No Credit/Bad Credit Credit Cards
Increasingly, having a good credit rating is important not only to be able to borrow money or get a home loan. Your credit score might even come into play when you apply for a job or try to rent a house or an apartment. Even your home and auto insurance can be influenced by your credit rating.
Tips to rebuild your credit
- If you have real bad credit, start with a secured credit card. Qualifying for a Secured credit card is easy, since in essence, you are making a bank deposit that equals your credit line (less fees).
- With slightly damaged credit you can try applying for higher a rate and/or fee but still no-collateral credit card, usually called as an Unsecured Credit card.
- Keep in mind that you are trying to rebuild your credit and not trying to get into more debt! Only use the card for purchases you can afford to pay in full at the end of the month.
- Don't miss payments because credit records are so delicate that even one(!) late payment could seriously effect your rating.
- After 12-18 months of on-time payments, you can ask your secured credit card issuer to convert your card into a non-secured card often advertised as an "unsecured" credit card.
- Look for a "poor credit" credit card that doesn't charge a large application fee or any other excessive processing fees to open your account, but check their interest rates also. Some unsecured credit cards have higher fees and lower rates; choose these if you are planning to carry a significant balance. Other unsecured credit cards have lower fees but higher interest rates; choose these if you are NOT going to carry a significant balance.
- Avoid cards that do not report payments to one or more of the three major credit card bureaus, because without reporting, you won't be able to rebuild your credit.
To get a lower interest rate on your credit, you need a credit score ranging from fair to good. Building a verifiable payment history to upset the negative items on your credit report can significantly raise your credit score. You may improve your scores up to 100 points by getting a major brand or a merchant catalog credit card, which reports your in-time payments on a regular basis.
Choose a more specific poor credit credit card type from the menu bar on the left or browse through the full selection of our Poor Credit/No Credit credit cards below. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.
New Millennium Bank Secured Gold Visa® / Mastercard®
Credit limits up to $10,000*
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $69.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $69.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Approved regardless of credit history or income
- Credit limits up to $10,000* (with both, Visa® and MasterCard® cards)
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
NMB Secured Black Diamond Visa® or Mastercard®
CREDIT BUILDER PROGRAM!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Offers
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Offers
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Approved regardless of credit history
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
*See Rates, Fees & Other Terms.
UltraVX Visa®
Now anyone can qualify for a credit card with UltraVX Visa®.
Summary:
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
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
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
Ongoing APR: 14.9%
Cash Advance APR: 18.00%
Cash Advance Fee: $2
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
Reward Program: Clear Rewards
Credit Line: Up to $25,000
Issuer: MetaBank
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
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%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Issuer: First Bank of Delaware
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Issuer: First Bank of Delaware
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.
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%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Rewards
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Reward Program: Travel Rewards
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
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.
First Option Visa®
Get a REAL Visa® Credit Card!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
MyCreditCardFinder
One site, dozens of offers tailored to you!
Summary:
Ongoing APR: N/A
Ongoing APR: N/A
All-Access® Visa® Prepaid Card
Choice of Flat-fee or Pay-as-you-go Fee Plans.
Summary:
Ongoing APR: N/A
Annual Fee: $0.00 or $69.95*
Returned Check Fee: $5.95
Grace Period: N/A
Total Initial Charge: $9.95
Credit Line: $5,000 Maximum Deposit
Issuer: MetaBank
Ongoing APR: N/A
Annual Fee: $0.00 or $69.95*
Returned Check Fee: $5.95
Grace Period: N/A
Total Initial Charge: $9.95
Credit Line: $5,000 Maximum Deposit
Issuer: MetaBank
BuyRIGHT Prepaid MasterCard®
BuyRIGHT is RIGHT for you!
Summary:
Ongoing APR: N/A
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $49.95
Issuer: MetaBank
Ongoing APR: N/A
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $49.95
Issuer: MetaBank
AccountNow™ Vantage Debit MasterCard®
Get the perfect alternative to a bank account!
Summary:
Ongoing APR: N/A
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
Issuer: MetaBank
Ongoing APR: N/A
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
Issuer: MetaBank
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
- iAdvance loan option, no credit check needed.*
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
Western Union® Prepaid MasterCard®
Credit problem? No problem!
Summary:
Ongoing APR: N/A
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Issuer: BankFirst
Ongoing APR: N/A
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Issuer: BankFirst
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.
Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Summary:
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
Ongoing APR: N/A
Annual Fee: None*
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
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.