KIKOFF INC is the issuer of Kikoff Credit+ Cash Card.

Kikoff Credit+ Cash Card

Kikoff Inc| Bright App

Credit needed
Limited or Bad Credit
APR
Typically ranges from 15% to 20%, making it a competitive option among secured cards.
Annual Fee
Typically does not charge an annual fee, providing significant cost savings.

Card Summary

  • Credit Building: Kikoff Credit+ Cash Card is a secured card specifically designed for credit-building. It reports to all major credit bureaus, helping you establish or repair your credit history
  • Low APR: With a competitive Annual Percentage Rate (APR), Kikoff Credit+ Cash Card offers affordable credit for responsible use
  • Minimal Fees: This credit card keeps fees to a minimum, making it a cost-effective option for those working on their credit
  • No Credit Check: You don't need a pristine credit history to qualify for Kikoff Credit+ Cash Card. It's accessible to those with limited or damaged credit
  • Credit Line Increase: After demonstrating responsible usage, you have the potential to increase your credit limit, further boosting your credit score.

Card Summary - Cons

  • Security Deposit Required: As a secured card, you need to provide a security deposit as collateral, which can be a barrier for some
  • No Rewards: Kikoff Credit+ Cash Card doesn't offer cashback or rewards like some other cards, limiting its appeal for those seeking perks
  • No Sign-Up Bonus: There is no initial bonus for new cardholders

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Rates and fees

Issuer Name
Kikoff INC
Penalty APR
Penalty APRs can vary; check the terms and conditions for specifics, typically triggered by late or missed payments.
Credit Needed
Limited or Bad Credit
Balance Transfer Fee
May offer balance transfer options with fees that can vary. Refer to terms and conditions for accurate information.
Annual Fee
Typically does not charge an annual fee, providing significant cost savings.
Cash Advance Fee
Fees for cash advances can vary; consult your card's terms and conditions for specific details.
APR
Typically ranges from 15% to 20%, making it a competitive option among secured cards.
Foreign Transaction Fee
Foreign transaction fees can vary based on card terms. Review your cardholder agreement for precise information.

Highlights

  • Credit Building: Kikoff Credit+ Cash Card is an excellent tool for people who want to rebuild or establish their credit history
  • Accessible to All: The absence of a strict credit check means that even those with limited or damaged credit can qualify for this card
  • Competitive APR: With a lower-than-average APR, Kikoff Credit+ Cash Card helps cardholders save on interest charges

Comparative Analysis with Other Cards

When compared to other secured cards, Kikoff Credit+ Cash Card stands out for its low APR and accessibility. It's an ideal choice if you prioritize rebuilding your credit without incurring high-interest costs. However, it lacks rewards and sign-up bonuses, which some other cards offer. Popular alternatives include Discover it Secured and Capital One Secured Mastercard, both of which offer rewards but often with higher APRs.

Conclusion

KIKOFF INC's secured card, Kikoff Credit+ Cash Card, is an excellent choice for those seeking to rebuild or establish their credit history. With its low APR, accessibility to all credit types, and minimal fees, it offers a cost-effective solution to build credit. While it lacks rewards and sign-up bonuses, its primary focus is on improving your creditworthiness. If you're in need of a secured card for credit repair, Kikoff Credit+ Cash Card is definitely worth considering.

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Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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