Tools and offers

The Club is free. These are optional tools that members use next to it: monitoring, cards that report to the bureaus, loans, insurance and rent reporting. Approval, rates and terms are always the provider's decision.

Apex may earn a commission if you apply or buy through the links marked as partner offers, at no extra cost to you. That does not change what we teach in the Club. Rates, terms and approval are decided by each provider, and nothing here is a promise of approval, a rate or a credit score.

Want a person to look at your file first? Talk to a real person. More on how links are paid for is on the disclosures page.