This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
2.8
fees: 4.7
rewards: 0.0
cost: 2.3
APR: 3.0
Purchase Intro APR→0% for 6 months
Transfer Intro APR→0% for 6 months|Transfer Fee:$0
Redeem points online for gift cards, cash back, and more.
Additional Info
The balance transfer fee is waived for balance transferred at time of account opening. After that, the balance transfer fee is either $10 or 3% of each transfer (whichever is greater), up to maximum of $100.
Get automatic coverage by accidental death and dismemberment protection when traveling by any common carrier worldwide.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR→18.24% - 27.74% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
18.24% - 27.74% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee.
Pros
$200 initial bonus
Earn rate: 1.5 - 5% cash back
0% for 15 months on purchases and balance transfers
$0 annual fee
Cons
Balance transfer fee
Foreign transaction fee
Potential for a high regular APR
Rewards Details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Additional Info
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.9
User Reviews
3.3
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase Intro APR→0% for 12 months from account opening
Transfer Intro APR→0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR→18.49%, 24.49%, or 28.49% Variable
Purchase Intro APR
0% for 12 months from account opening
Transfer Intro APR
0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
Regular APR
18.49%, 24.49%, or 28.49% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good
WalletHub's Take: The Wells Fargo Active Cash® Card is one of the best all-around credit cards available right now. You should get the Active Cash Card if you have a credit score of 700 or higher and you want to earn above-average rewards without any hassle and without paying an annual fee. It’s also worthwhile for people interested in 0% introductory APRs and up to $600 in cell phone protection.
Pros
$200 cash rewards bonus
$0 annual fee
2% cash rewards on purchases
0% introductory APR
Cons
High regular APR
Foreign transaction fee
Balance transfer fee
Rewards Details
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Additional Info
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
4.4
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 28.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 28.49% (V)
annual fee
$95
rewards rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Bonus Offer
75,000 miles
minimum credit
Good
WalletHub's Take: The Capital One Venture Card is a very good travel rewards credit card for people with a good credit who don't want to be tied down to a single travel provider. With an early spend bonus worth $750 in travel, double miles on all purchases and a reasonable annual fee, it’s clear why the Venture Card is so popular.
Pros
Earn a 75,000 miles bonus
Unlimited 2 miles per $1 on every purchase
Redeem for any-travel related expense
$0 foreign transaction fee
Cons
Annual fee
Not built for financing
Rewards Details
Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Additional Info
Top rated mobile app
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
One of the worst credit cards to have now. It constantly freezes my transactions as fraud when they are legit and keeps you on the line forever to question you, no matter how small the amount. The biggest issue is they limit you on how many payments you can make within a month. So don't make any extra payments because when your bill is due, they will block you from making the payment both online and over the phone, because you already made some sort of payment. You can, however, make a payment with a rep for a fee. I canceled my card immediately. To make it clear, they block you from making more than one payment and then force you to pay a fee to make your payment over the phone if your due date falls before the time frame they unblock your payments. I was told we were notified of these changes in March 2025. Make sure you read all those pages every month when you make a payment! No thank you. What's in my wallet? Not Cortrust anymore.
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Product: CorTrust Bank Credit Cards
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0
0
Toni Curry Gregory @toniprice1964
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5 Star Rating
Verified Customer
CorTrust is one of the first cards that gave me credit on my journey to building my credit. I am thankful for them giving me a chance.
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Product: CorTrust Bank Credit Cards
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0
0
Christopher Swenson @apocalyptic
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1 Star Rating
They continually shut off my automatic payments, causing me to fall behind. I have seven credit cards and a debit card and experience zero problems with any of the other accounts. So, I set up auto-pay by phone with a representative again and this time closed the account, so I only owe the balance and any additional fees they impose. Nonetheless, they turned off my auto-pay again and claim I'm the one doing it. That's a falsehood. For the last three months, after setting it up by phone for the third or fourth time, Cortrust is once more telling me I'm two months behind. I'm so over it; I'm debating whether to just accept the hit to my credit score. I'm tired of dealing with this institution.
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Product: CorTrust Bank Credit Cards
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0
0
Michael Martino @nycity823
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1 Star Rating
Verified Customer
Paid collection agency, even though this is not my debt, in Nov 2021. It's still on my report March 2024. I'm not paying anymore, as I did not make this charge.
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Product: CorTrust Bank Credit Cards
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0
0
Bridget @bbarr220
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1 Star Rating
Verified Customer
Hard to pay the bill and reports inaccurate information. It is tan by two apps. Cannot set up reoccurring payments and it is hard to monitor until they are calling you
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Product: CorTrust Bank Credit Cards
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0
0
Ken Lee @whystress1977
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1 Star Rating
The customer service is absolutely disgusting! I was on hold long pey of time. I had a payment ran that was unauthorized. I'm closing this account, I would not recommend ever.
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Product: CorTrust Bank Credit Cards
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0
0
DeAdra Walker @Customer215
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1 Star Rating
I had a horrendous experience after years with this card that honestly prompted me to close the account completely.
I'd spotted activity on the card that wasn't mine and reached out to customer service. Customer service then sent me to another number who told me that I was misdirected. I was sent back to customer service. Customer service told me they'd send out a new card. They charged me $20 for the card. I asked why I was being charged when I didn't lose my card... there was fraud detected... They removed the fee. I received my new card and went to activate it. I was told that that card had been canceled and a new replacement had been sent. I didn't ask for that 2nd replacement. I was told that that replacement was sent early in the month and was clearly lost at this point so they could send another replacement, but that would take 10 business days. I said absolutely not- I didn't ask for the 2nd replacement and asked how I could get it sooner. They told me that I would need to pay to have it rushed.
So in short, I found fraudulent activity. I alerted my credit card company. They made a mistake. They then expected me to pay to remedy it on my terms.
I closed the account. The run around and the headache wasn't worth it and the lack of customer service was deplorable. Save your time and money and venture elsewhere.
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Product: CorTrust Bank Credit Cards
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0
0
shaglavia_johnson @shaglavia_johnson
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1 Star Rating
This card is not good especially far as giving credit increase, I have been with them almost 2 yrs, never late, I love capital one, credit one number 1 I’m going to pay them off and close this car doesn’t help your credit not one bit, so don’t wast your time
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Product: CorTrust Bank Credit Cards
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0
0
Erica Rae Rodriguez @ericaraedickersonrodriguez
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1 Star Rating
Verified Customer
This is a rip off the interest is so high I have to do alot of let's just say things to be able to make my payments things I haven't done in a whole but looks like I'm back on my back
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Product: CorTrust Bank Credit Cards
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0
0
Christie Marinaro @ChristieMarinar
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1 Star Rating
I got approved for this card. Did not get the card until after the first payment was due. Did not activate card at all. The company will not take off late for for card I did not even know I was approved for when payment was due. I closed the account, but am still responsible for the $75 yearly fee and $30 late fee. This is a crappy company. Do not even bother. Now credit I have been working on for years to improve will be messed up due to this card.
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Product: CorTrust Bank Credit Cards
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0
Review CorTrust Bank Credit Card
CorTrust Bank Credit Card FAQ
Get answers to your questions about CorTrust Bank Credit Card below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way to apply for a CorTrust Bank credit card is online. Alternatively, you can submit an application at your local CorTrust Bank branch. Applying by phone is not possible, but if you have any questions about the application process or the card's features, you can call customer service at (605) 996-0554.
How to Apply for a CorTrust Bank Credit Card
Online: Visit the CorTrust Bank dedicated page and click “Apply Now.” You will need to fill out a form with your personal and financial information.
At a branch: If you'd rather submit an application in person, visit your local CorTrust Bank branch and let a representative know that you would like to apply. You can also download an application form, fill it in, and print it out to have it ready for when you visit your local branch.
Right now, CorTrust Bank only offers one personal credit card, the CorTrust Bank CorPlatinum Credit Card. The card requires at least good credit for approval. Plus, the CorTrust Bank CorPlatinum Credit Card has a $0 annual fee.
To talk to CorTrust Bank customer service, call (800) 252-0048 and then wait to be connected to an agent. This process will get you in contact with a live CorTrust Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to CorTrust Bank Customer Service by Phone
Call the CorTrust Bank customer service department at (800) 252-0048.
You can check your CorTrust Bank credit card application status by calling 1-888-883-9826. When you call, listen to the automated menu and press the key to check your status, then verify your identity so CorTrust Bank can match you to your application. You unfortunately cannot check your CorTrust Bank application status online.
How to Check Your CorTrust Bank Credit Card Application Status
A CorTrust Bank credit card grace period is at least 25 days, lasting from the end of the billing cycle until the payment due date. You can find your grace period listed on the monthly statement. If you pay your statement balance in full every month, CorTrust Bank will not charge you any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less...
All CorTrust Bank credit cards are on the Visa network right now. CorTrust Bank currently does not have any credit card offers available on the Mastercard network.
You can use a CorTrust Bank Visa credit card at nearly 11 million merchants nationwide, and you can use it abroad in more than 200 countries and territories. Your card will also come with various types of benefits, depending on which tier of card it is.
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* The information about the following cards has been independently collected
by WalletHub: CorTrust Bank CorPlatinum Credit Card.
