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Advertiser Disclosure Updated: Sep 4, 2020, 6:16am

Full Width Template for Mortgage Calc

Updated: Sep 4, 2020, 6:16am
Asia Martin
Asia Martin Forbes Staff
Editorial Note: Forbes may earn a commission on sales made from partner links on this page.- test default

10
15
20
30
Estimated Payoff Month
How is my monthly payment calculated?
Principal & Interest$1,390
Homeowners insurance
Property tax
Private mortgage insurance
HOA fees
Annual Amortization Schedule
Monthly Schedule
Annual Schedule
Year 1

What’s the annual fees?

$95
95
999
0

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You don’t receive great rewards value for any non-travel or non-dining spending, which nets one point per $1 spent, or 1.5 points if you redeem the points for travel through Chase Ultimate Rewards.

A high annual fee

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

What’s the annual fees?

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You don’t receive great rewards value for any non-travel or non-dining spending, which nets one point per $1 spent, or 1.5 points if you redeem the points for travel through Chase Ultimate Rewards.

A high annual fee

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

Ascent

Ascent

4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Compare Rates

Via Credible.com's Secure Website

Ascent

4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Variable APR

2.73% to 13.01%

Fixed APR

3.62% to 14.50%

View Details
Why We Picked It

Ascent offers both co-signed and non-co-signed student loans, which gives borrowers without co-signers more college funding options. We scored the company based on its co-signed credit-based student loan for undergraduates.

Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time. That can be useful for graduates just starting out, who will likely make more money as they move up in their careers.

Borrowers also can pause payments if they’re experiencing a temporary financial hardship for one to three months at a time, up to a maximum of 24 months total. (Taking this forbearance means you will repay the loan over a longer period, though.) Interest continues to accrue during forbearance, which is true for the vast majority of private student loans.

Ascent also offers a graduation reward of 1% of the loan’s original principal balance. Check the conditions you must satisfy to qualify.

Extra Details
Loan terms: 5, 10 or 15 years

Loan amounts available: $1,000 up to total cost of attendance, to a maximum of $200,000 per academic year ($200,000 aggregate)

Eligibility: Student borrowers with no credit history can qualify with a creditworthy co-signer. Co-signers must show income of at least $24,000 for the current and previous year. Co-signers must have a minimum credit score of 660 if the student has a score of less than 700, and a minimum credit score of 620 if the student has a score of 700 or higher.

Forbearance options: When experiencing financial hardship, borrowers can suspend payments for up to three months at a time, for a total of up to 24 months throughout the loan term. Only four rounds of forbearance (up to 12 months’ worth) may be taken consecutively.

Co-signer release policy: Available after 24 months of consecutive automatic debit payments, if the primary borrower meets certain credit score requirements.

Pros
  • Both co-signed and independent loans available
  • International students can qualify with a co-signer who has U.S. citizenship or permanent residency
  • Interest rate estimate available without undergoing a hard credit check
Cons
  • Charges late fees
  • Maximum APR is above 10%

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

Most frequently asked questions

How credit cards work ?

The idea behind credit cards is simple: When you use a credit card, you are borrowing money to pay for something. Later on, you must repay what your borrowed. If you take time to pay it back (rather than pay it in full when your credit card statement comes), you’ll be charged interest. The whole credit cards industry rests on this basic premise.

A basic credit card transaction works like this:

What's the difference between Visa and Mastercard?

This is one of the most common questions about credit card companies. Just about every place that takes credit cards takes both Visa and Mastercard, with only a couple of exceptions (such as Visa-only Costco), so consumers are left wondering whether there’s a difference at all.

The most important thing to remember is that neither Visa nor Mastercard issues credit cards. These companies are just payment networks that process transactions. Most of the benefits that come with a card are provided by the card issuer, not the network. And since their acceptance rates are nearly identical, you’re better off focusing on the features of individual cards rather than which network they operate on. Read more about Visa vs. Mastercard.

What's the lowest interest rate on any credit card?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

How many credit cards should you have?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

What's the best credit card company?

HTML Table

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

Company Contact Country Country Country Country Country Country
Alfreds Futterkiste Maria Anders Germany Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Centro comercial Moctezuma Francisco Chang Mexico Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Ernst Handel Roland Mendel Austria Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Island Trading Maria Anders Germany Helen Bennett UK Alfreds Futterkiste Maria Anders Germany
Laughing Bacchus Winecellars Yoshi Tannamuri Canada Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Magazzini Alimentari Riuniti Giovanni Rovelli Italy Alfreds Futterkiste Maria Anders Germany Maria Anders Germany

Which is the best Credit card?

Sapphire Chase is one of the best credit card with good apr and good credit.

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