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BAD CREDIT/NO CREDIT CREDIT CARDS
There are several reasons why someone's credit rating can go from an acceptable level to a very low score. When people with good credit have many credit cards at their fingertips, overcharging of these credit cards is tempting. Paying off debt is much harder than piling it up, especially if there is a loss of a workplace or other financial hardships occur.
Fortunately, even for people in a "poor credit" situation, a few credit cards are still available. On this page we have credit cards especially designed for people with poor or no credit. If you would like to have the convenience of a credit card WITHOUT actually having a credit card, you can settle to "BUY" a prepaid card.
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- Enjoy 0% on purchases until October 2008
- No annual fee
- Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping
*See website for Disclosures.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Reward Program: Saving Zone Discounts
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- 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.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Annual Fee: $29.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Reward Program: At least 1.25 miles/dollar on net purchases*
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- 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.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: 7.90%-14.90%
Total Initial Charge: $200 minimum deposit
Annual Fee: $0-$35
Late Fee: $30-$35
Overlimit Fee: $30.00
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
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- 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.
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Total Initial Charge: $200.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Late Fee: $29.00
Overlimit Fee: $25.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Returned Check Fee: $25.00
Grace Period: 25 Days
Credit Line: Starting at $250.00
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- 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.
Issuer: Dakota State Bank
Ongoing APR: 19.92%
Annual Fee: $48.00
Monthly Fee: $10.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
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- 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.
Issuer: First Bank of Delaware
Ongoing APR: 19.92%
Total Initial Charge: $250.00
Annual Fee: $50.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- 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
Issuer: MetaBank
Ongoing APR: 14.9%
Total Initial Charge: $29.95
Monthly Fee: $6.95
Late Fee: $25.00
Overlimit Fee: $25.00
Cash Advance APR: 18.00%
Cash Advance Fee: $2
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Credit Line: Up to $25,000
Reward Program: Clear Rewards
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- 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.
Issuer: First Bank of Delaware
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Annual Fee: $150*
Monthly Fee: $6*
Late Fee: $35*
Overlimit Fee: $35*
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
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- 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.
Issuer: First Bank of Delaware
Ongoing APR: 9.75%
Total Initial Charge: $225.00
Annual Fee: $25.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- 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.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: 8.90%-15.99%
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Grace Period: 25 Days
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- 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.
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Total Initial Charge: $99.95
Annual Fee: $59.00
Late Fee: $20.00
Overlimit Fee: $20.00
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Grace Period: None
Credit Line: $300 to $5,000/card
Reward Program: Travel Rewards
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Total Initial Charge: $200 minimum deposit*
Annual Fee: $69.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: $200 to $5,000*
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- No credit checks or turndowns
- No employment verification
- Merchandise credit limit increases available
- Merchandise credit line is reported to a major Credit Bureau
- *Guaranteed Instant Online Approval
- Apply now and receive a *FREE $50 gift card
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Total Initial Charge: $149.95
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $12,500 on merchandise
Reward Program: $50 Gift Card
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- No Employment Verifications
- No Credit Checks
- Membership is *Free
- $2,500 unsecured merchandise credit line
- Poor Credit? No Credit? No Problem
- *Guaranteed Instant Online Approval
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $2,500 on merchandise
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- 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.
Issuer: First PREMIER Bank
Ongoing APR: 19.9%*
Total Initial Charge: $200 minimum deposit*
Annual Fee: $69.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: $200 to $5,000*
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- 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.
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Total Initial Charge: $200.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Late Fee: $29.00
Overlimit Fee: $25.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Returned Check Fee: $25.00
Grace Period: 25 Days
Credit Line: Starting at $250.00
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- Up to $5,000 Unsecured Gold Merchandise Credit Line!
- NO Credit Checks or Credit Turndowns!
- NO Employment Verifications!
- Merchandise Credit Limit Increases Available
- Establish Credit by Reporting to Major Credit Bureau!
- Enjoy great merchandise while establishing your credit! Apply Now!
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Total Initial Charge: $149.95
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $5,000 on merchandise
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- Click-N-Pay bill payment
- Free direct deposit
- Free activity alerts
- On-line money management tools
- BuyRIGHT Rewards program
- No Credit Checks
- No Employment Verification
- No Monthly or Annual Fee Option
- Free BuyRIGHT Marketplace Membership
Issuer: MetaBank
Total Initial Charge: $49.95
Monthly Fee: $0-$4.95
Late Fee: N/A
Returned Check Fee: $25.00
Grace Period: N/A
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- 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.
Issuer: BankFirst
Total Initial Charge: $9.95
Monthly Fee: $4.95
Overlimit Fee: $25.00
Credit Line: $2,500 (maximum Card Balance Value)
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- Approval is *Guaranteed when Qualifications are Met
- $6,000 Unsecured Gold Merchandise Credit Line
- The Card is an Unsecured Line of Credit
- The Shopping Club Offers Over 15,000 Products
- Merchandise Credit Limit Increases Available
- The Merchandise Credit Line is Reported to a Major Credit Bureau
- No Credit Checks or Credit Turndowns
- No Employment Verifications
- No interest Charges.
- You can be Approved Even with No Credit or Bad Credit
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Total Initial Charge: $149.95
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $6,000 on merchandise
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- *Guaranteed Approval!
- *Bad Credit Accepted!
- *No Employment Check!
- *Reports to a Major Bureau!
*See Complete Terms & Conditions for details.
Issuer: Horizon Card Services
Ongoing APR: 0.00%
Total Initial Charge: $35.00
Annual Fee: None
Monthly Fee: $14.95-$20.95
Late Fee: $10.00
Returned Check Fee: $25.00
Grace Period: N/A
Credit Line: $500
Reward Program: Free Equifax Credit Report™
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- *Guaranteed Online Approval
- $7500 Unsecured Platinum Merchandise Credit Line
- No Credit Checks or Credit Turndowns
- No Employment Verifications
- Merchandise Credit Limit Increases Available
- Establish Credit by Reporting to a Major Credit Bureau
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Total Initial Charge: $149.95
Annual Fee: None
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $7,500 on merchandise
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- Unsecured merchandise credit line up to $7,500!
- Enjoy great merchandise while establishing your credit!
- No employment verifications and No credit checks.
- Merchandise Credit Limit Increases Available.
- Reports to a major credit bureau.
- Great for establishing credit.
*See website for Terms & Conditions.
Issuer: USA Credit
Ongoing APR: 0.00%
Total Initial Charge: $149.95
Annual Fee: None
Monthly Fee: $0 ($19.95 for Elite Level)
Late Fee: $10.00
Overlimit Fee: N/A
Returned Check Fee: $20.00
Grace Period: N/A
Credit Line: $7,500 on merchandise
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If you want to see where your credit stands, check your credit report first.
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