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AWARDS
HERO 2020

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At NerdWallet, we offer straightforward advice and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.

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Monthly feeOut-of-Network ATM FeeDetails
Chime Spending Account's logo

at Chime, Deposits are FDIC Insured

$0

$2.50

Why we like it

Chime is a mobile bank account that has no monthly fees, minimum balance requirements or overdraft fees, and you have access to more than 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs. Through Chime’s early direct deposit service, customers can get their paychecks up to two days earlier than if they cashed their checks at a bank.

This account works best for people who don’t write many checks or make cash deposits. If you need to write a check, Chime has an online feature that creates and mails one on your behalf. For cash deposits, you’ll need to use a third-party service.

For more details on Chime, read our full review.

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Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

Show Details

Fixed APR

2.98-5.79%

Fixed

Variable APR

1.99-5.61%

Variable

Min credit score

680

on CommonBond Student Loan Refinance's website

Show Details

NerdWallet rating

Show Details

Fixed APR

2.98-5.79%

Fixed

Variable APR

1.99-5.64%

Variable

Min credit score

650

on Earnest Student Loan Refinance's website

Show Details

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[object Object] card art

on Chase's website

Featured Card

Great for: Airline Miles and a Large Bonus

Securely with Chase

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
See card details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
See card details

Annual Fee

$95

Bonus Value

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.

Intro Purchase APR

n/a

Rewards Details

Earn 2X points on travel and dining at restaurants. 1 point per $1 on all other purchases.
See NerdWallet's pros & cons
[object Object] card art

on Capital One's website

Great for: Cash Back with No Foreign Fee

Securely with Capital One

  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
See card details

  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
See card details

Annual Fee

$0

Bonus Value

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Intro Purchase APR

0% for 15 Months

Rewards Details

Earn unlimited 1.5% cash back on every purchase, every day
See NerdWallet's pros & cons

Card Template

Chase Sapphire Preferred® Card

on Chase's website

Pros
  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Earn more points on travel and dining at restaurants
  • Premium travel protection benefits
Cons
  • $95 annual fee
Annual Fee
$95
    Intro APR Promotions
    • N/A
    APR
    • APR: 15.99% - 22.99% Variable APR
    • Cash Advance APR: 24.99%, Variable
    Card Details
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.
    • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
    Show Details

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    Build your credit

    Build the credit report you deserve. We bring together expert research and industry-leading tools to give you personalized tips that help you reach your goals.

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    Lender Card

    Learn More

    At Quicken Loans

    Min. credit score

    620

    Min. down payment

    3%

    NerdWallet rating
    Why we like it

    Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience. Quicken Loans is the largest mortgage lender in the U.S.

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    NerdWallet 2020 Award Winner - Best Personal Loan for Good Credit

    Lightstream

    on LightStream's website

    5.0

    NerdWallet rating 

    on LightStream's website

    Min. Credit Score

    660

    Est. APR

    4.49 - 20.49%

    Loan Amount

    $5,000 - $100,000

    Pros

    • No fees.
    • Competitive rates among online lenders.
    • Rate discount for autopay.
    • Special features including rate beat program and satisfaction guarantee.

    Cons

    • No option to pre-qualify on its website.
    • Requires several years of credit history.

    Qualifications

    • Minimum credit score: 660.
    • Several years of credit history; excellent-credit borrowers have at least five, according to LightStream.
    • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
    • Strong payment history with few or no delinquencies.
    • Investments, retirement savings or other evidence of an ability to save money.
    • Enough income to pay existing debts and a new LightStream loan.

    Available Term Lengths

    • 2 to 7 years

    Fees

    • Origination fee: None.
    • Late fee: None.

    Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

    Read full review
    Min. Credit Score

    660

    Est. APR

    4.49 - 20.49%

    Loan Amount

    $5,000 - $100,000

    Pros

    • No fees.
    • Competitive rates among online lenders.
    • Rate discount for autopay.
    • Special features including rate beat program and satisfaction guarantee.

    Cons

    • No option to pre-qualify on its website.
    • Requires several years of credit history.

    Qualifications

    • Minimum credit score: 660.
    • Several years of credit history; excellent-credit borrowers have at least five, according to LightStream.
    • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
    • Strong payment history with few or no delinquencies.
    • Investments, retirement savings or other evidence of an ability to save money.
    • Enough income to pay existing debts and a new LightStream loan.

    Available Term Lengths

    • 2 to 7 years

    Fees

    • Origination fee: None.
    • Late fee: None.

    Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

    Read full review

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