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The Best Credit Card Alternatives - 2021 Guide

Christina Rodgers
The Best Credit Card Alternatives - 2021 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 was not the greatest 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 your only option, though. Here’s the complete list of unique alternatives to getting the financing you need to make critical purchases:

1. Join This Service Today & Get Access To A $4,000 Low Interest Emergency Loan

Seedfi is doing it’s best to help families affected by the pandemic by offering people a path to better credit and savings. The Credit Builder Plan allows you to open a savings account that builds your credit score.

When you start your plan you are actually “loaning” yourself money each month. You set the amount and you pick the timeframe (six months or up to two years). There are NO upfront credit checks and all your payments are reported to all 3 credit bureaus. When you’re finished you’ll have a saving account and possibly a 45** point credit score increase.

Plus if you’re in a tight spot and need some extra money, SeedFi has an answer for that as well. Their Borrow & Grow Plan allows you to access up to $4,000 while also building your credit.

Your SeedFi account is FDIC insured like at any bank. If your goal is to get your credit on the right track, you must try SeedFi!

Apply Now

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

It’s easy to fall behind on bills. Unexpected expenses always come up. But now, more than ever, those unexpected expenses can drive a hole in your budget. That’s why a catch-up loan exists. A “cup” loan allows you to apply to borrow a specific amount of money to get caught up on outstanding bills.

If you have spoken to your credit card company or mortgage provider about forbearance/delaying a payment, a cup loan is an ideal solution. If your mortgage payment is $1,450 a month and you are starting to fall behind, a loan for $10,000 could be a winning solution.

The best loan service to search and apply for a “cup” loan is AmOne.

AmOne is the fastest, easiest, most comprehensive way to search loans from the top providers. By filling out a simple form, AmOne checks if you are pre-approved and gets the best offers from the top providers for you in seconds. You can get instantly matched with the right personalized recommendation all in one place.

You can borrow as little as $1,000 and 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. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.

Apply For A CUP Loan

3. Stop Using Your Credit Cards For Rewards Points - This Card Is 10X Better!

The main reason why most people use credit cards is for the “points”. But unfortunately, those points come with a hefty cost - “DEBT”!

Now theirs a debit card that provides you all the benefits of a credit card, without the risk of falling into debt. Point was built for that specific reason.

Point offers 5X the points on many everyday purchases. There are no credit checks or minimum deposit requirements with Point. Your Point card comes with these standard credit card features like trip cancellation coverage, car rental insurance, zero liability coverage and more.

Point pays for any physical damage or theft to your rental vehicle when you decline the Collision Damage coverage offered by the car rental agency. Get reimbursed up to $600 if your phone is lost, stolen or damaged — and just pay a $50 deductible. Point reimburses you for up to $1,500 in out-of-pocket expenses if a trip is canceled or delayed. Plus if you buy anything at any store - Point will pay if the item is lost or damaged within 90 days of purchase, Point reimburses up to $1,000.

If someone uses your card without your permission, Point immediately returns the funds to your card.

If you don’t open a Point account today, you’re not serious about avoiding credit card debt.

Learn More

4. Do Your Shopping With These Free Gift Cards

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. This Loan Service Isn’t Worried About Your FICO Score

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 little as $1,000 and 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. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates..

Get AmOne

6. Use Extra Cash You Earn From Previewing New Shows

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

7. Switch To This Debit Card & Never Pay Bank Fees Again

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

What Aspiration Offers?

What doesn’t it offer? First off, the Aspiration Summit Checking Account has NO monthly fees. 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!

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!

Open An Account