Limited Credit CREDIT CARDS

Applied Bank® Unsecured Classic Visa® Card
Fast and Easy Application and Approval Process!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee *See Terms

Credit Recommended Poor Credit, Bad Credit

Regular Purchase APR *See Terms

Full Details Card Page

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.

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.

Additional Info

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	*See Terms
Foreign Trans Fee	*See Terms
Balance Transfer Fee	n/a

Zebit – Buy Now & Pay Over Time
Get up $2,500 of credit. No FICO score needed!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Poor to Good

Regular Purchase APR See website for Details*

Full Details Card Page

Highlights

Get up $2,500 of credit to shop Zebit.
No membership fees. No FICO score pulled. Easy and secure online application.
Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more.
Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more.

Highlights

Get up $2,500 of credit to shop Zebit.
No membership fees. No FICO score pulled. Easy and secure online application.
Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more.
Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more.

Additional Info

Regular APR: See website for Details*
Credit Line: Up to $2,500
Monthly Fee: $0
Credit Recommended: Poor to Good

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	See website for Details*
Annual Fee	0.00
Credit Recommended	Poor to Good
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

Petal® 1 “No Annual Fee” Visa® Credit Card
$500 - $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 19.99 - 29.49% Variable

Full Details Card Page

Highlights

$0 Annual Fee
2% – 10% cash back from select merchants
$500 – $5,000 credit limits
Variable APRs 19.99 – 29.49% APR
No annual or international transaction fees. Late and returned payment fees may apply
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
Petal’s technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
See if you’re pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC

Highlights

$0 Annual Fee
2% – 10% cash back from select merchants
$500 – $5,000 credit limits
Variable APRs 19.99 – 29.49% APR
No annual or international transaction fees. Late and returned payment fees may apply
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
Petal’s technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
See if you’re pre-approved within minutes without impacting your credit score
Petal reports to all 3 major credit bureaus
No deposits required
Card issued by WebBank, Member FDIC

Additional Info

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	19.99 - 29.49% 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	n/a
Foreign Trans Fee	n/a
Balance Transfer Fee	n/a

Net First Platinum
Instant Approval / $750 Credit Line!

Intro Purchase APR 0.00%

Intro Balance Transfer APR N/A

Annual Fee See website for Details*

Credit Recommended Fair to Damaged

Regular Purchase APR 0.00%

Full Details Card Page

Highlights

Instant Approval / $750 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 $750 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

Highlights

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

*See Terms & Conditions for Details

Additional Info

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

First Digital Mastercard®
Get a result in as little as 60 seconds upon completion of the online application.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $75.00 for first year. After that, $48.00 annually.

Credit Recommended Bad/Poor/Limited

Regular Purchase APR 35.99%

Full Details Card Page

Highlights

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
You may be eligible for a Credit Line Increase after 12 months.
Easy and secure online application – It takes just moments to apply.
Checking account required.
If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
Receive your card more quickly with optional Expedited Processing (additional fee applies).
Get a result in as little as 60 seconds upon completion of the online application.
Online Customer Center available 24 x 7.
Issued by Synovus Bank, Member: FDIC

Highlights

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
You may be eligible for a Credit Line Increase after 12 months.
Easy and secure online application – It takes just moments to apply.
Checking account required.
If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
Receive your card more quickly with optional Expedited Processing (additional fee applies).
Get a result in as little as 60 seconds upon completion of the online application.
Online Customer Center available 24 x 7.
Issued by Synovus Bank, Member: FDIC

Additional Info

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	35.99%
Annual Fee	$75.00 for first year. After that, $48.00 annually.
Credit Recommended	Bad/Poor/Limited
Cash Advance APR	See website for Details*
Cash Advance Fee	Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Cash Grace Period	See website for Details*
Late Payment Fee	$40.00
Overlimit Fee	n/a
Return Check Fee	$40.00
Foreign Trans Fee	See website for Details*
Balance Transfer Fee	See website for Details*

Total Visa® Card

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

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

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

Additional Info

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

Chime® Debit Card
Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

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 0.00%

Full Details Card Page

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

A Chime Visa® debit card
A Spending Account
Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across spending and saving that align with our members’ interests. They use us because of features like:

Fee-free overdraft through SpotMe*: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200* on debit card purchases without charging a fee.
No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
Get your paycheck earlyˆ: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

“Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC”

Highlights

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:

A Chime Visa® debit card
A Spending Account
Access to our award-winning mobile app to keep you in control of your money

We provide simple, lowest-cost services across spending and saving that align with our members’ interests. They use us because of features like:

Fee-free overdraft through SpotMe*: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200* on debit card purchases without charging a fee.
No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
Get your paycheck earlyˆ: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!

“Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC”

Additional Info

No hidden fees˜: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
Grow your savings automatically with our Savings Account
Manage everything from your phone
Send money with Pay Friends to other Chime members
Turn on real-time transaction notifications to get push notifications after every purchase and daily balance alerts every morning
Turn your card on/off instantly in-app
Move money between your other bank accounts
Over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance
Apple Pay™ / Google Pay™ for when you forget your wallet
Information security is a top priority
EMV chip card security
Friendly and responsive customer support

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	0.00%
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	n/a
Overlimit Fee	n/a
Return Check Fee	n/a
Foreign Trans Fee	n/a
Balance Transfer Fee	n/a

Principal Platinum Card
Instant Approval / $750 Credit Line!

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

Instant Approval / $750 Credit Line!
No Employment or Credit Check
Reports to Major Bureau
Bad Credit, No Credit – OK
Always 0.0% APR
Fast Online Applications

Highlights

Additional Info

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 Trans Fee	n/a
Balance Transfer Fee	n/a

First Access Visa® Card

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

Highlights

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
$300 credit limit (subject to available credit)
Receive your card more quickly with optional Expedited Processing (additional fee applies)
Get a result in as little as 60 seconds upon completion of the online application
Online Customer Center available 24 x 7
Checking account required
The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Highlights

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
$300 credit limit (subject to available credit)
Receive your card more quickly with optional Expedited Processing (additional fee applies)
Get a result in as little as 60 seconds upon completion of the online application
Online Customer Center available 24 x 7
Checking account required
The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Additional Info

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
$750 Unsecured Credit Limit

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

$750 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 $750 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details