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.

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • 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 purchases on your Discover card.
  • 100% U.S. - based customer service - day or night.
  • ±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%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • St. Patrick´s Day Deals with Fingerhut!
  • Get $50 off $200 - USE Promo Code NC954. Exp. 4/03/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
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
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 3/31/2015.
  • Shop Brand Name Products.
  • Two payment options available*.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Goodn/an/a14.90% or 19.90%$0
  • 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 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • 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 purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms, balance transfer 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
  • Quick pre-qualification available with no impact to your credit score.
  • Fast and easy instant decision.
  • Choose your custom card design - Free.
  • Free online account access.
  • Zero Liability - you′ll never be held liable for unauthorized charges made to your card.
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Goodn/an/a23.9%$35 - $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.

± Click apply for Terms & Conditions.