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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.

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Provider Website

Credit Recommended Fair/Poor

Regular Purchase APR See Provider Website

Full Details Card Page

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

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Provider Website
Annual Fee See Provider Website
Credit Recommended Fair/Poor
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

PREMIER Bankcard® Grey Credit Card

Just complete the short application and receive a response in 60 seconds.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Provider Website

Credit Recommended Fair/Poor

Regular Purchase APR See Provider Website

Full Details Card Page

Highlights

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Provider Website
Annual Fee See Provider Website
Credit Recommended Fair/Poor
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

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Regular Purchase APR See Terms*

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (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
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
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!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

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 Transaction Fee n/a
Balance Transfer Fee n/a

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee As low as $85

Credit Recommended Fair

Regular Purchase APR 29.99% or 36% Fixed

Full Details Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry (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.

Additional Info

  • Credit Line: Up to $1,000 credit limit subject to credit approval
  • Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Regular APR: 29.99% or 36% Fixed
  • Annual Fee: As low as $85
  • Credit Recommended: Fair
  • Card Brand: Mastercard®
  • Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Balance Transfer Fee: 3% of the amount of each transfer

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99% or 36% Fixed
Annual Fee As low as $85
Credit Recommended Fair
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

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee As low as $85

Credit Recommended Fair

Regular Purchase APR 29.99% or 36% Fixed

Full Details Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†

*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.

Additional Info

  • Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Credit Line: Up to $1,000 credit limit subject to credit approval
  • Regular APR: 29.99% or 36% Fixed
  • Annual Fee: As low as $85
  • Credit Recommended: Fair
  • Card Brand: Mastercard®
  • Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Balance Transfer Fee: 3% of the amount of each transfer

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99% or 36% Fixed
Annual Fee As low as $85
Credit Recommended Fair
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

Reflex® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (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 Experian* (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
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

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 Transaction Fee n/a
Balance Transfer Fee n/a

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Bad/Poor/Fair

Regular Purchase APR 35.9%

Full Details Card Page

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Additional Info

  • Regular APR: 35.9%
  • Annual Fee: See Terms
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars
  • Card Brand: Mastercard®
  • Credit Recommended: Bad/Poor/Fair
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.9%
Annual Fee See Terms
Credit Recommended Bad/Poor/Fair
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

Net First Platinum

$750.00 Line of Credit*

Intro Purchase APR 0.00%

Intro Balance Transfer APR N/A

Annual Fee See website for Details*

Credit Recommended Damaged credit to Fair credit

Regular Purchase APR 0.00%

Full Details Card Page

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

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Damaged credit to Fair 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

Group One Platinum Card

Bad Credit, No Credit? No Problem!

Intro Purchase APR 0.00%

Intro Balance Transfer APR n/a

Annual Fee See website for Details*

Credit Recommended Damaged/Fair

Regular Purchase APR 0.00%

Full Details Card Page

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

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Damaged/Fair
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

Avant Credit Card

Fast and easy application process

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $59

Credit Recommended Fair to Good

Regular Purchase APR 35.99% Variable

Full Details Card Page

Highlights

  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard® ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
  • See the Provider’s terms for more information

Additional Info

  • Balance Transfers Intro APR: N/A
  • Purchases Intro APR: N/A
  • Regular APR: 35.99% Variable
  • Annual Fee: $59
  • Ongoing Cash Advance APR: 35.99%

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.99% Variable
Annual Fee $59
Credit Recommended Fair to Good
Cash Advance APR 35.99%
Cash Advance Fee 3%, Min: $10
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

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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).