How to Negotiate with Your Credit Card Company

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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.
$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 24.74 - 34.24% Variable
Full Details Card Page
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 24.74 - 34.24% 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 |
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 |
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
*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
*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
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 |
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
*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.
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 |
$300 credit limit (subject to available credit)
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 |
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
* 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.
* 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.
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 |
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
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!
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!
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.
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.
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!
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!
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.
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.
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 |
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
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 |
$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
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.
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 |
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 29.74% Variable
Full Details Card Page
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 29.74% Variable |
Annual Fee | $59 |
Credit Recommended | Fair to Good |
Cash Advance APR | 29.74% |
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 |
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 Provider Website
Credit Recommended Fair/Poor
Regular Purchase APR See Provider 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 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 |
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).