Build Credit CARDS

Building credit is easier said than done, especially since many credit card issuers don’t want to do 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.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 19.49% -25.49% Variable

Annual Fee $0 - $99

Credit Recommended Fair/Bad

Card BrandVisa

Highlights

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.

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Fair/Bad
Cash Advance APR 25.49% Variable
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Cash Grace Period 0 or 24 Days (see terms)
Late Payment Fee Up to $39 (terms apply)
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee n/a

Surge Mastercard® Credit Card

See if you’re Pre-Qualified without impacting your credit score

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Regular Purchase APR See Terms*

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Card BrandMasterCard®

Highlights

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!

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • 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

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
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
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR See Terms*

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Card BrandVisa

Highlights

The TOTAL Card is available to people with fair, poor, or limited credit! Complete the fast and easy online application and get a response in seconds.

Choose from 6 different FREE card designs!

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Net First Platinum

Instant Approval / $500 Credit Line!

Intro Purchase APR 0.00%

Intro Balance Transfer APR N/A

Regular Purchase APR 0.00%

Annual Fee See website for Details*

Credit Recommended Fair to Damaged

Card BrandOther

Highlights

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

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 $500 credit line could be available to you faster than you ever thought possible.

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

*See Terms & Conditions for Details

Additional Info

Credit Line : $500 Limit
Regular APR : 0% APR
Monthly Fee : See website for Details*
Credit Recommended : Damaged credit to Fair credit

Specifications

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Fair to Damaged
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Regular Purchase APR See Terms*

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Card BrandMasterCard®

Highlights

  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
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
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Freedom Gold Card

$500 Unsecured Credit Limit

Intro Purchase APR 0.00%

Intro Balance Transfer APR n/a

Regular Purchase APR 0.00%

Annual Fee See website for Details*

Credit Recommended Bad/Limited/No Credit

Card BrandOther

Highlights

  • $500 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit – OK

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details

Specifications

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

See if you are Pre-Qualified in less than 60 seconds without harming your credit score.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 20.95% - 29.20% Variable

Annual Fee $0-$70

Credit Recommended See website for Details*

Card BrandVisa

Highlights

  • 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

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 20.95% - 29.20% Variable
Annual Fee $0-$70
Credit Recommended See website for Details*
Cash Advance APR 25.95% - 34.20% Variable
Cash Advance Fee $0
Cash Grace Period See Terms*
Late Payment Fee Up to $39
Return Check Fee See Terms*
Foreign Trans Fee See Terms*
Balance Transfer Fee See Terms*

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. 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. A few 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 card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. 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).