Best Egg review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Egg suits US borrowers who want a credit card alongside personal loans at fixed interest rates, with the lending side run by Maralette Marketing, LLC. Personal loan rates run 6.99% to 35.99%, against a site credit card APR of 20.97% for the cards compared here, and the card itself pays nothing back.
Key facts
- Best for
- A credit card and loan pair for US borrowers who put fixed rates ahead of cashback.
- APR
- 6.99% to 35.99% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours, Fixed interest rates (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Marlette Marketing, LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Official website
- bestegg.com
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXbbb.org
Pros and cons
Pros
- Fixed interest rates and a Homeowner Discount on secured loans sit in Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates.
- Quick funding is listed in Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates, so money can arrive sooner.
- Help runs on phone, email and help centre: phone, email and a help centre.
- Lending partners are FDIC bank members, including Cross River Bank and Column N.A.
Cons
- The rewards type is none, so everyday spend earns nothing back.
- Borrowing costs 6.99% to 35.99%, well above the 0% on the Varo Believe Secured Credit Card.
- Support runs on phone, email and help centre, with no live chat in the mix.
Ready to try Best Egg?
Scored 9.4 / 10 by DebitCue.
Who it suits
- US borrowers who want a card and personal loans from one brand, with fixed interest rates per Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates.
- Homeowners, who can look at the Homeowner Discount secured loan listed in Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates.
- People who would rather lower the cost of borrowing than earn cashback, since the rewards type is none.
Who should look elsewhere
- Reward hunters: the Chime Card (Secured Visa Credit Card) pays cashback per cashback.
- Anyone chasing the lowest rate: the Varo Believe Secured Credit Card carries 0% against 6.99% to 35.99%.
- Readers outside the US market, since the loans and licences sit in the US.
How Best Egg compares
9.4 vs 9.0
9.4 vs 8.9
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9.4 vs 9.0
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9.4 vs 8.0
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Where Best Egg is available
- Available
- United States
- Licence in United States
- State licensing, NMLS Consumer Access (Marlette Funding, LLC) (1849194), checked September 26, 2026
- Licence in United States
- State licensing, NMLS Consumer Access (Marlette Servicing, LLC) (1849345), checked September 26, 2026
- Licence in United States
- New Mexico Regulation and Licensing Department, Financial Institutions Division (02389), checked September 26, 2026
- Licence in United States
- Arizona (CL-2008570), checked September 26, 2026
- Licence in United States
- Pennsylvania (113535), checked September 26, 2026
- Licence in United States
- Texas (2500079382-173814), checked September 26, 2026
- Licence in United States
- FDIC (bank membership of lending partners Cross River Bank and Column N.A.), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate do Egg personal loans charge?+
Personal loan rates run 6.99% to 35.99% here, against a site credit card APR of 20.97% for the cards compared on DebitCue. The rate you are offered depends on your credit profile, so the range is the guide. Fixed interest rates also appear in Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates.
Does the Egg credit card earn rewards?+
The rewards type is none, so everyday spend earns nothing back. Readers who want a reward on purchases have a clearer option in the Chime Card (Secured Visa Credit Card), which pays cashback per cashback. Here the value sits on the lending side.
What comes with an Egg loan?+
Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours and Fixed interest rates lists a Homeowner Discount on secured loans, quick funding and fixed interest rates. The discount is aimed at homeowners, and a fixed rate keeps repayments level for the life of the loan, which makes budgeting simpler than a variable rate.
How do I reach Egg support?+
Support runs on phone, email and help centre: phone, email and a help centre. Live chat is not part of that mix, so a quick question about an application or a payment means a call or an email instead.
Is Egg regulated and licensed?+
Lending sits under State licensing, NMLS Consumer Access, with the funding entity listed as 1849194 and the servicing entity as 1849345. State licences also cover Arizona (CL-2008570) and Texas (2500079382-173814), and lending partners are FDIC bank members.
How do Egg's rates compare with secured credit cards?+
Egg's personal loan rate runs 6.99% to 35.99%, while the Varo Believe Secured Credit Card sits at 0%. That gap is the main thing to weigh: the loan rate is the cost of borrowing money, and it is far higher here than on the secured card.
Is the Egg card a debit card?+
No, the card kind is credit. Readers who want a debit product should look at the Starling Personal Account Debit Card, which shows 15% on its current account, or at the Varo Believe Secured Credit Card for a secured credit route.
Sources
- bestegg.com checked September 26, 2026
Backs: Legal entity, Perks
“(c) 2026 Marlette Marketing, LLC. All rights reserved.”
- bestegg.com/about-us checked September 26, 2026
Backs: Headquarters
“Headquartered in Wilmington, DE”
- bestegg.com/contact-us checked September 26, 2026
Backs: Support channels
“SPEAK WITH US 1-855-282-6353 ... EMAIL US loan_assistance@bestegg.com ... STILL HAVE QUESTIONS? Read FAQs”
- bestegg.com/credit-card checked September 26, 2026
Backs: Card kind, Rewards type
“The Best Egg Credit Card is issued by Column N.A., pursuant to a license by Visa U.S.A.”
- bestegg.com/licenses checked September 26, 2026
Backs: Licences
- bestegg.com/personal-loans checked September 26, 2026
Backs: APR
“Best Egg Personal Loan: Annual Percentage Rates (APRs) range from 6.99%-35.99%”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee.
Best Egg
A credit card and loan pair for US borrowers who put fixed rates ahead of cashback.