Hilton Worldwide is the largest hotel chain in the U.S. and the second-largest globally, with more than 920,000 rooms across 117 countries. The company’s loyalty program, Hilton Honors Rewards, is also one of the most popular among travel-minded consumers, boasting more than 100 million members.
Quick Review:OneMain Financial loans are best for people with less than perfect credit, as both unsecured and secured personal loans are available. OneMain also has flexible lending terms, allowing consumers to pay back their loans in 24 - 60 months. However, OneMain personal loans are not ideal for people with excellent credit. The lowest possible APR is 18.00%, which is far higher than the minimum charged by many competing lenders (around 6%).
There’s also an element of uncertainty when it comes to fees on OneMain Financial loans. You will owe an origination fee, but it depends entirely on the state in which you live. Below, you can find more information about the major pros and cons of OneMain Financial personal loans and see how they compare to offers from other lenders.
Minimum credit score not disclosed: reportedly 660+
Not available without an SSN
$39 late fee
APRs as high as 24.99%
No co-signers allowed
Quick Review: Discover personal loans are great for people who have a credit score of 660 or higher and want to borrow up to $35,000 at a time. Discover loans are especially good if you want a long repayment period, as Discover’s payoff timelines start at 36 months and go as long as 84 months. Plus, Discover’s personal loan APRs can be as low as 6.99%, which makes them useful for people who want to consolidate existing debt at a low cost.
There are a few drawbacks to be aware of when considering a personal loan from Discover, however. Discover isn’t especially transparent about their credit score requirements. And they also don’t allow co-signers.
Min. credit score not disclosed: reportedly 600-640
APRs as high as 35.89%
1% - 6% origination fee
Late fee: 5% of payment (min. $15)
Quick Review: LendingClub personal loans can be a good option for people with bad-to-fair credit, as there are reports of applicants being approved with credit scores between 600 and 640. However, people with subpar credit will likely find themselves at the upper end of the LendingClub interest rate range, which is 6.99% - 35.89%. Conversely, people with excellent credit could qualify for rates at the low end, below 10%. All LendingClub loans are for 36 or 60 months.
Unfortunately, LendingClub loans aren’t fee-free. The LendingClub origination fee is 1% - 6%, and it will be deducted from the original amount you receive. The fee depends on your credit, income and other factors.
Smoking doesn’t just ruin your health. It can also burn a nasty hole through your wallet. Tobacco use accounts for nearly half a million deaths in the U.S. each year and is the leading cause of lung cancer, according to the American Lung Association. Even those around tobacco smokers aren’t safe from its harmful effects. Since 1964, smoking-related illnesses have claimed over 20 million lives in the U.S., 2.5 million of which belonged to nonsmokers who developed diseases merely from secondhand-smoke exposure.
However, the economic and societal costs of smoking are just as huge. Every year, smoking costs the U.S. more than $300 billion, which includes both medical care and lost productivity. Unfortunately, some people will have to pay more depending on the state in which they live.
NetCredit Review Summary:NetCredit offers personal loans of $1,000 to $10,000 to people of all credit levels, even those with bad credit. But with their relaxed approval requirements are supported by extremely high APRs: 34% to 155%.
NetCredit’s rates are cheaper than those of so-called “payday lenders” which can charge 400% or more interest. They’re also longer-lasting, as rather than paying out of your next paycheck, you’ll have to pay your loan off within 6 to 60 months. But despite being better than payday lenders, NetCredit is a lot worse than other personal loan providers. In addition, NetCredit only offers loans in 14 states, so most people in the U.S. can’t even apply.
Amex Green Review Summary: The revamped American Express® Green Card is a charge card for people with good or excellent credit who want to earn extra rewards on travel expenses and dining at restaurants. It is best for high-spenders who plan to pay the bill in full each month and anticipate spending enough to more than cover the cost of the card’s $150 annual fee via rewards earnings.
The Amex Green Card’s best features are its bonus rewards and travel benefits. New applicants can earn an initial bonus of 30,000 points by spending $2,000 within 3 months of opening a new account. All cardholders earn 3 points per $1 spent on travel-related purchases and at restaurants worldwide. And that’s supplemented by hundreds of dollars in credits annually, to cover the cost of expedited airport security screening and airport lounge access.
In 1963, Dr. Martin Luther King Jr. introduced the world to his dream of a colorblind society — one that focuses on character, not on complexion. America has certainly come closer to realizing Dr. King’s vision. But segregation and discrimination continue to persist.
Race relations have been in a rough patch recently. According to a 2019 survey by the Pew Research Center, 45 percent of Americans say the U.S. hasn’t done enough to give black Americans equal rights to white Americans. In addition, 58 percent of Americans think race relations are “generally bad” and 53 percent think they are getting worse.
A good APR for a credit card is 14% and below. That's roughly the average APR among credit card offers for people with excellent credit. And a great APR for a credit card is 0%. The right 0% credit card could help you avoid interest entirely on big-ticket purchases or reduce the cost of existing debt. But you generally need at least good credit to qualify for such a card, and 0% APRs only last for a limited time. As a result, the very best APR for a credit card is one you don't need to worry about. If you pay your bill in full every month, your credit card's interest rate is irrelevant because it will never apply. And you don't need a certain credit score to accomplish that.
When you compare Visa vs. Visa Signature, the biggest difference is that Visa Signature cards have more benefits. All Visa credit cards come with benefits such as rental car insurance, roadside dispatch and emergency card replacement. On top of those “Visa Traditional” perks, Visa Signature credit cards give you extended warranties, a detailed year-end summary and travel assistance services.
Once you get a credit card, you can build credit by using it every month, paying off your purchases on time and keeping a low credit utilization (less than 30%). But there are many ways to build credit with a credit card other than making purchases and payments. For instance, you could lock your credit card in a drawer, and your score would still improve.
Online store credit cards with guaranteed approval don’t exist. No credit card company can guarantee approval for every single person who applies for one of its cards, as there are always some minimum standards to meet (some cards are from WalletHub partners). You also need to be a U.S. resident with a U.S. mailing address and either a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) to be eligible, in most cases. Being in active bankruptcy will automatically disqualify you for most cards, too.
Credit card miles work by rewarding you for making purchases using your card and then allowing you to use your stockpiled miles for travel, gift cards, cash back or other options. Credit card miles are one of the three major types of credit card rewards, the other two being cash back and points. Points and miles basically function the same way, but miles are more closely tied to travel, especially air travel.
How many different types of credit cards there are depends on how you look at it. There’s a strong case to be made that there are two types of credit cards, but there are actually three different arguments for that. On the one hand, you could group cards based on whether they require you to place a refundable security deposit. Secured credit cards do; unsecured credit cards don’t. You could also segment things based on where a card can be used. Credit cards with the Visa, Mastercard, American Express or Discover logo can be used anywhere. Store credit cards can only be used at the retailers they’re affiliated with. Or you could split up the offers based on whether they require you to pay your bill in full every month. Charge cards; other credit cards don’t.
Small business credit cards without a personal guarantee are very rare. A representative of the company almost always has to agree to personally pay any balances the business cannot. Large corporations with tens of millions of dollars in annual revenue can get corporate credit card accounts using their assets as collateral. And there are a handful of outliers available to smaller companies, half of which work only at specific gas station chains. But most small business owners will have to give their personal guarantee to get a business credit card. When you apply for most major business credit cards, you will have to list your own Social Security number as well as your company’s Tax Identification Number. The terms and conditions will state that both you and your business are liable for balances. And the issuer will review your credit history, as well as that of your company, before making a decision.
There are very few store credit cards for bad credit. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database of 1,000+ credit card offers. But there are exceptions from time to time. Right now, the best store credit card for bad credit is the Fingerhut Credit Account. You can get it with a poor score and there’s no annual fee. Plus, it reports to the credit bureaus every month, which will allow you to build credit if you pay your bills on time.
Soft pull credit cards let you check for pre-approval and request a credit limit increase without a hard credit inquiry. Most soft pull credit cards do not, however, allow you to open a new account without a hard inquiry. With the exception of a handful of secured credit cards that don’t check your credit at all when you apply, you can’t get a credit card without a hard inquiry.
A hard inquiry is when a lender reviews your credit history in response to your application for credit. And each one does a bit of temporary damage to your credit score, with the impact being most pronounced when you have numerous inquiries in a short period of time. So being rejected for a credit card will make it harder to get approved for your next choice, and you may need to wait a bit before applying again.
Getting the right credit card doesn’t have to be a struggle or a guessing game. Sure, shopping for plastic might seem like looking for a needle in a haystack. There are hundreds of offers with similar-sounding names to choose from. There’s lots of terminology to learn. And who has either the time or the eyesight to pour through all the fine print?
But finding and ultimately getting approved for the best possible credit card is fairly easy when you know where to look. For starters, you can use WalletHub’s anonymous CardAdvisor tool to get a recommendation based on your answers to a few simple questions. You can get more-personalized picks by signing up for a free WalletHub account. Or you can simply head straight for the top card in your category of choice, as selected by WalletHub’s editors from 1,000+ offers (some offers are from our partners).
The term “corporate credit card” can mean slightly different things to different people. Technically, a corporate credit card is a special type of business credit card account that’s issued to a corporation (generally one with $10+ million in annual revenue), rather than an individual representing a business. As a result, individuals are not liable for corporate credit card debt, unlike balances on traditional business credit cards. And approval decisions aren’t based on the CEO’s personal credit history. Issuers instead review a company’s financial track record and use some of its assets as collateral.