more basic cards, while avoiding the massive annual fee for the most expensive card, which includes airport lounge access.
CHASE | UNITED AIRLINES
GATEWAY MILEAGE PLUS
HIGHLIGHTS
-Invite Only
Travel Rewards + No Annual Fee
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Chase United Gateway Card is an appealing option for frequent United Airlines leisure flyers.
It is an airline credit card with no annual fee, which means that it will not cost you anything to carry, even if you rarely use it. It also earns frequent flyer miles with United Mileage Plus.
-Invite Only
Travel Rewards + No Annual Fee
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Chase United Gateway Card is an appealing option for frequent United Airlines leisure flyers.
It is an airline credit card with no annual fee, which means that it will not cost you anything to carry, even if you rarely use it. It also earns frequent flyer miles with United Mileage Plus.
CHASE | UNITED AIRLINES
INFINITE MILEAGE PLUS
HIGHLIGHTS
- No Annual Fee + Intro Apr
Recommended Credit
720 - 850 ( Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The United Club Infinite Card grants frequent flyers access to United Airlines' exclusive lounges, allowing them to escape the hustle and bustle of the airport terminal.
Furthermore, the card provides accelerated rewards on United purchases, as well as a number of other attractive benefits.
- No Annual Fee + Intro Apr
Recommended Credit
720 - 850 ( Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The United Club Infinite Card grants frequent flyers access to United Airlines' exclusive lounges, allowing them to escape the hustle and bustle of the airport terminal.
Furthermore, the card provides accelerated rewards on United purchases, as well as a number of other attractive benefits.
CHASE | AIR CANADA
AEROPLAN CARD
HIGHLIGHTS
- Travel Rewards + Perks
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
One of the most appealing co-branded airline credit cards available is the Aeroplan Credit Card.Even if you have no affiliation with Air Canada or Aeroplan, the program is excellent for partner redemption's, and this card is well worth considering.
- Travel Rewards + Perks
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
One of the most appealing co-branded airline credit cards available is the Aeroplan Credit Card.Even if you have no affiliation with Air Canada or Aeroplan, the program is excellent for partner redemption's, and this card is well worth considering.
CHASE | MARRIOTT
MARRIOTT BONVOY BOUNDLESS
HIGHLIGHTS
- Travel Rewards + Anniversary Perks
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Marriott Bonvoy Boundless Credit Card is well worth the $95 annual fee for frequent hotel guests.
The card includes a slew of first-rate benefits, such as a free hotel night once a year, automatic elite status, and a plethora of redemption options. It's a good option for frequent travelers who stay at Marriott's extensive portfolio of properties.
- Travel Rewards + Anniversary Perks
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Marriott Bonvoy Boundless Credit Card is well worth the $95 annual fee for frequent hotel guests.
The card includes a slew of first-rate benefits, such as a free hotel night once a year, automatic elite status, and a plethora of redemption options. It's a good option for frequent travelers who stay at Marriott's extensive portfolio of properties.
CHASE | MARRIOTT
MARRIOTT BONVOY BOUNTIFUL
HIGHLIGHTS
- Travel Rewards + Bonus Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
Marriott Bonvoy is expanding its credit card portfolio with the Marriott Bonvoy BountifulTM Card, a $250-annual-fee card with a sizable welcome bonus but little else that sets it apart from other Bonvoy card members.
- Travel Rewards + Bonus Offer
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
Marriott Bonvoy is expanding its credit card portfolio with the Marriott Bonvoy BountifulTM Card, a $250-annual-fee card with a sizable welcome bonus but little else that sets it apart from other Bonvoy card members.
CHASE | MARRIOTT
BONVOY BOLD
HIGHLIGHTS
- Travel Rewards + Perks
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Marriott Bonvoy Bold Credit Card is a great option for frugal travelers looking for a hotel card with no annual fee. It has enticing features like a sign-up bonus, solid ongoing rewards, and automatic elite status. It doesn't include a free anniversary night — you'd have to get the annual-fee version for that — but the card can still be useful, even for those who don't stay at Marriott properties frequently.
- Travel Rewards + Perks
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Marriott Bonvoy Bold Credit Card is a great option for frugal travelers looking for a hotel card with no annual fee. It has enticing features like a sign-up bonus, solid ongoing rewards, and automatic elite status. It doesn't include a free anniversary night — you'd have to get the annual-fee version for that — but the card can still be useful, even for those who don't stay at Marriott properties frequently.
CHASE | IHG
ONE REWARDS TRAVELER
HIGHLIGHTS
- No Annual Fee + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The IHG One Rewards Traveler Credit Card is an attractive option for applicants seeking a more dynamic co-branded hotel credit card with benefits for staying at IHG hotels. While you only get one point for every dollar spent on everyday purchases, you can use it at other IHG properties, gas stations, grocery stores, and restaurants. This card can assist you in achieving Gold Elite status, which entitles you to a 10% discount on hotel stays.
- No Annual Fee + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The IHG One Rewards Traveler Credit Card is an attractive option for applicants seeking a more dynamic co-branded hotel credit card with benefits for staying at IHG hotels. While you only get one point for every dollar spent on everyday purchases, you can use it at other IHG properties, gas stations, grocery stores, and restaurants. This card can assist you in achieving Gold Elite status, which entitles you to a 10% discount on hotel stays.
CHASE | IHG
ONE REWARDS PREMIER
HIGHLIGHTS
- Travel Rewards + Perks
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The $99 annual fee for the IHG One Rewards Premier Credit Card can be a valuable asset in the wallets of IHG fans. While outside of IHG, earning potential is limited, perks such as a fourth reward night on award stays and an annual anniversary reward night can add significant value to any traveler's wallet.
- Travel Rewards + Perks
Recommended Credit
680 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The $99 annual fee for the IHG One Rewards Premier Credit Card can be a valuable asset in the wallets of IHG fans. While outside of IHG, earning potential is limited, perks such as a fourth reward night on award stays and an annual anniversary reward night can add significant value to any traveler's wallet.
CHASE | HYATT
WORLD OF HYATT
HIGHLIGHTS
- Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The World of Hyatt Credit Card is well worth the $95 annual fee for travelers who prefer the Hyatt family of hotel brands. Every year on the anniversary of your card, you'll receive a complimentary one-night stay certificate redeemable at any Hyatt hotel in a category 1 to 4. If used, this benefit should be worth more than the cost of keeping the card. Simply holding the card grants Discoverist elite status. With five qualifying night credits awarded each year and two additional credits earned for every $5,000 spent, it's also easier to advance to higher tiers of elite status.
- Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The World of Hyatt Credit Card is well worth the $95 annual fee for travelers who prefer the Hyatt family of hotel brands. Every year on the anniversary of your card, you'll receive a complimentary one-night stay certificate redeemable at any Hyatt hotel in a category 1 to 4. If used, this benefit should be worth more than the cost of keeping the card. Simply holding the card grants Discoverist elite status. With five qualifying night credits awarded each year and two additional credits earned for every $5,000 spent, it's also easier to advance to higher tiers of elite status.
AMERICAN EXPRESS | HILTON
HILTON HONORS
HIGHLIGHTS
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
If you travel a few times a year and always stay at Hilton hotels, the Hilton Honors card may be ideal for you.
It's an excellent choice for low-budget travelers because there is no annual fee, but you can still earn points to redeem for free hotel nights. Because of the complimentary Silver status, you'll also earn 20% more points on all of your stays.
- No Annual Fee + Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
If you travel a few times a year and always stay at Hilton hotels, the Hilton Honors card may be ideal for you.
It's an excellent choice for low-budget travelers because there is no annual fee, but you can still earn points to redeem for free hotel nights. Because of the complimentary Silver status, you'll also earn 20% more points on all of your stays.
AMERICAN EXPRESS | HILTON
HILTON HONORS SURPASS
HIGHLIGHTS
- Bonus Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Hilton Honors American Express Surpass Card provides good earnings at Hilton properties as well as automatic Hilton Gold elite status, which includes free breakfast, higher earnings, and space-available upgrades when staying at Hilton properties. The status benefit alone may be worth the $95 annual fee for the card.
- Bonus Perks + Travel Rewards
Recommended Credit
690 - 850 (Good - Excellent)
REPORTS TO:
All Bureaus
TERMS:
Unsecured Co-branded Credit Card
The Hilton Honors American Express Surpass Card provides good earnings at Hilton properties as well as automatic Hilton Gold elite status, which includes free breakfast, higher earnings, and space-available upgrades when staying at Hilton properties. The status benefit alone may be worth the $95 annual fee for the card.
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