Credit Cards for Fair Credit

• Build up your credit with a card that reports to all three major credit bureaus every month.
• You may be eligible for a Credit Line Increase after six months
• Perfect credit not required for approval; we may approve you when others won’t
• Checking account required.
• If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit)
• Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online

Reviewing The First Digital NextGen Mastercard Credit Card

Many consumers have had a difficult time building credit and want to take steps to enhance improve credit profile. Using a credit card in a responsible manner could assist them in reaching this goal. You don’t need good credit to be approved for the First Digital NextGen Mastercard Credit Card but you will need a checking account to be considered. The card is issued by the Synovus Bank.

Main Benefits Of The First Digital NextGen Mastercard Credit Card

If you make your payments on time and stay within your established credit limits, using a card like the First Digital NextGen Mastercard Credit Card may help you build your credit profile. Since the card reports your account activity to the three major credit bureaus each month, your timely payments will be noted by these agencies.

The First Digital NextGen Mastercard Credit Card has an initial credit limit of $300. Higher credit limits may be granted after six months of being a cardholder.

The card has a very easy-to-navigate application process, so applicants may find out relatively quickly whether they were approved.

Main Drawbacks Of The First Digital NextGen Mastercard Credit Card

The First Digital NextGen Mastercard Credit Card has a number of fees that consumers will be charged. The annual fee during the first year is assessed before you start using your card, thus lessening your credit limit during the first month. The annual fee does drop slightly in subsequent years; however, a fairly steep monthly fee is assessed in year two and beyond. There is also a one-time program fee. Whenever your account is approved for a credit limit increase, a credit limit increase fee is imposed. So if you are granted a credit limit increase, your initial increase would be the full amount minus the fee.

The APR on the First Digital NextGen Mastercard Credit Card is one of the highest on the market.

Who The First Digital NextGen Mastercard Credit Card Is Right For?

If you have struggled with your establishing a solid credit history, you need some tools to help build your credit score. Being approved for a credit card that reports to the three major credit bureaus can be beneficial, as long as you make your payments on time every month and stay within your credit limit. The First Digital NextGen Mastercard Credit Card can help consumers, but consumers need to be informed of the very high rates and fees associated with this card.

• Earn unlimited 1.5% cash back on every purchase, every day
• Earn cash rewards without signing up for rotating categories
• Get access to a higher credit line after making your first 5 monthly payments on time
• Monitor your credit profile with the CreditWise® app, free for everyone
• $0 fraud liability if your card is ever lost or stolen
• No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
• Help strengthen your credit for the future with responsible card use
• Get customized alerts and manage your account with the Capital One mobile app

• Easy pre-qualification process with fast response
• Don’t have perfect credit? No problem!
• 24/7 access to your account, even on mobile!
• No security deposit
• Account history is reported to the three major credit bureaus in the U.S.

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $500.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

Reviewing The Surge Mastercard

Many consumers have poor credit and are actively trying to improve their credit profile. The responsible use of a credit card may help them achieve this goal. The Surge Mastercard was created for people who have less than perfect credit. The card is issued by the Celtic Bank.

Main Benefits Of The Surge Mastercard

If you’re trying to build or re-establish your credit, getting a card like the Surge Mastercard may help, provided you make your payments on time and your balance stays under the designated credit limit.

The Surge Mastercard reports to all three major credit bureaus on a monthly basis, so any positive steps taken to build your credit will be noted by these agencies.

The card has one of the higher initial credit limits of cards designed for people who have struggled with their credit. It can be as high as $500. And that credit limit may be increased after a year of on-time payments. However, the initial credit limit will be a function of your credit worthiness. Celtic Bank may require a security deposit of anywhere from $50 to $500.

The Surge Mastercard has a relatively easy application process, and applicants may hear whether they were approved fairly quickly.

Main Drawbacks Of The Surge Mastercard

This card has a substantial annual fee for the first year and this annual fee is assessed before you start using your card, thus lessening your credit limit during the first month. The annual fee does drop slightly in subsequent years; however, a fairly steep monthly fee is assessed in year two and beyond.

The APR on the Surge Mastercard is among the highest on the market.

If a security deposit is required due to your credit worthiness, this will make the Surge Mastercard a secured card.

Who The Surge Mastercard Is Right For

Consumers trying to build or re-establish their credit need tools to help them. A credit card that reports to the three major credit bureaus can be beneficial, but it is critical to make payments on time and stay within the designated credit limit. The Surge Mastercard can help consumers, but cardholders must be aware of the extremely high rates and fees associated with the card.

Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

• Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
• Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
• Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
• Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
• Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.

• Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
• CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
• Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
• Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
• Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
• Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $500.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

Reviewing The Reflex Mastercard

The Reflex Mastercard is a credit card for people with less than perfect credit. Many people have had a difficult financial time at some point and may need to build or re-establish their credit. The Reflex Mastercard is a viable option, especially if you don’t have the money to put down as a deposit for a secured credit card. But you will need a checking account in order to be considered. The card is issued by Celtic Bank.

Main Benefits Of The Reflex Mastercard

The Reflex Mastercard is an unsecured card, so you do not have to put down an initial security deposit. The card has an easy-to-navigate application process, so you will find out the results of your application fairly quickly. If you are approved, you will receive an initial credit limit of $500 and that can increase to $2,000 after one year of responsible use. But you should note that the annual fee for the first year will be charged to your account and lower your credit limit for the first month.

If you are declined for an application to the unsecured card, you may be be offered a secured card. In this case, you will have to put down a security deposit of either $50, $100, $150 or $500. This deposit will be refundable when you close your account and pay off your complete balance.

The Reflex Mastercard reports to all three major credit bureaus on a monthly basis so you have an opportunity to build your credit with proper use of the card. The card will have almost universal acceptance in the United States since it is part of the Mastercard network.

Main Drawbacks Of The Reflex Mastercard

Cards for people with less than ideal credit come with a number of fees and this card is no exception.

The card’s annual fee for the first year is quite steep. This will be billed immediately so your credit limit for the first month will be lowered by the amount of the annual fee. This annual fee decreases slightly in year two and in subsequent years, but consumers are assessed an additional monthly maintenance fee which is charged to your account.

The APR on the card is also one of the highest in the credit card industry.

Who The Reflex Mastercard Is Right For

The Reflex Mastercard could be an option for consumers who are trying to rebuild or establish their credit and who don’t want to put down a security deposit for a secured card. But you will need to have a checking account in order to be approved. The initial credit limit of $500 gives consumers some freedom. With prudent use, the card could be a tool to improve your credit profile since it reports to all three major credit bureaus. But the card has a high APR as well as a substantial annual fee in year one and both an annual fee and monthly maintenance fee beginning in the second year. So consumers need to weigh these costs versus the card’s benefits.

• See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
• Credit Line Range $550 – $1,250, Doubling to $1,100 – $2,500.
• Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
• Get your updated FICO® Score each month.
• $0 Fraud Liability protects you from unauthorized charges.
• Online and mobile Account Access.
• No Penalty Rates or Over Limit Fee

• Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
• No annual fee
• Build and strengthen credit for your business by using this credit card responsibly
• $0 Fraud Liability if your card is lost or stolen
• Free employee cards, which also earn unlimited 1% cash back on all purchases
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

• See if you Pre-Qualify without harming your credit score
• Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
• No need to fret—you’re covered by $0 Fraud Liability
• Accounts are automatically reviewed for credit line increase opportunities
• Choose your monthly payment due date for added convenience, terms apply
• Monitor your credit with free online access to your Experian credit score, terms apply
• Looking to rebuild credit? We report to the major credit bureaus monthly
• Never miss an account update with customizable text and email alerts

• Instant pre-qualification is available for those who qualify
• Less than perfect credit is okay
• Access your account online or from your mobile device 24/7
• Choice of card image at no extra charge
• Account history is reported to the three major credit bureaus in the U.S.

*Dependent on credit worthiness

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Enjoy no annual fee and no foreign transaction fees
• Get a head start and build your credit with responsible use
• Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
• Pick the monthly due date that works best for you
• Get access to a higher credit line after making your first 5 monthly payments on time
• $0 fraud liability if your card is ever lost or stolen
• Monitor your credit profile with the CreditWise® app, free for everyone

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $400.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

Reviewing The Fit Mastercard

The Fit Mastercard is designed for people who have less than perfect credit. If you are trying to build or re-establish your credit, getting a card like the Fit Mastercard may help, provided you make your payments on time and your balance stays under the designated credit limit. The card is issued by the Bank of Missouri.

Main Benefits Of The Fit Mastercard

The card reports to all three major credit bureaus so the positive steps you take in building your credit will be noted by these agencies.

The Fit Mastercard is an unsecured card, so it does not require a security deposit upon approval. It has a very easy application process, and applicants will hear whether they were approved for the card in a matter of seconds.

The Fit Mastercard has an initial credit limit of up to $400, and can be used anywhere Mastercard is accepted, which makes using the card extremely convenient.

Main Drawbacks Of The Fit Mastercard

This card has some significant fees which the consumer needs to consider.

Once you are approved for the card, you must pay a fairly high processing fee. This is a one-time charge. In addition, there is an annual fee which is assessed before you use your card, so it reduces your initial $400 credit line.

A monthly maintenance fee is added at the beginning of your second year as a cardholder.

The APR on the card is also one of the highest in the credit card industry.

Who The Fit Mastercard Is Right For

Consumers who are trying to build or re-establish their credit need tools to help them in this endeavor. Having a credit card that reports to the three major credit bureaus can help, but it is imperative to make all your monthly payments on time and stay within your designated credit limit. The Fit Mastercard can help consumers, but cardholders must be aware of the high rates and fees are associated with the card.

• Pre-qualifying today will not affect your credit score
• Less than perfect credit histories can qualify, even with prior bankruptcy!
• Mobile friendly online access from anywhere
• Fraud protection for stolen or lost cards
• Account history is reported to the three major credit bureaus in the U.S.

• No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
• Up to 1.5% cash back after making 12 on-time monthly payments
• Variable APRs 14.49% – 25.49%
• 1% cash back on eligible purchases right away
• Up to 10% cash back from select merchants
• Build credit alongside tens of thousands of Petal Card members
• Cash flow technology may help applicants without credit history get approved
• $500 – $10,000 credit limits
• Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
• See if you’re pre-approved within minutes without impacting your credit score
• Petal reports to all 3 major credit bureaus
• No deposits required
• Card issued by WebBank, Member FDIC