blank New to Credit CREDIT CARDS

If you’re looking to establish credit, are actively seeking a new beginner credit card, or have never had a credit card, this is the best place to start. Today’s consumers actively looking to get a new starter credit card have more options than ever. These featured card programs below are especially designed for consumers looking for the new starter credit card. Apply Now with confidence.

☆   Card Spotlight
Today’s Featured Card

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

  

Regular Purchase APR

24.99% - 29.99% APR

Credit Recommended

Good/Fair/Bad Credit

Annual Fee

See Terms*

Updated For

Sun 17 Oct 2021

Full Details

Card Page

Revvi Card

Fast and easy application; response provided in seconds

Intro Purchase APR See website for Details*

Intro Balance Transfer APR See website for Details*

Annual Fee $75 1st year, $48 after

Credit Recommended See website for Details*

Regular Purchase APR 34.99%

Full Details Card Page

Highlights

  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don’t need perfect credit to apply

Additional Info

  • Manageable monthly payments
  • Secure online application with fast response
  • Protection from fraudulent charges if your card is lost or stolen
  • Improve your credit rating with on-time payments and by keeping your account in good standing
  • May help improve your credit score, by making on-time payments and keeping balance below the credit limit.
  • Build your credit score with on-time payments and keeping your balance below the credit limit.
  • Re-establish your credit by making on-time payments and keeping your account in good standing.
  • Potential to rebuild or improve your credit by making on-time payments, keeping balance below credit limit and paying at least the minimum payment.
  • Rebuild your credit with on-time payments and keeping your account in good standing.
  • Opportunity to request credit limit increase after twelve months, fee applies
    Secure online application; response provided in seconds

 

  • Regular APR: 34.99%
  • Annual Fee: $75 1st year, $48 after
  • Monthly Fee: None 1st year, $6.25 after
  • Activation Fee: $89
  • Intro Rate: See website for Details*
  • Intro Period: See website for Details*
  • Balance Transfer: See website for Details*
  • Credit Recommended: See website for Details*
  • Intro (Purchases): See website for Details*
  • Intro (Balance Transfers): See website for Details*
  • Intro Transfer APR: See website for Details*
  • Intro Transfer APR Period: See website for Details*

Specifications

Intro (Purchases) See website for Details*
Intro (Transfers) See website for Details*
Regular APR 34.99%
Annual Fee $75 1st year, $48 after
Credit Recommended See website for Details*
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 See website for Details*

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Excellent/Good/Limited/No Credit

Regular Purchase APR 12.99% to 26.99% Variable

Full Details Card Page

Highlights

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $500-$10,000 credit limits
  • Variable APRs 12.99%-26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • 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 12.99% to 26.99% Variable
Annual Fee 0.00
Credit Recommended Excellent/Good/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee 0.00
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

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
  • $500-$5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2%-10% cash back at select merchants
  • Variable APRs 19.99%-29.49%
  • No annual or foreign transaction fees.
  • Build credit alongside tens of thousands of Petal Card members
  • 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 Bounced payment fee up to $29.
Foreign Trans Fee n/a
Balance Transfer Fee n/a

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.

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

First PREMIER® Bank Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Issuer Website

Credit Recommended Fair/Poor

Regular Purchase APR See Issuer Website

Full Details Card Page

Highlights

  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you’re approved!
  • YOU’RE NOT ALONE – As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
  • Manageable credit limit, manageable payment, meant to fit your budget

*Build credit by keeping your balance low and paying all your bills on time every month.

Additional Info

Specifications

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

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR 24.99% - 29.99% APR

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)

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 25.90% - 29.99% APR
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

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Regular Purchase APR 24.99% - 29.99% APR

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!

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.99% - 29.99% APR
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

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

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

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • 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)

Additional Info

Specifications

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

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”

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

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms

Credit Recommended Fair/Bad

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.

Additional Info

Specifications

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

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Office Location
Address: Attn: LeadDemand – 3200 E. Guasti Road, Suite 100 – Ontario, CA 91761

Contact Information
Email: support@deluxcards.com

Phone: Customer Service

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).

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