Credit Cards » Providian Credit Cards

Providian Credit Cards

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.

Providian Credit Card Alternatives

BEST for EXCELLENT Credit
  • Earn up to 5% Cash Back!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • Start with NO Annual Fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/aSee termsSee termsVarious RatesSee terms
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)*
$35-$99
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Averagen/an/a24.99%* (Variable)$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until June 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/a0%
(until
June
2015)
22.9% (V)$39
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

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.

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.