If you're looking for the best credit cards with insurance, you're in the right place. These cards offer a range of benefits, including travel insurance, purchase protection, and more.
Some of the top cards with insurance include those from popular issuers like Visa and Mastercard. These cards often come with built-in insurance features that can help protect you in case of unexpected events.
One key benefit of credit cards with insurance is the purchase protection they offer. This means that if you buy something and it's stolen, damaged, or doesn't work as expected, you can get a refund or replacement. For example, the Visa Card offers purchase protection up to 90 days after the purchase date.
Consejos Generales
Using a tarjeta de crédito asegurada responsibly can give you the opportunity to build or improve your credit score.
Construir o mejorar tu puntaje crediticio es posible con un uso responsable de la tarjeta.
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A tarjeta de crédito garantizada es ideal for people who want to build or repair their credit history.
Las tarjetas de crédito garantizadas son productos financieros ideales para personas que quieren construir o reparar su historial crediticio.
The minimum deposit of guarantee works as a credit limit, helping you keep a better control over your finances.
El depósito de garantía mínimo funciona como límite crediticio, lo que ayuda a llevar un mejor control financiero.
Tipos de Tarjetas
Some tarjetas de crédito have no introductory APR, which can be a big advantage if you plan to carry a balance.
The Tarjeta de Crédito Avant has a regular APR of 30.24% to 35.24%, which is on the higher side.
Some tarjetas de crédito don't require a security deposit, like the Tarjeta de Crédito Avant.
Here are some key features of the Tarjeta de Crédito Avant:
- Tasa APR regular: 30.24% a 35.24% (variable)
- Depósito de seguridad: ninguno
Cómo Funcionan Las Tarjetas
Las tarjetas de crédito aseguradas son productos financieros que exigen un depósito mínimo en efectivo, que funciona como garantía en caso de impago.
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Estas tarjetas suelen ser de fácil aprobación, ya que suelen ser bastante flexibles con respecto al puntaje de crédito con el que cuentes actualmente.
El depósito inicial actúa como límite de crédito en la tarjeta, y en algunos casos puedes ampliarlo hasta el límite establecido por el banco.
Los pagos de una tarjeta de crédito asegurada funcionan de la misma forma en que se deben realizar los pagos de otras tarjetas de crédito, con una fecha de pago determinada por contrato y un monto a pagar que depende del gasto realizado durante el mes.
Estas tarjetas reportan a los principales burós de crédito, lo que beneficia para comenzar a construir o reparar el historial de crédito y controlar tus finanzas.
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Tarjetas en EE.UU
In the United States, there are several options for secured credit cards that can help you build or repair your credit history.
These cards are known as "tarjetas de crédito aseguradas" or "tarjetas de crédito garantizadas" in Spanish, and they require a deposit or security deposit to open and use the card.
Some of the top banks that offer secured credit cards in the US include Bank of America, Capital One, Discover It, Chime, U.S. Bank, and OpenSky.
These cards are often easier to get approved for, as they don't require a high credit score, and they can report to the major credit bureaus, helping you build credit over time.
The Chime Credit Builder Card Visa, for example, has no deposit minimum and no interest charges, making it a great option for those who want to start building credit without any upfront costs.
Here are some of the top secured credit cards available in the US:
These cards offer a range of benefits, including cashback rewards, low interest rates, and flexible payment terms, making them a great option for those who want to start building credit or repairing their credit history.
Mejores Tarjetas
The best secured credit cards are designed to help you build or rebuild your credit score without requiring a high credit score. These cards typically have a security deposit that serves as your credit limit.
Some of the best secured credit cards include the Chime Credit Builder Card Visa, which has no deposit minimum and no interest charges. Another option is the Discover It Secured Credit Card, which offers a cashback reward of up to 2% on gas stations and restaurants, and a welcome APR of 10.99% for the first 6 months.
The Capital One Quicksilver Secured card offers a cashback reward of 1.5% on all purchases, and the OpenSky Plus Secured Visa card offers a cashback reward of 3% on gas stations, 2% on groceries, and 1% on all other purchases.
Here are some of the best secured credit cards available:
These cards are all great options for building or rebuilding your credit score, and some of them offer additional benefits like cashback rewards or low APRs.
Bancos y Tarjetas
There are several banks that offer secured credit cards, also known as tarjetas aseguradas de crédito. These banks include Bank of America, Capital One, Discover It, Chime, U.S. Bank, and OpenSky.
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Bank of America, for example, offers a Customized Cash Rewards Secured credit card with a variable APR of 28.24%. You'll need to make a deposit of at least $200 to secure the card.
The minimum deposit required by some banks is as low as $49, such as with the Capital One Platinum Secured Credit Card. However, the U.S. Bank Secured Visa Card requires a deposit of $300.
Some banks, like Chime, don't require a deposit at all. Their Chime Credit Builder Card Visa has a 0% APR and no annual fee.
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Proceso de Solicitud
To start the process of getting a secured credit card, you need to approach or apply online with the bank of your interest to make the request.
The first step is to research and compare different options, taking into account variables such as deposit required, payment terms, and additional benefits.
You can compare different options online and for free through platforms like Superdinero.
To open a new account at Truist Bank, you'll need to meet their specific requirements.
Frequently Asked Questions
¿Cuál es la mejor tarjeta de crédito del 2024?
La mejor tarjeta de crédito según los redactores de la revista es la Chase Sapphire Preferred Card. Conoce sus beneficios y características para tomar una decisión informada.
¿Qué es una tarjeta de crédito asegurada?
Una tarjeta de crédito asegurada es una tarjeta que utiliza una cuenta de ahorros o depósito como garantía para otorgar crédito. Su límite de crédito está ligado al monto en la cuenta.
Sources
- https://www.usccreditunion.org/es/credit-cards/secured-credit-card/
- https://www.caminofinancial.com/es/articulos/credito-comercial/tarjetas-de-credito-para-hacer-credito/
- https://studyfinds.org/mejores-tarjetas-de-credito-las-5-cuentas-mas-recomendadas-por-expertos/
- https://mipuntajedecreditoenusa.com/tarjetas-de-credito-mas-recomendables-en-los-estados-unidos/
- https://superdinero.org/mejores-tarjetas-de-credito-aseguradas/
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