Best Fintech Credit Cards for April 2025

Upgrade Cash Rewards Visa^®

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On Upgrade's secure site

Rates & Fees

Rewards Rate

Earn 1.5% unlimited cash back on card purchases every time you make a payment

Low Purchase APR

Competitve APR and predictable payments make for a great fit for larger purchases

$0 Fees & Fraud Liability

$0 annual fee and $0 activation fees. Enjoy peace of mind with $0 Fraud liability

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Offer Details

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
1.5% unlimited cash back on every purchase
No annual fee
See if you qualify in seconds with no impact to your credit score
Combine the flexibility of a card with the predictability of a personal loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
Up to 10% cash back from your favorite brands with Upgrade Shopping
Contactless payments with Apple Pay^® and Google Wallet^™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa^® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
APPLY NOW for the Upgrade Cash Rewards Visa^®

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SoFi Credit Card

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On SoFi's secure site

Rates & Fees

Rewards Rate

Earn up to 3% cash back rewards for a year, earn unlimited 2% cash back rewards thereafter

Welcome Offer

Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card (See Terms)

Other Perks

Access World Elite Mastercard^® perks such as cell phone insurance coverage up to $1,000 and monthly Lyft credit

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Offer Details

Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card (See Terms).
Earn 3% cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2%* unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi. Plus, redeem points toward crypto.
When you make 12 on-time payments, we’ll lower your APR by 1%.
No annual fee.
No foreign transaction fees.
Cell phone protection (insurance coverage up to $1,000)**.
Mastercard ID Theft Protection^™**.
$10 Lyft credit when you take 5 rides per month**.
**Cell Phone Insurance Protection, Mastercard ID Theft Protection^™‎, Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard^® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.
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Petal^® 1 "No Annual Fee" Visa^® Credit Card

Apply Now

On WebBank's secure site

Rates & Fees

Rewards Rate

2% - 10% cash back at select merchants

Easy Pre-approval

See if you're pre-approved within minutes without impacting your credit score.

Credit Limit

$300 - $5,000 credit limits

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Offer Details

$0 Annual Fee
Variable APRs range from 25.24% - 34.74%
$300 - $5,000 credit limits
Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
No credit score? No problem. If eligible, we'll create your Cash Score instead.
2% - 10% cash back at select merchants
See if you're pre-approved within minutes without impacting your credit score.
No annual or foreign transaction fees.
Build credit alongside hundreds of thousands of Petal card members.
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank
APPLY NOW for the Petal^® 1 "No Annual Fee" Visa^® Credit Card