Poor Credit CREDIT CARDS

Highlights

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Fair
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Visa®

Specifications

Highlights

• Don’t let a low FICO score stop you from applying – we approve applications others may not.
• You don’t need good credit to apply.
• Just complete the short application and receive a response in 60 seconds.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• 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

Highlights

• Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
• Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
• Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
• Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
  *Please see site for full terms and conditions.

Additional Info

• Activation Fee: $0
• Monthly Fee: $0 with eligible direct deposit
• Direct Deposit Fee: $0
• ATM Fee: $2.50
• Credit Recommended: N/A

Specifications

Highlights

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Fair/Bad Credit
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Visa®

Specifications

Highlights

• All the benefits of a Mastercard, without a security deposit
• 24/7 access to your account, even on mobile!
• Reports to all three major credit bureaus
• Less than perfect credit is okay, even with a prior bankruptcy!

Additional Info

• Regular APR: See terms
• Annual Fee: See terms
• Credit Recommended: Poor to Good
• Brand Name: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Specifications

Highlights

• Savings plans start at $25/month and includes credit monitoring
• Reports to all 3 credit bureaus. No hard credit pull and no credit history required
• Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
• At the end of account term you’ve built credit history and your CD savings unlocks

Additional Info

• Balance Transfers Intro APR: N/A
• Purchases Intro APR: N/A
• Regular APR: 12.03% – 15.98% (Varies by Product)
• Annual Fee: One Time $9 – $15 Account Fee (Varies by Product)

Specifications

Highlights

• Greater access to credit than before – $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability for unauthorized use
• Access your account online or from your mobile device 24/7

Additional Info

• Regular APR: See terms
• Credit Recommended: Fair/Good
• Annual Fee: See terms
• Card Brand: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Highlights

• Earn 1% cash back rewards on payments made to your First Digital Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• 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.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Cash Back Rewards Programs Terms & Conditions for details

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

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Poor/Damaged/Fair
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Mastercard®

Specifications

Highlights

Dave.com – Bank, Budget, Build Credit & Find Work

If you need cash in a hurry, and you qualify, Dave can spot you up to $500. Buy gas or groceries. Pay bills or rent. No credit check and no interest!

Get up to $500 instantly (1) with ExtraCash™ from Dave. There’s no interest, credit check, or late fees. With a Dave Spending account, you can also get your paychecks up to two days earlier (2).

Earn cash back with Dave Rewards (3), save money with Dave Goals, and ​​if you want to make more money, Dave can help there too! With Side Hustle, you can easily find and apply for side jobs and get that cash.

Join millions of people building a better financial future with Dave!

Additional Info

ADVANCE UP TO $500 INSTANTLY (1)

Dave’s ExtraCash™ advance can now get you more funds than ever—up to $500! (1) That’s more money to fill your tank, tackle your to-do list, or take advantage of a now-or-never opportunity.

For more information, please visit dave.com/extra-cash-account

SPEND IT INSTANTLY (1)

The money is yours to spend right away with your Dave Debit Mastercard®. Unlike other apps, there’s no waiting period or lengthy application process—which means no more missing out because of a low balance.

ENJOY EARLY PAYDAYS (2)

Get paid up to two days early when you set up direct deposit into a Dave Spending account!

EARN CASH BACK WITH DAVE REWARDS (3)

Want cash back on your everyday spending? Dave Rewards makes it simple. Just swipe your Dave Debit Mastercard®—now loaded with cashback offers from big name retailers.

SAVE WITH GOALS

Put cash toward anything you’re saving for—a trip, emergency fund, student loans, and more.

FIND A SIDE HUSTLE

If you want to earn more money, Dave can help! Apply for side jobs that fit your lifestyle.

Membership is $1 per month to access our account monitoring, notification services, budgeting and to maintain a connection to your external bank account.

(1) ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. Average approved advance is $120 as of October 10, 2022. See dave.com/extra-cash for more details.

(2) Early Payday: Early access to direct deposit funds depends on the timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.

(3) Rewards are not offered by Evolve Bank & Trust, but instead are offered and managed by Dave, Inc in partnership with Figg.

Dave is a Mark Cuban company. https://markcubancompanies.com/

Specifications

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

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

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

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

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

Highlights

Additional Info

• Regular APR: 35.99%*
• Cash Advance APR: 35.99%*
• Annual Fee: $75.00 1st year, $48.00 after*
• Late Payment Fee: Up to $41.00*
• Return Payment Fee: Up to $41.00*
• Program Fee: $95.00*
• Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
• Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
• Credit Recommended: Fair
• Credit Limit: $300
• Rewards Rate: 1% Cash Back
• Card Brand: Visa®

Specifications

Highlights

• 1% Cash Back Rewards on payments
• Choose your own fully-refundable credit line – $100 to $2000 – based on your security deposit
• Build your credit score.¹ Reports to all 3 credit bureaus
• No minimum credit score required for approval!
• 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• *See Important Disclosures for complete offer details

Additional Info

• Regular APR: 24.49% (V)
• Cash Advance APR: 29.49% (V)
• Annual Fee: $25.00 for the first year, after that $35.00 annually*
• Credit Line: Minimum refundable deposit of $100.00 up to $2,000.00*
• Credit Recommended: Poor/Limited/No Credit
• Rewards Rate: 1% Cash Back on payments

Specifications