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Poor Credit / Bad Credit

These credit cards are for people that have poor or less than perfect credit. Our objective opinion is included on each card.

1. First Option Visa® Card

First Option Visa® Card Apply Now See Details
Interest Rate*: 19.5%
Intro Rate: No Introductory Rate Available
Grace Period: None
Credit Limit: up to $5,000
Annual Fee: $59

Our Opinion: Created for those with no credit history, or past credit problems. Secured card that establishes an interest yielding collateral savings account on behalf of the cardholder. Each deposit is funded by the cardholder and is applied to the credit limit, which can be as much as $5,000. The interest rate is high, even for a secured card, so pay it off each month. $59 annual fee, plus a $99.95 processing fee. No monthly activity fee. If you aren't approved, processing fee is refunded. Allows you to establish a credit history with the three major credit bureaus.

2. Wired Plastic™ Prepaid Visa® Card

Wired Plastic™ Prepaid Visa® Card Apply Now See Details
Interest Rate*: n/app
Intro Rate: No Introductory Rate Available
Grace Period: n/app
Credit Limit: n/a
Annual Fee: None

Our Opinion: Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.

3. BuyRIGHT Pre-Paid MasterCard®

BuyRIGHT Pre-Paid MasterCard® Apply Now See Details
Interest Rate*: n/app
Intro Rate: No Introductory Rate Available
Grace Period: n/app
Credit Limit: up to $2,500
Annual Fee: None

Our Opinion: Requires first load of $20. There is no fee to load the card with direct depost. You will pay a fee with other types of funding. Fees include: $29.95 set-up fee, choose betwee a $7.95 monthly fee or $1 per transaction fee (choose the monthly fee if you make over 8 transactions each month). They also offer a free BuyRight Membership. This gives you access to a pre-approved $5,000 line of credit that you can only use on purchases at the BuyRIGHT Marketplace; this is not connected to the BuyRIGHT prepaid card. The BuyRIGHT awards program offers 1 point per $1 on purchases. Earn unlimited points; points do not expire.

4. Applied Bank® Secured Visa® Credit Card

Applied Bank® Secured Visa® Credit Card Apply Now See Details
Interest Rate*: 9.99%
Intro Rate: No Introductory Rate Available
Grace Period: None
Credit Limit: up to $5,000
Annual Fee: $50

Our Opinion: Created for those with poor or limited credit history. The fixed APR is 9.99% for purchases and cash advances, reasonably low for a secured card. Deposit between $200-$5,000. The annual fee is $50. Please note that there is no grace period for purchases, interest is applied immediately to any charges made with the card. Also, the card does not pay interest to the deposit amount.

5. Applied Bank® Secured Visa® Gold Card

Applied Bank® Secured Visa® Gold Card Apply Now See Details
Interest Rate*: 9.99%
Intro Rate: No Introductory Rate Available
Grace Period: None
Credit Limit: up to $5,000
Annual Fee: $50

Our Opinion: Created for those with poor or limited credit history. The fixed APR is 9.99% for purchases and cash advances, reasonably low for a secured card. Deposit between $200-$5,000. The annual fee is $50. Please note that there is no grace period for purchases, interest is applied immediately to any charges made with the card. Also, the card does not pay interest to the deposit amount.

6. New Millennium Bank Secured Black Diamond Visa®/MasterCard®

New Millennium Bank Secured Black Diamond Visa®/MasterCard® Apply Now See Details
Interest Rate*: 19.5%
Intro Rate: No Introductory Rate Available
Grace Period: None
Credit Limit: up to $5,000**
Annual Fee: $59

Our Opinion: Created for those with poor or limited credit who may have difficulty in obtaining an unsecured credit card. Benefits include extended warranty for purchases, auto rental insurance, and travel accident insurance. Cardholder is awarded a free companion airline ticket. High APR, but interest is applied to the deposit. The card has a no turn-down, no credit check policy. The annual fee is $59 and the processing fee is $99.95. Please note that that there is no grace period for purchases, interest will be applied to any charges made with the card.

7. New Millennium Bank Secured Gold Visa® / MasterCard®

New Millennium Bank Secured Gold Visa® / MasterCard® Apply Now See Details
Interest Rate*: 19.5%
Intro Rate: No Introductory Rate Available
Grace Period: None
Credit Limit: up to $5,000**
Annual Fee: $59

Our Opinion: Created for those with poor or limited credit who may have difficulty in obtaining an unsecured credit card. Benefits include extended warranty for purchases, auto rental insurance, and travel accident insurance. Cardholder is awarded a free companion airline ticket. High APR, but interest is applied to the deposit. The card has a no turn-down, no credit check policy. The annual fee is $59 and the processing fee is $69.95. Please note that that there is no grace period for purchases, interest will be applied to any charges made with the card.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
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