Bad Credit/No Credit Credit Card Offers
All lenders will charge people with poor credit a higher interest rate when financing a car, a home or anything else. In a worst case scenario, they might even turn these people down, sometimes not even for having bad credit, but for having NO credit...
Car dealers may charge people with poor or no credit double the "regular" interest. This is the situation, when you need to do something! It is essential, that you start to establish or re-establish a good credit and start it quick. The easiest way to start doing it, is with a credit card, but you will need to pay your balances and other bills on time. To choose a secured or an unsecured credit card, please check out our selection of poor credit credit cards, and apply for the ones best meeting your needs.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 19.80%
Ongoing APR: 19.80%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: None
APR for Balance Transfers: 19.80%
Ongoing APR: 19.80%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: None
Features:
- 0% on purchases until December 2008. After that, variable APR, currently 19.8%
- No annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
- Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
*See website for Disclosures.
Capital One® No Hassle CashSM Rewards - Average/Limited History
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 16.90%
Ongoing APR: 16.90%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: $29.00
APR for Balance Transfers: 16.90%
Ongoing APR: 16.90%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: $29.00
Features:
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until December 2008. After that, variable APR, currently 16.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you want
- $29 annual fee
*See website for Disclosures.
Eufora Elite Credit Builder Prepaid MasterCard®
Eufora™ MasterCard® Card - The Income Opportunity Card™
Summary:
Overlimit Fee: $29.00
Annual Fee: $0.00 ($99.95 WAIVED!)
Overlimit Fee: $29.00
Annual Fee: $0.00 ($99.95 WAIVED!)
Features:
- BUILDS CREDIT! Reports to Credit Bureaus
- 100% Guaranteed Approval* with No Credit Check - Perfect for Bad Credit or No Credit
- FREE Direct Deposit
- FREE Point of Sale Transactions
- FREE 24/7 Online Access
- FREE Live Customer Support
- Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
- Safer than Cash
- Cash Reward Program
- ZERO UP FRONT ($99.95 Advanced Deposit WAIVED)
*View card Terms & Conditions.
New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
Summary:
Ongoing APR: 19.50%
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Annual Fee: $59.00
Ongoing APR: 19.50%
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Annual Fee: $59.00
Features:
- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
BuyRIGHT Prepaid MasterCard®
BuyRIGHT is RIGHT for you!
Summary:
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $49.95
Monthly Fee: $0-$4.95
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $49.95
Monthly Fee: $0-$4.95
UltraVX Visa®
Now anyone can qualify for a credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Credit Line: Up to $25,000
Monthly Fee: $6.95
Ongoing APR: 14.9%
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Credit Line: Up to $25,000
Monthly Fee: $6.95
Features:
- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
First PREMIER Bank Secured MasterCard®
A MasterCard® Credit Card for Those with Less than Perfect Credit!
Summary:
Ongoing APR: 19.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Annual Fee: $69.00*
Ongoing APR: 19.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Annual Fee: $69.00*
Features:
- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard® logo
- Over 3 million credit card holders
- Enjoy the benefit of 24-hour phone account access
*See Rates, Fees & Terms for current information.
First PREMIER Bank MasterCard®
Apply for a Credit Card with Less than Perfect Credit!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Orchard Bank Classic MasterCard®
If you do not qualify for the Classic card, you will be offered Secured card!
Summary:
Ongoing APR: 8.90%-15.99%
Late Fee: $30-$35
Overlimit Fee: $30.00
Grace Period: 25 Days
Annual Fee: $79.00
Ongoing APR: 8.90%-15.99%
Late Fee: $30-$35
Overlimit Fee: $30.00
Grace Period: 25 Days
Annual Fee: $79.00
Features:
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
View the Credit Terms & Conditions.
Centennial® Secured MasterCard®
A Secured Card that Reports monthly to 4 Major Credit Bureaus
Summary:
Ongoing APR: 19.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Annual Fee: $69.00*
Monthly Fee: $7.00*
Ongoing APR: 19.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $200 minimum deposit*
Credit Line: $200 to $5,000*
Annual Fee: $69.00*
Monthly Fee: $7.00*
Features:
- A MasterCard® for Those With Less Than Perfect Credit
- Enjoy the Benefit of 24 hour Account Access by Phone
- Accepted where you see the MasterCard® Logo
- Over 3 Million Card Holders
- Quality Customer Service
*See Rates, Fees & Terms for current information.
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Total Initial Charge: $9.95
Monthly Fee: $3.95
Total Initial Charge: $9.95
Monthly Fee: $3.95
Features:
- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.
AccountNow™ Vantage Debit MasterCard®
Get the perfect alternative to a bank account!
Summary:
Overlimit Fee: $29.00
Returned Check Fee: $29.00
Grace Period: N/A
Total Initial Charge: $19.95 (Plus Plan)
Credit Line: relodable $10,000
Monthly Fee: $4.95 (Plus Plan)
Overlimit Fee: $29.00
Returned Check Fee: $29.00
Grace Period: N/A
Total Initial Charge: $19.95 (Plus Plan)
Credit Line: relodable $10,000
Monthly Fee: $4.95 (Plus Plan)
Features:
- Instant Guaranteed Approval* — no credit check, no security deposit
- $0 ACTIVATION FEE — when you load your card by direct deposit
- Free Direct Deposit — no more check cashing fees
- Free Online Bill Pay — no need for expensive money orders
- Free Credit Builder* — bill pay transactions are reported to PRBC®
- No Overdraft Fees — no minimum balance required
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
Western Union® Prepaid MasterCard®
Credit problem? No problem!
Summary:
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Monthly Fee: $4.95
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Monthly Fee: $4.95
Features:
- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.
All-Access® Visa® Prepaid Card
Choice of Flat-fee or Pay-as-you-go Fee Plans.
Summary:
Returned Check Fee: $5.95
Grace Period: N/A
Total Initial Charge: $9.95
Credit Line: $5,000 Maximum Deposit
Annual Fee: $0.00 or $69.95*
Monthly Fee: $0 or $9.95*
Returned Check Fee: $5.95
Grace Period: N/A
Total Initial Charge: $9.95
Credit Line: $5,000 Maximum Deposit
Annual Fee: $0.00 or $69.95*
Monthly Fee: $0 or $9.95*
Centennial® MasterCard®/Visa®
Reports monthly to 4 Major Credit Bureaus!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Centennial® Gold MasterCard®/Visa®
Your Chance to Apply for the Prestige of GOLD!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
First PREMIER Bank Platinum Credit Card
Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
First PREMIER Bank Gold MasterCard®
Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
Total Visa® Card
The VISA Card for people with "less than perfect" credit.
Summary:
Ongoing APR: 19.92%
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Ongoing APR: 19.92%
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Features:
- Instant On-Line Decision
- Free 24 hour Online Account Access
- Monthly Reporting to All Major Credit Bureaus
- Fraud Protection
- Outstanding Customer Service
See Rates, Fees & Other Costs.
Rewards 660 Visa® Card
Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
Summary:
Ongoing APR: 19.92%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
Annual Fee: $48.00
Monthly Fee: $10.00
Ongoing APR: 19.92%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
Annual Fee: $48.00
Monthly Fee: $10.00
Features:
- No Fee Credit Limit Increases*
- $300 Starting and $2,000 Maximum Credit Limit
- Fast Online Response
- Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
- FREE Online Account Access
- FREE Online Payments
*See Rates, Fees & Terms.
Continental Finance Gold MasterCard®
Get a second chance with rates as low as 9.75% APR*!
Summary:
Ongoing APR: 9.75%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $225.00
Credit Line: $300-$2,000*
Annual Fee: $25.00
Monthly Fee: $12.00
Ongoing APR: 9.75%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $225.00
Credit Line: $300-$2,000*
Annual Fee: $25.00
Monthly Fee: $12.00
Features:
- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Access Visa® Card
Access Visa® for those with less than perfect credit!
Summary:
Ongoing APR: 19.92%
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Ongoing APR: 19.92%
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Features:
- Instant On-Line Decision
- Bad Credit? No Credit? Give Access A Try!
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
See Rates, Fees & Other Costs.
Continental Finance MasterCard®
Get a second chance with Continental Finance!
Summary:
Ongoing APR: 19.92%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $250.00
Credit Line: $300-$2,000*
Annual Fee: $50.00
Monthly Fee: $12.00
Ongoing APR: 19.92%
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $250.00
Credit Line: $300-$2,000*
Annual Fee: $50.00
Monthly Fee: $12.00
Features:
- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- No Minimum Monthly Income Requirements
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*See website for other fees, rates, and terms and conditions.
Tribute® Gold MasterCard® Credit Card
Bad credit history? This could be the right card for you!
Summary:
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Annual Fee: $150*
Monthly Fee: $6*
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Annual Fee: $150*
Monthly Fee: $6*
Features:
- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
