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The Best Credit Card Alternatives - 2020 Guide

Christina Rodgers
The Best Credit Card Alternatives - 2020 Guide
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

Let’s face it, 2020 has not been the most remarkable year for many of us. For some, our credit cards have become a very needed lifeline! For others, our credit cards are becoming a ball and chain - dragging us deeper into a black hole of debt.

Credit cards aren’t our only options, though. Here’s the complete list of unique alternatives to getting the financing you need to make critical purchases:

1. Stop Using Your Credit Cards & Apply For A Low APR Loan Instead

Founded in 1999, AmOne has grown to become one of the nation’s most considerable financial assistance companies. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you. AmOne advisors will also help you apply for a loan, up to $50,000, to get you back on track.

If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can help you get the right solution tailored to your needs even if your FICO Score is less than perfect. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.

Get AmOne

2. Earn Extra Cash Watching Holiday Specials With This App

InboxDollars is one of the world’s leading online rewards clubs and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.

How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos, and more). InboxDollars lets you know how long each playlist runs, from a few minutes to a half-hour. Select a playlist, watch, and earn cash. Signing up with InBoxDollars is fast and easy.

Start Earning Now

3. Apply For A $2,500 Credit Limit For All Your Essential Shopping

You don’t need to rely on a credit card if you have Zebit! What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® score needed. Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. “How does Zebit make money?” Like any retailer, Zebit sells products that it purchases at wholesale prices. The spread between the wholesale price and the listed price is how Zebit makes money.

Zebit offers members the flexibility to pay for anything they buy over time. Zebit offers every type of product you can imagine. Electronics, computers, furniture, appliances, and more. Zebit offers all the major brands like Apple, Gucci, Samsung, Fitbit, Nintendo - you’re not getting cheap stuff!

To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits.

Apply Now

4. Shop With These Free Gift Cards From SwagBucks

Turn your internet browsing into cash! Swagbucks allows users to share opinions and your internet surfing habits for real cash. Swagbucks gives out over 7,000 gift cards a day to its members for stores like Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.

A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. It’s easy to make an extra $5 in one day by watching a few videos. That translates to some serious extra cash in your pocket each month.

Open An Account

5. Use This Loan Service If You Need Faster Service

Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services, created “Fiona.”

Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds so that you can get instantly matched with the right personalized recommendation all in one place. You can borrow as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Not even Santa works that fast. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.

Start Your Search

6. Quit Relying On Your Credit Card & Use This No Fee Debit Card

Using your debit card instead of your credit card is a great alternative. But how do you avoid all those bank fees?

Aspiration is an online-only bank offering most of the services your big bank does, without any of the fees.

What makes Aspiration different? There are zero minimum balance fees, overdraft fees, and ATM fees when you use your Aspiration Bank Debit MasterCard. Your debit card also gets you 0.5% cashback on all purchases - making it a cash-back-card! You get this debit card when you open the Aspiration Summit Checking Account. A checking account with NO monthly fees.

The Aspiration Bank Summit Account is an interest-bearing checking account that you can open with as little as $10. According to the bank’s website, the account earns an APY of 1%, which is up to 100 times better than the interest rate offered at big banks. Open your account to boost your score and save on fees!

Get Your Card

Holiday Bonus Tip

Remodel Your Home With Monevo

Many homeowners rely on their credit cards to make home improvements. Why pay a high APR% when a personal loan could save you more money.

Monevo offers loans from $600 - $100,000. Monevo is free to use and offers rates as low as 4.99%. Monevo is so confident it can find you the best rate, they offer the best rate guarantee. If you’re thinking of updating your kitchen, bath, or any home improvement project - get a free quote from Monevo first.

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