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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.

Reflex Mastercard®

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

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • Initial Credit Limit of $300 – $750* (subject to available credit)
  • 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
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Surge Mastercard® Credit Card

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

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad

Regular Purchase APR See Terms*

Annual Fee See Terms*

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!

  • Initial Credit Limit of $300 – $750* (subject to available 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
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Jasper Mastercard®

Up to a $5k credit limit

Card BrandMasterCard®

Credit Recommended Excellent, Good, Limited

Regular Purchase APR 15.49% (variable)

Annual Fee $0*

Highlights

  • Up to a $5k credit limit
  • All the benefits of a premium Mastercard®
  • High credit limits, low interest rates
  • No annual fee*, no security deposit
  • No credit history required to apply if you don’t already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
  • An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
  • Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
  • Issued by WebBank, Member FDIC
  • *Review the Jasper fee schedule: Jasper Mastercard®

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 15.49% (variable)
Annual Fee $0*
Credit Recommended Excellent, Good, Limited
Cash Advance APR 24.99% (variable)
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $27.00
Overlimit Fee n/a
Return Check Fee Up to $27.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Card BrandVisa

Credit Recommended Poor Credit, Bad Credit

Regular Purchase APR *See Terms

Annual Fee *See Terms

Highlights

  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

Specifications

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

Net First Platinum

Instant Approval / $500 Credit Line!

Card BrandOther

Credit Recommended Fair to Damaged

Regular Purchase APR 0.00%

Annual Fee See website for Details*

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
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Card BrandVisa

Credit Recommended Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • 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
  • $300 credit limit (subject to 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 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 Trans Fee n/a
Balance Transfer Fee n/a

Freedom Gold Card

$500 Unsecured Credit Limit

Card BrandOther

Credit Recommended Bad/Limited/No Credit

Regular Purchase APR 0.00%

Annual Fee See website for Details*

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
Overlimit Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

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).

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