Credit Cards » Providian

Providian Credit Card Alternatives

Providian is now a part of Washington Mutual, so for a very long time now Providian credit cards have been synonymous with quality and service. The Providian Visa Platinum credit card is unique, in being the first card to offer users access to their FICO credit scores. This is just one of the many innovations that Providian credit cards have been working on.


Here at CreditCardFlyers.com we offer some alternative credit cards. They are not Providian credit cards but not less advantageous.

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A19.99% - 25.99% Variable$0 - $99
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See Terms
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
GoodN/AN/A19.99% - 25.99% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Bad/FairN/AN/ASee Terms*See Terms*
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won´t be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A19.99% - 25.99% Variable$0 - $99

Best Providian Credit Card Offers

Back in the day when Providian was still one of the leading credit card companies in America, it was able to make a lot of money from the "subpar" market segment of the industry. This segment is comprised of clients whose credit histories contain several blemishes.

Problems rose when losses began outrunning the high fees and interest rates. By October 2001, Providian lost its operations and was then acquired by Washington Mutual, the country's biggest savings and loan firm, by the middle of 2005.

After the merger, Washington Mutual proceeded to control operations from Providian's headquarters in San Francisco, California. Washington Mutual also became the main provider of Providian credit cards which are known to have customized abilities to fit the needs of individual customers. Providian card services customize each credit card, making sure that it would suit the preferences of each customer. The following are the different types of Providian credit card offers and their features.

There is the Providian Visa Platinum Card. This card caters mainly to American consumers. The credit cardholder is given full access to his or her Fico Credit scores. There are also many restaurants and retailers that offer discounts and coupons to Providian Visa Platinum credit cardholders. Credit limit is also set to correspond with the needs of the cardholder and credit lines are regularly checked so that credit limit increases can be implemented for qualifying customers.

There is also the Providian Real Rewards, which provides a lot of reward programs for customers who use their credit cards for their purchases, as well as those who may payments on time. Other benefits include the redemption of points in the form of airline travel discounts, restaurant discount cards, and more. Cardholders can also use their reward points to make their APRs lower.

Providian Cash Rewards, on the other hand, gives the cardholder rewards in the form of cash rebates. Depending on the purchases made by the cardholder, cashback rewards are given accordingly.

Lastly, there is the Premium Points credit account. This system is a reward program wherein the cardholder earns a point for each dollar spent with the credit card.

Aside from these credit accounts, Providian also offers a lot of other services in the form of money market deposit accounts, savings products, institutional investors' services, and certificates of deposit. There are also several ways for Providian customers to process their payments. Payments can be made over the internet, the phone, or regular mail.