Featured Cards Applying for a credit card can be bit tough these days, especially when your credit score has taken a few dings and you’re looking to get it back on track. This is where DeluxCards comes in. We reviewed hundreds of cards for their consumer value proposition and some are indeed better than others. These cards below have been carefully selected for their willingness to work with imperfect credit scores while, providing top rated features and benefits. Take a quick peek and apply for the card that works best for you.
Start building credit by keeping your balance low and paying all your bills on time each month
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Regular Purchase APR See Provider Website
Rewards n/a
Full Details Card Page
| Regular APR | See Provider Website |
|---|---|
| Annual Fee | See Provider Website |
| Credit Recommended | Fair/Poor |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Provider Website |
| Cash Advance Fee | See Provider Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Provider Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Provider Website |
| Foreign Transaction Fee | See Provider Website |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
Higher limit than before, still no security deposit required!
Card BrandMasterCard
Credit Recommended Bad/Poor/Fair
Annual Fee See Terms
Regular Purchase APR 35.9%
Rewards n/a
Full Details Card Page
| Regular APR | 35.9% |
|---|---|
| Annual Fee | See Terms |
| Credit Recommended | Bad/Poor/Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | See Website for Details |
| Overlimit Fee | See Website for Details |
| Return Check Fee | See Website for Details |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
Up to $1,000 credit limit subject to credit approval
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $85-$175 first year, $229 thereafter
Regular Purchase APR 36% Fixed
Rewards Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Full Details Card Page
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
| Regular APR | 36% Fixed |
|---|---|
| Annual Fee | $85-$175 first year, $229 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
| Balance Transfer Fee | 3% of the amount of each transfer |
| Rewards Rate | Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases |
Pre-qualify with no impact to your credit score
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Regular Purchase APR See Provider Website
Rewards n/a
Full Details Card Page
| Regular APR | See Provider Website |
|---|---|
| Annual Fee | See Provider Website |
| Credit Recommended | Fair/Poor |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Provider Website |
| Cash Advance Fee | See Provider Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Provider Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Provider Website |
| Foreign Transaction Fee | See Provider Website |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
Up to $1,000 Credit Limit
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $85-$175 first year, $229 thereafter
Regular Purchase APR 36% Fixed
Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details Card Page
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
| Regular APR | 36% Fixed |
|---|---|
| Annual Fee | $85-$175 first year, $229 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
| Balance Transfer Fee | 3% of the amount of each transfer |
| Rewards Rate | Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases. |
Pre-qualify with no impact to your credit score
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Regular Purchase APR See Provider Website
Rewards n/a
Full Details Card Page
| Regular APR | See Provider Website |
|---|---|
| Annual Fee | See Provider Website |
| Credit Recommended | Fair/Poor |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Provider Website |
| Cash Advance Fee | See Provider Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Provider Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Provider Website |
| Foreign Transaction Fee | See Provider Website |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
0% APR and No Hidden Fees
Card BrandMasterCard
Credit Recommended Any Credit Welcome
Annual Fee $0.00
Regular Purchase APR 0.00%
Rewards n/a
Full Details Card Page
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Sign up for Kikoff Credit Service.
Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate.
Make your first payment.
Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus. This account stays open as long as your Kikoff account is active.
Open your Credit Builder Loan.
After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.
| Regular APR | 0.00% |
|---|---|
| Annual Fee | $0.00 |
| Credit Recommended | Any Credit Welcome |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Terms |
| Cash Advance Fee | See Terms |
| Cash Grace Period | See Terms |
| Late Payment Fee | See Terms |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | See Terms |
| Balance Transfer Fee | See Terms |
| Rewards Rate | n/a |
Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority
Card BrandMasterCard
Credit Recommended Fair/Poor
Annual Fee See Provider Website
Regular Purchase APR See Provider Website
Rewards n/a
Full Details Card Page
| Regular APR | See Provider Website |
|---|---|
| Annual Fee | See Provider Website |
| Credit Recommended | Fair/Poor |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Provider Website |
| Cash Advance Fee | See Provider Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Provider Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Provider Website |
| Foreign Transaction Fee | See Provider Website |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
Get the credit limit you deserve—$1,000 guaranteed if approved
Card BrandMasterCard
Credit Recommended Fair
Annual Fee See Terms
Regular Purchase APR 35.90%
Rewards n/a
Full Details Card Page
| Regular APR | 35.90% |
|---|---|
| Annual Fee | See Terms |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | 35.90% |
| Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
| Cash Grace Period | n/a |
| Late Payment Fee | Up To $41 |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
$750.00 Line of Credit*
Card BrandOther
Credit Recommended Damaged credit to Fair credit
Annual Fee See website for Details*
Regular Purchase APR 0.00%
Rewards N/A
Full Details Card Page
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.
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.
| Regular APR | 0.00% |
|---|---|
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged credit to Fair credit |
| Intro (Purchases) | 0.00% |
| Intro (Transfers) | n/a |
| 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 |
| Rewards Rate | N/A |
Bad Credit, No Credit? No Problem!
Card BrandOther
Credit Recommended Damaged/Fair
Annual Fee See website for Details*
Regular Purchase APR 0.00%
Rewards n/a
Full Details Card Page
| Regular APR | 0.00% |
|---|---|
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged/Fair |
| Intro (Purchases) | 0.00% |
| Intro (Transfers) | n/a |
| 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 |
| Rewards Rate | 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).
