The Ultimate Guide to Credit Cards
Friday, April 19, 2024
Ashley Fricker

By: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Super+ Review

Rated 3.5 /5.0 ★★★★

Are you considering the Super+? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 3.5 out of 5.0.

The Super card is a secured card that is easy to get, there's no credit check involved, and unlike other secured cards, you don't need to place a deposit for approval. But you must link a debit card to the account from which to withdraw funds for spending. Your account activity is reported to all three major credit bureaus to help you build credit with responsible use.

While the concept of this card is neat, the $15 monthly fee means you're essentially paying $180 annually for a secured card, making it the most expensive secured card we know of. However, there are no interest charges.

Here's a rundown of the key features, rates, and terms of the Super+:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Super+ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

3.5

OVERALL RATING

  • Members have seen their credit scores increase 28 points on average in 2 weeks by reporting their rent payments through Super+
  • Get a cash advance up to $250 or your money back guaranteed - with no interest or credit check
  • Credit building suite with bureau reporting, monitoring, and credit report access
  • Super Card with 0% APR
  • Unlimited 1-10% Cashback
  • $15/month for Super+
  • Money Back Guarantee*
  • *Not all users will qualify. Advances range from $20 to $250. Express transfer fee may apply. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
0%
$180, paid as $15 monthly
300-700

There's certainly a lot to like about the Super+. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Super+ is right for you.

Interest Rate & Annual Fee

According to the issuer, the Super+ currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 0%

Here's the annual fee for the Super+ as listed by the issuer:

  • Annual Fee: $180, paid as $15 monthly
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the Super+ is:

  • Credit Level: 300-700

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

  • Visit the official application:
    Super+

Keep in mind that rates and features may change, so if you like what the Super+ is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the Super+, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #21 out of 28)
★★★★
4.3
(Ranked #141 out of 149)
★★★★
3.5
(Ranked #13 out of 18)
★★★★
4.3
(Ranked #25 out of 31)
★★★★
4.0
(Ranked #10 out of 13)
★★★★
4.0

Bottom Line on Super+

Super+ Review

All told, our team's review of the Super+ resulted in a rating of 3.5 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the Super+, here is the link the issuer's official application:

About the Author

Ashley Fricker
Ashley Fricker Finance Expert

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Ashley Fricker