How to Negotiate with Your Credit Card Company

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Building credit is easier said than done, especially since many credit card issuers don’t want to offer cards to consumers who do not have credit. However, there are card issuers that can help. There are a variety of credit card programs designed to help you build your credit and increase your credit score. Not only are these issued by some of the top rated credit providers, but they come equipped with competitive APRs, no or low annual fees, and plenty of benefits to make your life easier.
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 25.90% - 29.99% APR |
Annual Fee | See Terms* |
Credit Recommended | Good/Fair/Bad Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Fast and easy application; response provided in seconds
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $75 1st year, $48 after*
Credit Recommended See website for Details
Regular Purchase APR 34.99%*
Full Details Card Page
Intro (Purchases) | See website for Details |
---|---|
Intro (Transfers) | See website for Details |
Regular APR | 34.99%* |
Annual Fee | $75 1st year, $48 after* |
Credit Recommended | See website for Details |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | See website for Details |
Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0-$72
Credit Recommended See website for Details*
Regular Purchase APR 19.70% to 29.95% *Variable
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 19.70% to 29.95% *Variable |
Annual Fee | $0-$72 |
Credit Recommended | See website for Details* |
Cash Advance APR | 24.95% to 34.95% Variable |
Cash Advance Fee | 4%, Min: $10 |
Cash Grace Period | n/a |
Late Payment Fee | Up to $40 |
Overlimit Fee | n/a |
Return Check Fee | Up to $40 |
Foreign Transaction Fee | See Terms* |
Balance Transfer Fee | n/a |
$300 - $5,000 credit limits
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Regular Purchase APR 20.24 - 29.74% Variable
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 20.24 - 29.74% Variable |
Annual Fee | 0.00 |
Credit Recommended | Fair/Bad/Limited/No Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | Late fees up to $29 for first late payment, $40 for second late payment. |
Overlimit Fee | n/a |
Return Check Fee | Bounced payment fee up to $29. |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Get Pre-Qualified in Less Than a Minute
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See website for Details*
Credit Recommended Poor/Damaged Credit
Regular Purchase APR 29.99%
Full Details Card Page
Regular APR: 29.99%
Late Payment Fee: Up to $38
Return Check Fee: Up to $38
Card Brand: Visa®
Credit Recommended: Poor/Damaged Credit
Annual Fee: See website for Details*
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 29.99% |
Annual Fee | See website for Details* |
Credit Recommended | Poor/Damaged Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | Up to $38 |
Overlimit Fee | n/a |
Return Check Fee | Up to $38 |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Instant decision on your application
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0-59
Credit Recommended Fair
Regular Purchase APR 26.99% - 29.99% (Variable)
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 26.99% - 29.99% (Variable) |
Annual Fee | $0-59 |
Credit Recommended | Fair |
Cash Advance APR | 29.99% (Variable) |
Cash Advance Fee | The greater of $10 or 3% of each cash advance. |
Cash Grace Period | n/a |
Late Payment Fee | Up to $35 |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | If the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction. |
Balance Transfer Fee | n/a |
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 24.99% - 29.99% APR |
Annual Fee | See Terms* |
Credit Recommended | Good/Fair/Bad |
Cash Advance APR | See Terms* |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Just complete the short application and find out in 60 seconds if you’re approved.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.
PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | See Issuer Website |
Annual Fee | See Issuer Website |
Credit Recommended | Fair/Poor |
Cash Advance APR | See Issuer Website |
Cash Advance Fee | See Issuer Website |
Cash Grace Period | n/a |
Late Payment Fee | See Issuer Website |
Overlimit Fee | n/a |
Return Check Fee | See Issuer Website |
Foreign Transaction Fee | See Issuer Website |
Balance Transfer Fee | n/a |
Start building your credit today!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Poor to Excellent
Regular Purchase APR 0.00%
Full Details Card Page
Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.
Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 0.00% |
Annual Fee | 0.00 |
Credit Recommended | Poor to Excellent |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Fast and easy application process; response provided in seconds
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | See Terms* |
Annual Fee | See Terms* |
Credit Recommended | Fair/Bad Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Get your FICO® Credit Score for free each month
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Annual Fee $36 for first year. Billed $3 per month thereafter
Credit Recommended See website for Details*
Regular Purchase APR 17.70% Variable
Full Details Card Page
Intro (Purchases) | N/A |
---|---|
Intro (Transfers) | N/A |
Regular APR | 17.70% Variable |
Annual Fee | $36 for first year. Billed $3 per month thereafter |
Credit Recommended | See website for Details* |
Cash Advance APR | 22.70% Variable |
Cash Advance Fee | 4% Min: $10 |
Cash Grace Period | N/A |
Late Payment Fee | Up to $40 |
Overlimit Fee | N/A |
Return Check Fee | Up to $40 |
Foreign Transaction Fee | 2% |
Balance Transfer Fee | N/A |
Just complete the short application and find out in 60 seconds if you’re approved.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.
PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | See Issuer Website |
Annual Fee | See Issuer Website |
Credit Recommended | Fair/Poor |
Cash Advance APR | See Issuer Website |
Cash Advance Fee | See Issuer Website |
Cash Grace Period | n/a |
Late Payment Fee | See Issuer Website |
Overlimit Fee | n/a |
Return Check Fee | See Issuer Website |
Foreign Transaction Fee | See Issuer Website |
Balance Transfer Fee | n/a |
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).