Refresh Financial Credit Cards - Comparewise

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Refresh Financial Credit Cards

The Benefits of Signing up for a Refresh Financial Credit Card

Refresh Financial’s credit card options offer some benefits worth considering when shopping around for a new product. The minimum deposit is one of the lowest, at $200, which is relatively easy to provide compared to $500, which many companies require. The purchase interest rate is reasonable, it’s an easy card to qualify for, and you’ll have access to free courses for financial management. The maximum credit limit is $10,000, standard for comparable credit card providers. The application process is easy, as it’s done entirely online. When your application is being considered for approval, no credit checks are done so that you won’t risk the impact on your credit rating or score. There are other great benefits to consider with Refresh, including in-house courses that provide tools and suggestions for financial management and regular reports sent to two credit bureaus so that you’ll have the opportunity to improve your credit score.

Drawbacks of Refresh Financial’s Credit Products

Refresh Financial charges annual fees higher than average, which can be a deterrent for new card owners looking to establish their credit. It’s a good option for people who have previously claimed bankruptcy and don’t want to pay a sizeable minimum deposit. If you have a previous or existing Refresh Financial account, you won’t be eligible to apply for a new card. If you applied for a Refresh card previously, and there was no approval, you can reapply again after 30 days, and you must not have defaulted on payments in the last 12 months if you have an account that has since been closed. If you withdraw funds from your Refresh credit card account, there is a fee for every transaction, increasing over time. Ideally, this account is best for anyone who wants to improve bad credit and curb overspending to improve their financial status.

Refresh Financial Credit Cards Summary

Refresh Financial is a good option for new credit card users and anyone rebuilding their credit score for future goals and better financial management. While the fees are higher than other credit card fintech companies, some notable benefits can help individuals improve their overall credit score and prospects for a mortgage, loan, and other life goals.

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

Get $50 CAD of BTC with promo code: COMPAREWISE
Min Investment
$10
Target Return
4-7%
Trace crypto on Nexo and earn up to 20% APR
Min Investment
$1
Target Return
Up to 12%
Earn Up to 17% on your crypto and borrow USD
Min Investment
$1
Target Return
2-18%
Crypto exchange starting with just $10
Min Investment
$1
Target Return
Varied
Trade 150+ cryptos plus use your crypto for purchases
Min Investment
$1
Target Return
Varied
Buy and sell shares in best-selling paintings
Min Investment
$15,000
Target Return
10-25%
Connect with you fave music & own shares of songs
Min Investment
$1
Target Return
Varied
Get up to $5,000 cashback on Canada's #1 trading platform.
Min Investment
$100
Target Return
Varied
Earn rewards when you buy and sell crypto on BlockFi
Min Investment
$1
Target Return
Up to 8.6%
Make, buy, and sell digital art NFT's using Ethereum
Min Investment
$1
Target Return
Varied
A marketplace for small and local business investment
Min Investment
$100
Target Return
10-15%
Online real estate investment in one platform
Min Investment
$25,000
Target Return
9-24%

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March 17, 2022
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FAQs about
Refresh Financial Credit Cards

Can I apply for a Refresh Financial credit card if I filed for bankruptcy in the past?

Yes. This card is ideal for anyone who has struggled with bad credit and is looking to rebuild.

Is Refresh Financial legitimate?

Yes. The company’s card is owned by Digital Commerce Bank and licensed through Visa International.

Can students apply for a Refresh Financial credit card?

Yes. It’s a great card for students and anyone new to using credit products, as it helps establish credit.

How can Refresh Financial improve my credit score?

The company sends regular reports to two major credit bureaus, which allows you to monitor how your score improves and follow suggestions on how to increase your score.

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