Build Credit Cards

Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Specifications

Highlights

• PREMIER Bankcard credit cards are for building credit.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• Credit Limit Increase Eligible after 12 months of consistent responsible account management.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.

Additional Info

Specifications

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

• The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
• Use your card anywhere Visa® is accepted in the US.
• A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
• Get help staying on track with Autopay and account alerts.
• Manage your account 24/7 online, by phone, or in our mobile app.

Additional Info

• Intro APR (Purchases): N/A
• Intro APR (Transfers): N/A
• Regular APR: 28.49% Variable
• Annual Fee: $25
• Recommended Credit Score: No Credit, New to Credit, Limited Credit, Bad, Poor
• Rewards: N/A
• Cash Advance APR: N/A
• Cash Advance Fee: N/A
• Cash Grade Period: N/A
• Late Payment Fee: $15
• Overlimit Fee: N/A
• Return Check Fee: $15
• Foreign Transaction Fee: N/A
• Balance Transfer Fee: N/A

¹ The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

² Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.

Specifications

Highlights

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

• Free Experian credit report and FICO® Score* included
• See estimated approval odds for select cards before you apply
• Check if you have pre-approved card offers

See your best matches based on you

• Simply sign in to see the credit cards that best match you
• Compare your best options and make your choice
• We apply your FICO® Score so you can apply with confidence

Additional Info

Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

^*Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more

Specifications

Highlights

• Pre-qualify with no impact to your credit score
• Helping people build credit is our first priority – start your credit-building journey today.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.
• Award-winning, U.S.-based customer service

Additional Info

Specifications

Highlights

• Get up to a +86 average* FICO® Score increase on autopilot
• Largest credit builder in the nation
• Build from $2,000 up to $30,000 of credit history starting at low monthly payments
• Great if you want to access premium CCs & higher credit limits
• No credit history needed; no hard check required
• No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

Additional Info

• Credit Check: No
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: Experian, TransUnion, Equifax
• Coverage: Excludes: WI, VT

Specifications

Highlights

• Pre-qualify with no impact to your credit score.
• Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• Our mobile app helps you keep track of your spending and payments for greater financial control.
• When you need assistance our award-winning US-based Customer Service agents are there to help.

Additional Info

Specifications

Highlights

• Credit for everyone – Regardless of your credit history!
• Get paid up to 2 days faster – Using Direct Deposit.
• Build credit not debt.
• Grow your savings – Earn up to a 4.00% Bonus on Savings Pods

View Product Disclosures

Additional Info

• Products Offered: Mobile Banking & Visa Credit Card
• Brand Name: Visa®
• Credit Check: No
• Regular APR: 0.00%

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Specifications

Highlights

• All credit types accepted.
• Arro’s soft credit pull does not impact your credit score.
• Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
• Opportunities to decrease your interest rate.
• Use your Arro Card anywhere Mastercard is accepted.
• Application takes as little as 5 minutes.

Additional Info

• Regular APR: 16% Variable
• Credit Recommended: All Credit Types Accepted
• Card Brand: Mastercard®
• Monthly Fee: $3/month; $1/month for the 1st year
• Late Payment Fee: $10
• Return Payment Fee: None

Specifications

Highlights

• Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
• PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
• Credit limit increase eligible after 12 months of consistent responsible account management.
• We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
• Award-winning, U.S.-based customer service

Additional Info

Specifications

Highlights

Pay in 4 and Build Credit¹

Welcome to Sezzle, The Responsible Way to Pay. Start splitting your purchases into 4 installments over 6 weeks today.²

Flexible Financing

Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.²

No Hard Credit Check³

Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!

Sezzle It In-Store with the Virtual Card⁴

Download the Sezzle app, activate the Virtual Card, and start paying later in-store.

Financially Empowering the Next Generation

Financial freedom is a right, not a privilege. We’re here to help you achieve financial freedom and take control over your finances so you can build your future.

Additional Info

¹Sezzle offers an optional program called Sezzle Up that users may join to enable their repayment information on Sezzle transactions reported to credit reporting agencies. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. All payments, including late payments, are required to be reported, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations. The program and related services will not remove negative credit history from your credit report. Your payment activity will be reported to Experian®, Equifax® and TransUnion® in the United States and to Equifax® only in Canada. Please refer to our Terms of Use for additional details.

²Pay in 4 payment option is 0% Annual Percentage Rate (APR). 25% down payment then three payments of 25% every two weeks for 6 weeks. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. Other payment options are subject to credit approval by third party lenders. Rates from 5.99% – 34.99% APR; terms from 3 months – 48 months, which may vary by lender. 0% APR options may be available. APRs will vary depending on credit qualifications, loan amount, term, and lender. Minimum purchase is required.

³Sezzle may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact a customer’s credit score.

⁴The Sezzle Card is issued to Sezzle by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc., See User Agreement for details. Sezzle provides financing in the form of installment loans. Sezzle is not a bank.

Specifications

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications

Highlights

• No Employment or Credit Check
• Bad Credit, No Credit? No Problem!
• Fast and Easy Application

Additional Info

• Credit Limit : $750 Limit (Usable only at TheHorizonOutlet.com)
• Regular APR : 0% APR
• Monthly Fee : See website for Details*
• Credit Recommended : Damaged/Fair

Specifications

Highlights

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

• $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
• Instant Approval*
• No Credit Check
• No Employment Check
• Fast online application
• Bad Credit – OK

*See site for details

Additional Info

• Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee: See website for Details*
• Regular APR: 0% APR
• Credit Recommended: Damage credit to Fair credit

Specifications

Highlights

Upside gets you cash back on daily essentials like gas, groceries, and dining. It’s designed to reward you for simply being yourself, allowing you to indulge in more of what you love. With over 50,000 participating gas stations, grocery stores, and restaurants, cash back opportunities are always just around the corner.

• Earn rewards every time you shop for gas, groceries, or food with Upside’s highly-rated free app.
• Claim a cashback offer at a nearby location.
• Make your purchase using a credit or debit card.
• Cash out your earnings directly to your bank account, PayPal, or a gift card.

Additional Info

Users earn an average of 8% cash back on groceries and dining—that’s on TOP of your current credit card rewards – even on debit card purchases!

And yes — it’s real cash back. No confusing rewards, points, or credits. Just actual money you can transfer straight to your bank account or PayPal. You can also cash out your earnings as an e-gift card to retailers you love, like Amazon, Walmart, and so many more.

With Upside, you can earn up to 25¢/gal cash back on gas, up to 45% back at restaurants, and up to 30% back at grocery stores. These earnings add up quickly — frequent users earn an average of $340 per year just for adding Upside to their normal routine.

Specifications

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications