Unsecured Credit Card Offers
Unsecured credit cards are for people with "not so perfect" credit, but still good enough to avoid putting down collateral or to have to open special savings account to secure their new card. The difference between regular and "unsecured" credit cards is in the higher interest rate of the later. The issuers of these cards charge a premium interest or assess your account with various fees.
Please Note: Regular "average-to-good" credit credit cards are not advertised as unsecured so you don't need to have a very good credit rating to be able to get approved for unsecured credit cards.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 19.80%
Ongoing APR: 19.55%
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: 19.55%
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 19.55%
- 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 - Limited History
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 16.90%
Ongoing APR: 16.65%
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: 16.65%
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 16.65%
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you want
*See website for Disclosures.
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® 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.
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.
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.
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 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.
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.
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.
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.
MyCreditCardFinder
One site, dozens of offers tailored to you!
Bad Credit or No Credit can hurt you
All lenders will charge people with no credit or poor credit a higher interest rate when financing a new car, a home or just about anything. Even worst, they might turn you down. Car dealers may charge you over 20% interest, while other people pay less than 10%. Banks run credit checks on new account applications, and if you have bad credit, you might not even be able to open a new checking account. This is the situation, where you need to plan ahead, and establish or re-establish your good credit rating. The sure way to do it, is to start with a new credit card and pay your balance and other bills on time. The catch is, that for people with bad credit or no credit, the options to get a new credit card are limited. This is where we can help: please browse through our selection of poor credit credit cards, and feel free to apply for the ones best meeting your needs.