Knowledge Center

Top Articles

What’s your “payment style”? Choose an autopay plan to match

Everyone's financial goals are different. Our redesigned auto payment options let you choose the perfect auto pay schedule for your credit goal.

5 healthy habits for a resilient and secure financial future

Habits like watching what you eat and working out regularly ensure that you feel great now and stay healthy long term. Healthy financial habits are just as important.

Secured vs unsecured credit card: What's the difference, and which is better for you?

To get a secured credit card, you need to deposit a specific amount of money with the bank, and that amount usually becomes your credit limit. An unsecured credit card is a card that requires no collateral or deposit.

Why you need an emergency fund and how to build one

If there’s one thing the current COVID-19 crisis has taught us, it’s the importance of having an emergency fund to cover unexpected expenses.

Renting or buying? The importance of good credit when entering the real estate market

Whether you’re looking to rent or buy your next home, your credit score can make a big difference in the options that are open to you.

Credit building checklist: 6 guidelines for a better credit score

Want to use your credit card to build excellent credit? Follow these guidelines.

Your first 401(k): A beginner’s guide to saving for retirement

A 401(k) plan is one of the easiest ways to save for retirement. Here’s what you need to know to get started.

Credit utilization rate: What is it, and why should you keep yours low?

If you want to build great credit as efficiently as possible, don’t stop at on-time payments. Be sure to tackle your credit utilization rate as well.

Late payments and fees: What you need to know

Regular, on-time payments are the single most important thing you can do to build great credit. The flip side: late payments can have the opposite effect on your credit score. Here’s what you need to know.

7 ways to avoid falling into unmanageable debt

A certain amount of debt can be a healthy part of owning important assets like a car or a home, but no one wants to fall into unmanageable debt.

6 ways to stay financially healthy in difficult times

How do you keep your bearings, keep out of debt, and stay financially healthy during the unprecedented chaos of a worldwide pandemic?

Debit card vs. credit card: Which is safer?

Did you know? When it comes to safety from fraud, generally speaking, credit cards are safer than debit cards.

Building credit from scratch? 5 things you should know

Can't get a credit card without credit history, but can't build credit history without a card — sound familiar? Don't be discouraged. There's a way around the "chicken or egg" credit problem.

Your credit card statement: Which balance should you pay?

Your monthly credit card statement lists your monthly balance and your minimum payment due. Online or via app, you can also access your current balance. Which of these balances should you pay?

Avoid falling into credit card debt: Set up autopay now

It can be easier than we realize to fall into debt. Sometimes, debt can creep up on you in just a month or two of inattention. Sidestep this pitfall by setting up autopay on your credit card now.

Hard vs soft credit inquiry: What you need to know

There are two types of inquiries that can be made against your credit report. The main difference: a soft inquiry has no effect on your credit score, while a hard inquiry can affect your credit score.

ATM, Debit, and Credit Cards: What's the difference?

ATM, debit, and credit cards may look alike, but they are different in important ways, including how they may affect or not affect your credit.

Why you may need more than one credit card

Did you know? To build good credit more efficiently, you should be carrying more than one credit card.

¹ If you have just arrived in the U.S. on a work visa, we will not run a hard inquiry with the credit bureaus to process your application. If you are a U.S. citizen, a U.S. permanent resident, or if you have been living in the U.S. for more than one year at the time of application, we will indeed run an inquiry with the credit bureaus. However, application review is always based on multiple criteria, not just your credit score. Learn more.

² No SSN is required to apply for applicants who are new to the U.S. and are in the country on a work visa. SSN is required within 60 days of card activation. Card can only be activated from within the US. Learn more.

³ Review the Jasper fee schedule.

⁴ Your cash back rate will be increased by 0.5% for 12 months for each referred applicant that activates their card, up to a limit of 6% total cash back. To earn 6% cash back, you must successfully refer 10 new cardholders within the same 12-month period. To become eligible to redeem cash back, you must first make three on-time payments. The purchases on which you can earn cash back are limited each billing cycle to an amount equal to your credit limit. Review the Rewards Terms and Conditions.

⁵ For a limited time: Upon approval and activation of the card, new referred cardholders will receive a 1% cash back bonus for 12 months. Existing cardholders will receive a 1% cash back bonus for 12 months for each of their next two successful referrals, then a 0.5% cash back bonus for 12 months for each subsequent referral, up to 6%. Review the Rewards Limited Time Promotion Terms and Conditions.

Knowledge Center

Want to be smarter about your finances? You’ve come to the right place