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6 Best Credit Cards for Gamers (2019)



Video games have come a long way. Once considered a recreation for kids, video games are now a billion-dollar industry that drives much of the world’s entertainment economy. And our list of the best credit cards for gamers shows the financial industry wants to tap into that market, too.

Entertainment is a big part of what these cards reward. Whether it’s cash back for your purchases or bonus points for category spending, these cards show that Mario isn’t the only person in the video game world who can collect and save coins.

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The Discover it® Cash Back card offers bonus categories each quarter that pays a whopping 5% cash back — and nearly every quarter includes a category where you can buy games. Not only will that 5% cash back come in handy, but you’ll get a second reward at the end of your first year when Discover matches all the cash back you earned during the year.




  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

0% for 14 months

0% for 14 months

13.49% – 24.49% Variable



This card has the capability of providing massive savings beyond those you get with your regular video game purchases. With 5% categories that include gas stations, grocery stores, and restaurant purchases, you can earn bonus cash back for just about all your spending, up to the quarterly maximum.

Bonus categories must be activated each quarter, and all other purchases earn 1% cash back.

The Capital One® SavorOne® Cash Rewards Credit Card offers 3% cash back on entertainment purchases. The fine print lists video rental stores as a cash back option.

We all know there aren’t many of those around anymore, but you’ll find that video game specialty stores — such as GameStop or retro game stores — fall under the bonus category.




  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 15.74% – 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% – 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee

0% for 15 months

0% for 15 months

15.74% – 25.74% (Variable)


Excellent, Good

Capital One will also reward you if you’re a regular spender. As a new cardholder, you’ll qualify for a $150 cash bonus after you spend $500 on purchases within your first three months with the card.

The Discover it® Student Cash Back card makes those late-night gaming sessions less expensive — thanks to the card’s 5% bonus cash back categories that include Plus, you’ll earn a $20 statement credit for each school year you maintain a GPA of 3.0 or higher.




  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

0% for 6 months

10.99% for 6 months

19.49% Variable


Fair/New to Credit

This card also qualifies for the Discover Cashback Match program, in which Discover will match all the cash back you earn during your first year with the card. There’s no limit as to how much you can earn, and you’ll receive the cash back in one lump sum shortly after your card anniversary.

Bonus categories must be activated each quarter, and all other purchases earn 1% cash back.

If you’re a regular Amazon shopper, you can expect the same savings you’re used to — with the added perk of cash back for your purchases.

4. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature card offers 5% cash back at and Whole Foods Markets as well as 2% cash back at restaurants, gas stations, and drugstores. All other purchases earn 1% cash back.

Amazon Prime Rewards Visa Signature Card

  • 5% cash back at and Whole Foods Markets
  • Receive a $60 gift card upon approval
  • Variable APR, depending on creditworthiness
  • No annual card fee, but an annual Prime membership fee applies

You’ll instantly receive a $60 Amazon gift card when approved for the card, which essentially pays for a game of your choice. The card offers these perks with no annual fee or other hidden charges.

The card touts itself as a perfect fit for techies and gamers.

5. PlayStation® Visa® Credit Card

New PlayStation® Visa® Credit Card members receive a $50 statement credit when they use their card on within 60 days of opening their account. Cardholders also receive 5X points on all PlayStation Store purchases and on all other PlayStation and Sony products.

PlayStation® Visa® Credit Card

  • 5X points on all PlayStation Store and PlayStation and Sony products
  • Receive a 50% statement credit on a 12-month PlayStation Plus membership
  • No annual fee

You can redeem the points you earn for VIP experiences, games, accessories, and other electronic gear from Sony.

If you have less-than-perfect credit, the Capital One® Secured Mastercard® can give you the spending power of a credit card that allows you to buy games and other items online to improve your gaming experience.




  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you’ll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app



26.99% (Variable)


Limited, Bad

To qualify, you’ll need to submit a refundable security deposit of either $49, $99, or $200 (based on your credit history) to secure your $200 credit line. You won’t pay an annual fee for the card and Capital One will refund your security deposit when you close your card account, as long as your balance is paid.

If you’re a regular gamer, you’ve likely visited a GameStop or Best Buy. Maybe you’re a regular at one of these locations and buy all your games, consoles, and accessories from the retailer.

You may be inclined to think those regular purchases make the store’s credit card a no-brainer for your wallet. But think again.

GameStop Credit CardAlthough it’s one of the most popular destinations for new and used games and consoles, GameStop shouldn’t be on your credit card must-have list. The GameStop PowerUp Rewards Credit Card is a closed-loop card, meaning you can only use it at GameStop locations.

It has a high APR, as most retail cards do, and you’ll only earn $5 in rewards for every $250 you spend. This is equivalent to a 2% cash back card, but considering you can only earn and redeem rewards at GameStop, you’re much better served using a cash back card that allows you to earn rewards everywhere you shop.

My Best Buy Credit CardThe My Best Buy Credit Card, on the other hand, offers solid rewards. With 5% cash back (6% for certain loyalty members), this card can be a good choice — but only if you pay your bill in full and on time every month.

That’s because the high APR — over 29% for some cardholders, based on creditworthiness — is substantially greater than those of most other cards. If you tend to carry a balance from month to month, you can quickly find your gaming purchases costing far more than you expected. This card is only recommended for gamers who never carry a credit card balance.

One way to level-up your gaming experience is to maximize your cash back options. This will help reduce the overall cost of your games, consoles, and accessories, and increase your ability to purchase the newest games as soon as they’re released.

Discover it® Cash Back CardThe Discover it® Cash Back card allows you to do all of that. You’ll receive two-fold rewards with this card. If you leverage the bonus spending category, you can earn as much as 5% cash back on your purchases — not just video games.

At the end of your first year with the card, the Discover Cashback Match program will match the total amount of cash back you earn during your first year with the card. That means you can earn up to 10% cash back on your purchases over time.

Just remember the card’s 5% categories must be activated each quarter, and there is a quarterly maximum on rewards earned. All other purchases earn 1% back.

So, while this card may not promote itself specifically to gamers, there aren’t many cards on the market that increase your buying power as this card can.

Capital One® SavorOne℠ Cash Rewards Credit CardIf you want to receive an ongoing 3% back on your gaming and entertainment purchases, the Capital One® SavorOne® Cash Rewards Credit Card is a solid option. Plus, you’ll receive an instant cash bonus when you meet the minimum spending requirement in your first three months with the card.

So, if you have your eye on the newest game console, you may be able to achieve the bonus in a single swipe and save significantly on your new toy. If you’re a PlayStation loyalist, the new PlayStation® Visa® Credit Card may be a great choice, especially if you’re a PlayStation Plus member.

Yes, you can — and you can earn rewards for your purchases. Not only does the card offer 5X points on purchases at the PlayStation Store as well as on PlayStation and Sony products, but you’ll also earn 3X points when you use your card to pay your mobile phone bill and 1X points on all other purchases.

PlayStation® Plus Membership

Cardholders can earn 50% off the price of a 12-month PlayStation Plus membership.

Sony obviously designed this card for avid PlayStation fans, as you can only redeem your rewards points for Sony and PlayStation products and experiences. You’ll also get 50% back as a statement credit when you use the card to pay for a 12-month PlayStation Plus membership and make at least $3,000 in total purchases within a year.

You also receive a 10% statement credit on PlayStation.Vue, PlayStation.Music, and PlayStation.Now memberships.

Every 100 points equal $1 in Sony Rewards and you can redeem your points for PlayStation games, consoles, downloadable content, subscription services, Sony electronics, movies, music, and experiences. You can use the points through the Sony Rewards portal, which offers all of these options, plus several more rotating special offers for cardholders.

And, since this is a Visa-branded credit card, you can use it at any location that accepts Visa cards — which is just about everywhere.

Credit cards offer varying rewards options that include, but aren’t limited to, cash back, points, and loyalty programs.

Cash back is just as it sounds. You get a percentage of each purchase back as either cash or a statement credit.

This essentially lowers the price of your purchase and makes your games, consoles, and accessories more affordable. Cash back works everywhere and will allow you to purchase more games and downloads — or you can save the money to purchase any other items or services you choose.

Points work in different ways. You can earn and save your points to redeem them for cash back, travel rewards, or merchandise credits and gift cards. Points have varying values, depending on how you choose to redeem them, but offer more options.

Loyalty programs work very much like the PlayStation Rewards structure on the PlayStation® Visa® Credit Card. They are tied to a specific brand, as is the case with this card and Sony.

How to Maximize Credit Card Rewards

With the PlayStation® Visa®, you’ll earn a set number of points on every purchase. You can redeem these points for games, consoles, accessories, downloadable content, experiences, and more.

The type of rewards that work best for you will depend on what you want from the card. While the PlayStation card offers tremendous point potential, you’re limited to only redeeming those points with Sony. If that’s all you care about, then it can be a great choice.

To make the most of your rewards, you need to know where you earn maximum value and use the card accordingly. With any rewards card, be sure to pay the balance off each month, so the interest charges don’t negate the rewards you earn.

Video games aren’t just for kids. The pastime is just as popular with adults as is evident in the number of games, loyalty programs, and even credit cards promoted to the older demographic.

If you play your cards right and use one of the best credit cards for gamers, you can keep playing without the fear of overspending or accruing high finance charges. That’s like getting an extra life when it’s about to be game over.

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How Do I Sell My Vehicle With Joint Ownership?



A joint auto loan is when two borrowers have rights and responsibility to the same vehicle and loan. If you have a cosigner, then you, the primary borrower, have all the rights to the vehicle. Here’s what you need to know when you need to sell your car with two people responsible for the loan.

Selling a Joint-Owned Vehicle

Joint owners are typically spouses or life partners who combine their income to meet income requirements or get a larger loan amount. Both co-borrowers are responsible for paying the car loan and have 50/50 rights to the vehicle, so both their names are listed on the title.

Since your co-borrower has the same rights and obligations to the vehicle as you, you must get their permission to sell the car. In most cases, they also need to be present for the sale to sign the title. This may not always be the case, though, so it’s important to know how to read your car’s title.

If you have it, take a look at your vehicle’s title for the names listed on the back where you sign to transfer ownership. For example: let’s say your name is Jane and your co-borrower’s name is Joe. You’re likely to see either:

  • “Jane and Joe”
  • “Jane or Joe”
  • “Jane and/or Joe”

If you see “and/or” or the connector “or”, this typically means only one person needs to be present for the sale of the car. But if you see “and” this means both of you need to be present to transfer ownership – this is usually the case with joint ownership.

In all three cases, you still need the permission of the co-borrower to sell the vehicle even if they don’t have to be physically present to sign the title. If you sell it without the co-borrowers consent, it may be considered a crime because it’s their property, too. Moving forward, discuss the sale with your co-borrower to avoid potential legal trouble.

Selling a Car With a Cosigner

How Do I Sell My Car With Joint Ownership?If you have a cosigner on your car loan, then things become easier. A cosigner doesn’t have any rights to the vehicle and their name isn’t on the title. Their purpose is to help you get approved for the auto loan with their credit score, and by promising the lender to repay the loan if you’re unable to. A cosigner can’t take your vehicle, sell it, or stop you from selling it yourself.

However, it’s nice to let them know if you do decide to sell the car because the auto loan is listed on their credit reports. If you can, reach out to them about your plans to sell the vehicle. The car loan’s status impacts them and could affect their ability to take on new credit when it’s active.

If you sell the vehicle and the lien is successfully removed from the title, then you’re both in the clear.

Removing the Lien From a Vehicle’s Title

If you still have a loan on your car, then your number one priority is paying off your lender. Your lender is the lienholder, and you can’t sell a vehicle without removing them from the title – they own the car until you complete the loan. This typically means paying off the loan balance until naturally during the loan term, or getting enough cash to pay it all off at once from a sale.

When you’re selling a car with a loan, you want to get an offer for your vehicle that’s large enough to cover your loan balance and to remove the lien. If you don’t get a large enough offer, then you need to pay that difference out of pocket before you can sell the vehicle. Or, you may be able to roll over the remaining loan balance onto your next car loan if you’re trading it in for something else.

Looking to Upgrade Your Ride?

Many borrowers ask for help to get the car they need. If you need more income on your loan application to meet requirements, asking a spouse or life partner to chip in can do the trick. If you have a lower credit score, then a cosigner with good credit could help you meet credit score requirements.

But what if you want to go it alone on your next auto loan and your credit isn’t great? A subprime lender could be the answer. Here at Auto Credit Express, we’ve been connecting credit-challenged consumers to dealerships with bad credit resources for over two decades, and we want to help you too.

Fill out our free auto loan request form and we’ll look for a dealer in your local area that’s signed up with subprime lenders. These lenders assist borrowers with many unique credit circumstances to help them get the vehicle they need. Get started today!

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Fixed-rate student loan refinancing rates sink to new record low for the second straight week



Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own.

The latest trends in interest rates for student loan refinancing from the Credible marketplace, updated weekly. (iStock)

Rates for well-qualified borrowers using the Credible marketplace to refinance student loans into 10-year fixed-rate loans hit another new record low during the week of May 3, 2021.

For borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender, during the week of May 3:

  • Rates on 10-year fixed-rate loans averaged 3.60%, down from 3.69% the week before and 4.32% a year ago. This marks another record low for 10-year fixed rate loans, besting the previous record of 3.69%, set last week.
  • Rates on 5-year variable-rate loans averaged 3.19%, down from 3.23% the week before and up from 3.04% a year ago. Variable-rate loans recorded a record low of 2.63% during the week of June 29, 2020.

Student loan refinancing weekly rate trends

If you’re curious about what kind of student loan refinance rates you may qualify for, you can use an online tool like Credible to compare options from different private lenders. Checking your rates won’t affect your credit score.

Current student loan refinancing rates by FICO score

To provide relief from the economic impacts of the COVID-19 pandemic, interest and payments on federal student loans have been suspended through at least Sept. 30, 2021. As long as that relief is in place, there’s little incentive to refinance federal student loans. But many borrowers with private student loans are taking advantage of the low interest rate environment to refinance their education debt at lower rates.

If you qualify to refinance your student loans, the interest rate you may be offered can depend on factors like your FICO score, the type of loan you’re seeking (fixed or variable rate), and the loan repayment term. 

The chart above shows that good credit can help you get a lower rate, and that rates tend to be higher on loans with fixed interest rates and longer repayment terms. Because each lender has its own method of evaluating borrowers, it’s a good idea to request rates from multiple lenders so you can compare your options. A student loan refinancing calculator can help you estimate how much you might save. 

If you want to refinance with bad credit, you may need to apply with a cosigner. Or, you can work on improving your credit before applying. Many lenders will allow children to refinance parent PLUS loans in their own name after graduation.

You can use Credible to compare rates from multiple private lenders at once without affecting your credit score.

How rates for student loan refinancing are determined

The rates private lenders charge to refinance student loans depend in part on the economy and interest rate environment, but also the loan term, the type of loan (fixed- or variable-rate), the borrower’s credit worthiness, and the lender’s operating costs and profit margin. 

About Credible

Credible is a multi-lender marketplace that empowers consumers to discover financial products that are the best fit for their unique circumstances. Credible’s integrations with leading lenders and credit bureaus allow consumers to quickly compare accurate, personalized loan options ― without putting their personal information at risk or affecting their credit score. The Credible marketplace provides an unrivaled customer experience, as reflected by over 4,300 positive Trustpilot reviews and a TrustScore of 4.7/5.

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Provident Financial calls time on doorstep lending business



Provident Financial has confirmed plans to shut its 141-year-old doorstep lending arm, as its full-year results highlighted the strain the coronavirus pandemic and growing customer complaints have put on subprime lenders.

The Bradford-based company reported a pre-tax loss of £113.5m for 2020, compared with a £119m profit the previous year. The biggest drag was a £75m loss in its consumer credit division, which includes home credit.

Malcolm Le May, Provident chief executive, said: “In light of the changing industry and regulatory dynamics in the home credit sector, as well as shifting customer preferences, it is with deepest regret that we have decided to withdraw from the home credit market.”

Jason Wassell, chief executive of the Consumer Credit Trade Association, which represents alternative and high-cost lenders, said the decision showed that “the current regulatory framework does not work for the market, or its customers”.

“The result in this case is that access to credit will be reduced for hundreds of thousands of people.”

Provident built its name as a provider of home credit, or doorstep lending, which involves a team of local agents who regularly visit borrowers to collect repayments and discuss their products.

Proponents believed agents’ local expertise and personal relationships with borrowers allowed them to achieve better results than traditional bank lending to people with bad credit scores, but the approach has increasingly been superseded by digital models in recent years.

Provident’s business has also been affected by a series of self-inflicted and external difficulties. Its consumer credit division has been lossmaking since a botched effort to modernise the unit in 2017, which led to a pair of profit warnings and an emergency rights issue. More recently, its recovery has been hampered by an increase in customer complaints that prompted an investigation by the Financial Conduct Authority.

The complaints rise has been driven by professional claims management companies, echoing a broader trend across the subprime lending industry which has also affected companies such as Amigo, the guarantor lender. Executives also accuse the Financial Ombudsman Service, which adjudicates on customer complaints, of overstepping its mandate and encouraging huge volumes of complaints.

Provident said it would wind down or sell the consumer credit division, with either option expected to cost it about £100m. 

The move will see Provident exit the most controversial areas of high-cost credit to focus on what it describes as “mid-cost” lending through its Vanquis credit card business and Moneybarn vehicle finance arm. Vanquis and Moneybarn both remained profitable during 2020, despite more than a quarter of Moneybarn customers requesting payment holidays at the height of the pandemic.

The results were slightly better than average analyst forecasts, and the company said Vanquis and Moneybarn had both reported “improving trends” during the first quarter of 2021. Shares in Provident nonetheless dropped more than 10 per cent in early trading.

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