1. First Option Visa® Card

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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. AccountNow® Prepaid Visa®

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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: Pre-paid card that does not require a banking account, but does require advance payments. The processing fee is $19.95. The monthly fee is $4.95 ($59.40 per year). $.50 transaction fee for each purchase with the card. However, there is a free bill pay service for the first 7 transactions each month. $2 U.S. ATM transaction fee (1 free cash withdrawal per month). One of the best features is access to a free credit builder service; this reports bill payment info to a national credit reporting agency, which can help build your credit score.

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

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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.

4. AccountNow® Prepaid MasterCard®

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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: The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card. Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®. It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees. It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month) and access to a free credit builder service, which reports bill payment information to a national credit reporting agency. Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases, do not mind paying upfront fees, and would like the opportunity to participate in the credit builder service will find the AccountNow® Prepaid MasterCard®, to be a beneficial option. This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan). AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. iAdvance is an open end line of credit offered by MetaBank, a federally chartered savings association located in Sioux Falls, S.D. certain fees and eligibility requirements apply. Consult the iAdvance Terms and Conditions for further details. *Subject to ID verification. Cardholders must complete a separate application for iAdvance Line of Credit. Certain fees and eligibility requirements apply.

5. Public Savings Bank Classic Secured VISA Card

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Interest Rate:	11.24%*
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	up to $10,000
Annual Fee:	None

Special Offers: 0% APR on purchases for 6 months.

Our Opinion: The Public Savings Bank Classic Secured VISA Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month. Because the Public Savings Bank Classic Secured VISA Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder's credit limit. The minimum deposit for this card is $200, the maximum is $10,000. The interest rate for the Public Savings Bank Classic Secured VISA Card is reasonably low, and the Public Savings Bank Classic Secured VISA Card has no annual fee. The application fee is $79. Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Classic Secured VISA Card has to offer.

6. American DreamCard™ Platinum MasterCard®

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Interest Rate:	14.99% or 21.99% V*
Intro Rate:	N/A
Grace Period:	20 Days (Min.)
Credit Limit:	n/app
Annual Fee:	None

Our Opinion: Created for those with no/new credit or fair credit who want participate in the monthly cash sweepstakes of up to $25000. Receive 1 entry per $1 spent on purchases (up to 1,000 entries per transaction). Also receive 1 entry per $1 for balance transfers or cash advances. Receive 1,000 entries for applying for the card. The intro APR is smaller than average and there are no additional benefits with this card.

7. Platinum Zero™ Secured Visa® Credit Card from Applied Bank®

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Interest Rate:	0%*
Intro Rate:	No Introductory Rate Available
Grace Period:	None
Credit Limit:	n/app
Annual Fee:	None

Our Opinion: The Platinum Zero™ Secured Visa® Credit Card from Applied Bank® is a secured card. This card is designed for those with limited or poor credit history. The major benefit of this card is that there is a 0% APR on purchases. Also, unlike most secured credit cards, this card provides additional services and benefits, including online account access and various fraud protection services. A downside is that this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do. Those who do not mind accumulating finance charges once a transaction is posted will benefit most from the very low rate that the Platinum Zero™ Secured Visa® Credit Card from Applied Bank® has to offer.

8. 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.