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.
Apply for a Credit Card with Less than Perfect Credit!
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
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*
Issuer: First PREMIER Bank
- 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.
Great choice if you carry a balance short-term.
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Reward Program: Saving Zone Discounts
Credit Line: $300-$3,000*
Issuer: Capital One Bank
A Cash Back card for people New to Credit.
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Reward Program: At least 1.25 miles/dollar on net purchases*
Credit Line: $300-$3,000*
Issuer: Capital One Bank
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you like
- $29 annual fee
*See website for Disclosures.
Bad Credit — Good Secured MasterCard®!
Ongoing APR: 7.90%-14.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $0-$35
Late Fee: $30-$35
Overlimit Fee: $30.00
Total Initial Charge: $200 minimum deposit
Issuer: HSBC Bank Nevada, N.A.
- Set your own credit limit starting at $200, all online
- The perfect card to start building or rebuild your credit
- Reporting monthly to all major credit bureaus
- Your choice of payment due dates to fit your schedule
- Free standard bill pay and online account management tools
- E-alerts to your email or cell phone to remind you when a payment is due
View the Credit Terms & Conditions.
The VISA Card for people with "less than perfect" credit.
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
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
Issuer: Plains Commerce Bank
- 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.
Reports monthly to 4 Major Credit Bureaus!
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
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*
Issuer: First PREMIER Bank
- 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.
Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
Issuer: Dakota State Bank
- 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.
Get a second chance with Continental Finance!
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
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*
Issuer: First Bank of Delaware
- 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
*Approval subject to other criteria. See Terms and Conditions.
Now anyone can qualify for a credit card with UltraVX Visa®.
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
- 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
Get a second chance with rates as low as 9.75% APR*!
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
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*
Issuer: First Bank of Delaware
- 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.
Bad credit history? This could be the right card for you!
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
- 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.
Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
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*
Issuer: First PREMIER Bank
- 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.
Your Chance to Apply for the Prestige of GOLD!
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
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*
Issuer: First PREMIER Bank
- 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.
If you do not qualify for the Classic card, you will be offered Secured card!
Ongoing APR: 8.90%-15.99%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Grace Period: 25 Days
Issuer: HSBC Bank Nevada, N.A.
- 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.
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
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
- 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.
A MasterCard® Credit Card for Those with Less than Perfect Credit!
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
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*
Issuer: First PREMIER Bank
- 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.
Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
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*
Issuer: First PREMIER Bank
- 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.
A Secured Card that Reports monthly to 4 Major Credit Bureaus
Ongoing APR: 19.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $69.00*
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*
Issuer: First PREMIER Bank
- 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.
One site, dozens of offers tailored to you!
Ongoing APR: N/A
Choice of Flat-fee or Pay-as-you-go Fee Plans.
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
Access Visa® for those with less than perfect credit!
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
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
Issuer: Plains Commerce Bank
- 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.
BuyRIGHT is RIGHT for you!
Ongoing APR: N/A
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
Total Initial Charge: $49.95
Issuer: MetaBank
Get the perfect alternative to a bank account!
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
- 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.
Credit problem? No problem!
Ongoing APR: N/A
Overlimit Fee: $25.00
Total Initial Charge: $9.95
Credit Line: $2,500 (maximum Card Balance Value)
Issuer: BankFirst
- 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.
Guaranteed Approval*. Earn Reward Points on Every Purchase.
Ongoing APR: N/A
Total Initial Charge: $9.95
Reward Program: Wired Points™
Issuer: BankFirst
- 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.

























