Alternatives to FIA Card Services Cards
FIA Card Services, N.A. is one of the leading U.S. credit card issuers. Their financial products also include retail deposits, consumer loans, and insurances. They are marketed through numerous financial institutions and membership organizations.
Top FIA Card Services Credit Card Alternatives
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Damaged/Fair | n/a | n/a | 0.00% | See terms |
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Bad/No | N/A | N/A | 25.64% (variable) | $35 |
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00 (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Checking Account Required
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Fair/Poor/Bad | N/A | N/A | See Terms* | See Terms* |
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
| Min. Required Credit History | Intro APR on Balance Transfers | Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|---|
| Fair/Poor/Bad/Limited | N/A | N/A | 29.99% (Variable) | See Terms* |
History of FIA Card Services
FIA Card Services is a wholly-owned subsidiary of Bank of America Corporation. The company has a long history of high-quality financial services. It was founded as MBNA in 1982. Those days it was a small bank, based in a Newark, Delaware supermarket. Due to the new revolutionary methods of work they quickly become the leaders of financial industry. For example, MBNA was the first card issuer who offered 24 hour-a-day service to the customers.
MBNA maintained their creditworthy customer base and attracted new customers by providing them with low interest rates and good service. MBNA's strategy was to offer credit cards that can be personalized or customized based on cardholders' passions and loyalties. For example, they offered plastics displaying family coats of arms or regional landmarks. By the mid-1990s, the company was issuing cards to the fans of nearly 200 professional sports organizations, including National Football League teams.
In 2006 MBNA was acquired by Bank of America. It was renamed to FIA Card Services. This merger has brought together the resources of two major U.S. banks.
Even though the company has a different name, the main principles of their work remain the same: exceptional level of service and exclusive rewards programs for the cardholders. FIA Card Services has a range of attractive credit card deals for business owners, students and consumers. They typically come with low fixed or introductory rates. The applicants are required to have a good credit rating.
The company doesn't rest on their laurels. They develop new perks and benefits for the cardholders. FIA Card Services has become famous for various online services. The customers can view their accounts, pay bills online, track spending and use mobile banking.
Other benefits include fraud protection services and year-end financial statement. There are different special services for people who like to go shopping or travel: extended warranty on purchases, no liability for authorized purchases, travel accident insurance, lost luggage insurance and various travel and emergency assistance services. Having a FIA credit card in your pocket you are protected from most troubles!
