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. Capital One® Secured MasterCard®
Apply Now
See Details
| Interest Rate: | 22.9% (V)* |
|---|---|
| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Our Opinion: This credit card allows individuals with limited or no credit to enjoy the benefits and convenience of a credit card. This card automatically reports to the three major credit bureaus and build your credit when you use the card responsibly. Track you credit information and receive credit tools with free enrollment in CreditInform. You can even earn credit line increases based on your payment and credit history. This card requires a $200 minimum security deposit. Your credit line will be equal to your security deposit, and will range from $200 to $3,000. You can make your security deposit easily online or over the phone. The Capital One® Secured MasterCard® can be used everywhere that MasterCard is accepted. Therefore, if you have limited or no credit, but want the convenience of a credit card, this card may be the right choice for you.
2. Orchard Bank® Visa® Cards
Apply Now
See Details
| Interest Rate: | 14.99% or 19.99%, or 7.99% for* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Orchard Bank® Visa Cards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with a limited credit history the opportunity to establish better credit. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum Visa is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. The interest rate is average for this type of card. The Orchard Bank Secured Visa has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Standard Visa is another offer. The processing fee is $39. The annual fee for the first year is $29 and then $59 per year thereafter. The Orchard Bank® Gold Visa has a $49 annual fee the first year, and $59 per year thereafter. Also, applicants should expect to pay an account processing fee of $19. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank® Visa® Cards to be a good fit. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.
3. Orchard Bank® Classic MasterCard®
Apply Now
See Details
| Interest Rate: | 14.99% or 19.99%, or 7.99% for* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Our Opinion: Orchard Bank Classic MasterCards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history. The Orchard Bank Platinum MasterCard is for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. There is no account processing fee and the interest rate is average for this type of card. The Orchard Bank's Classic MasterCard has a $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card. The Orchard Bank Classic MasterCard has an annual fee of $29 the first year and $59 per year thereafter. There is also an account processing fee of $39 per year. The Orchard Bank Gold MasterCard has an annual fee that is based on a review of the applicant's credit history and will be $49 the first year and $59 per year thereafter. Also, applicants should expect to pay $19 for the account processing fee. These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.
4. 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.
5. 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.
