Credit Card offers for Bad Credit History Applicants

Reflex® Platinum Mastercard®

Rewards: None
For Fair, Bad, Limited Credit

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
See if you’re Pre-Qualified with no impact to your credit score
All credit types welcome to apply
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Initial Credit Limit of $300 – $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
Fast and easy application process; results in seconds
Use your card at locations everywhere Mastercard® is accepted
Checking Account Required

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	29.99% (Variable)	See Terms	Be the First

Mission Lane Visa® Credit Card

Rewards: None
For Fair to Bad Credit

See if you qualify instantly without harming your credit score.
Be automatically considered for a higher credit line in as few as 7 months.
Free, online credit score access for cardholders.
Instant decision on your application.
No interest on purchases when you pay in full and on time each month.
No security deposit required – get started today!
Enjoy coverage from Visa®.
Access your account anytime, anywhere with our mobile app.
If you are charged interest, the charge will be no less than $0.50.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	26.99 - 29.99% Variable	$0-59	Be the First

Petal® 1 "No Annual Fee" Visa® Credit Card

Rewards: Cash Back
For Fair, Bad, Limited or No Credit

$0 Annual Fee
Variable APRs range from 24.99% - 34.49%
$300 - $5,000 credit limits
Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
No credit score? No problem. If eligible, we'll create your Cash Score instead.
2% - 10% cash back at select merchants
See if you're pre-approved within minutes without impacting your credit score.
No annual or foreign transaction fees.
Build credit alongside hundreds of thousands of Petal card members.
Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	24.99% - 34.49% Variable	$0	Be the First

Merrick Bank Double Your Line® Secured Credit Card

Rewards: None
For Bad, Limited or No Credit

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	22.45% Variable	$36 the first year. Billed $3 per month thereafter	Be the First

Total Visa® Card

Rewards: None
For Bad Credit

Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
Checking Account Required
Fast and easy application process; response provided in seconds
A genuine Visa credit card accepted by merchants nationwide across the USA and online
Manageable monthly payments
$300 credit limit (subject to available credit)
Reports monthly to all three major credit bureaus

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	See Terms	See Terms	2 Reviews

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Rewards: None
For Fair, Bad, Limited Credit

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
Absolutely No Credit Check or Minimum Credit Score Required
Automatic Reporting to All Three National Credit Bureaus
9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
Activate Today with a $200 Minimum Deposit - Maximum $1,000.
Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	9.99% Fixed	$48	Be the First

Merrick Bank Secured Credit Card

Rewards: None
For Bad, Limited or No Credit

Choose your own credit line based on how much money you want to put down as a security deposit.
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	22.45% Variable	$36 for first year. Billed $3 per month thereafter	Be the First

First Progress Platinum Prestige Mastercard® Secured Credit Card

Rewards: Cash Back
For Bad, Limited or No Credit

Earn 1% Cash Back Rewards on payments!
No minimum credit history or credit score required.
Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
Accepted wherever Mastercard® is accepted, online and worldwide!
Reports to all 3 major credit bureaus.
Manage your statements, transactions & rewards on-the-go with the First Progress Card Mobile App!

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	14.99% (V)*	$49	Be the First

First Digital Mastercard®

Rewards: None
For Bad Credit

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
Easy and secure online application – It takes just moments to apply.
Issued by Synovus Bank, Member: FDIC

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	35.99%	$75.00 for first year. After that, $48.00 annually	Be the First

Surge® Platinum Mastercard®

Rewards: None
For Fair to Bad Credit

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
Initial Credit Limit of $300 – $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
See if you’re Pre-Qualified without impacting your credit score
Fast and easy application process; results in seconds
Free online account access 24/7
Checking Account Required
See Rates & Fees

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	29.99% (Variable)	See website for Details*	1 Review

First Access Visa® Card

Rewards: None
For Bad Credit

Checking Account Required
Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
$300 credit limit (subject to available credit)
The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	See Terms	See Terms	Be the First

OpenSky® Secured Visa® Credit Card

Rewards: None
For Bad, Limited or No Credit

No credit check to apply and find out instantly if you are approved
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement

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Balance Transfer Intro.	Purchases Intro	Bonus Offer	Regular APR	Annual Fee	Reviews
N/A	N/A	None	22.39% (variable)	$35	Be the First

†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

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Card Offers For People With Bad Or No Credit