Card
Network

Mastercard
Bank

Cross River Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Any
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

The first credit card backed by vehicle equity.

CARD DETAILS

  • The first credit card backed by vehicle equity.
  • Pre-approval decision in 1 minute.
  • $4,400 average credit limit - up to $10,000.
  • Fast access with the virtual card and cash advances.
  • Unlimited 1.5% cashback on all purchases.
  • Reports to the 3 major credit bureaus monthly.
+ Pros
  • Up to $10,000 in credit.
  • Unlimited 1.5% cashback.
  • Credit building.
  • Virtual card.

REWARDS: Cash Back

Rewards Program
Unlimited 1.5% cashback on all purchases.

PURCHASES

Intro
APR

N/A
Ongoing
APR

24.88% to 35.88%
Penalty
APR

N/A
Minimum Grace
Period

N/A
Minimum Interest
Charge

N/A

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

35.88%
Balance Transfer
Fee

5%
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

35.88%
Cash Advance
Fee

3%
Penalty
APR

N/A
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

N/A
Annual
Fee

$40
Foreign Transaction
Fee

3%
Late Payment
Fee

Up to $20
Card Overall Rating
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