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. Orchard Bank Classic MasterCard®
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| Interest Rate: | APR Varies* |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $49 |
Our Opinion: Created for those with a limited credit history or average credit. If used correctly with on-time payments, this card can help build a positive credit history. Acceptable interest rate, but still costly if you carry a balance. The annual fee is $49 and the application fee is $49 ($98 in fees the first year).
2. Bank of America Secured Visa® Platinum Card
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| Interest Rate: | 15.99% |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | up to $10,000 |
| Annual Fee: | $29 |
Our Opinion: The Bank of America Secured Visa® Platinum Card issued by Bank of America, is designed for those with limited or poor credit who may have had difficulty in obtaining a standard unsecured credit card. There is an annual fee of $29, which is average for a secured card. Although the APR applied to purchases is average for a secured card, this card does not charge an application fee or a transaction fee for purchases, which are favorable benefits. Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits, including auto rental insurance, travel, and emergency assistance, and Total Security Protection®. Perhaps the best benefit is the option to receive convenience checks at no extra charge. The card also offers access to the Photo Expressions®. Therefore, those who can afford to pay in full each month (to avoid finance charges) and can afford the $300 minimum deposit will benefit most from what the Bank of America Secured Visa® Platinum Card has to offer.
3. Wired Plastic™ Prepaid Visa® Card
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| 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.
4. All-Access® Visa® Prepaid Card
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| Interest Rate: | n/app |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | up to $10,000 |
| Annual Fee: | None |
Our Opinion: Created for those who may not be able to get an unsecured card. Cardholder must make payments in advance. Can make payment by check, balance transfer, debit or credit card transfer, or PayPal. No monthly fee with the pay per transaction plan, but there is a fee for each purchase made with the card. If you will regularly use the card, the Fee Advantage program charges a monthly fee, but cardholders can make unlimited purchases. Fee Advantage is a good option if you will use the card 5-10 times per month. The application fee is low compared to most prepaid cards. This card also offers overdraft protection and no liability for unauthorized transactions.
5. BuyRIGHT Pre-Paid MasterCard®
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| 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.
6. Continental Finance Gold MasterCard®
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| Interest Rate: | 9.75% |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $2,000 |
| Annual Fee: | $25 |
Our Opinion: The Continental Finance Gold MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance. The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus. This card has a very low APR of 9.75%, and it has an annual fee of $25. It also charges a monthly maintenance fee of $12 ($144 per year). However, the monthly maintenance fee is waived for the first month. There is a one-time account processing fee of $200. This means that the total amount of fees that a cardholder can expect to pay in the first year will be $357. Cardholders will also receive free online access, excellent online tools for managing their finances, and semi-annual credit limit increases*. Therefore, those who want a second chance with their credit, do not mind paying the various fees, and would prefer an unsecured credit card may find the Continental Finance Gold MasterCard® to be beneficial.
7. Continental Finance MasterCard®
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| Interest Rate: | 19.92% |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $2,000 |
| Annual Fee: | $50 |
Our Opinion: The Continental Finance MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance. The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus. This card has an above average APR of 19.92%, and it has an annual fee of $50. It also charges a monthly maintenance fee of $12 ($144 per year). However, the monthly maintenance fee is waived for the first month. There is a one-time account processing fee of $200. This means that the total amount of fees that a cardholder can expect to pay in the first year will be $382. Cardholders will also receive free online access, excellent online tools for managing their finances, and semi-annual credit limit increases*. Therefore, those who want a second chance with their credit, do not mind paying the various fees, and would prefer an unsecured credit card may find the Continental Finance MasterCard® to be beneficial.