Top Rated - Credit Cards
Obtaining a credit card can feel challenging, particularly if your credit score is less than perfect or if you’re just beginning to build your credit history. However, we’ve simplified the process by selecting issuers that are open to working with you. These credit cards have been carefully chosen for their secure application process, transparent interest rates, and straightforward terms. The application is fast and easy, so let’s dive into the options available to you.
the secured Self Visa® Credit Card
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
- Rating
- Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
- Regular Purchase APR
See Issuer Website
- Annual Fee
$0 ($25 Annual Fee after the first year.)^
- Updated For
Sat 31 May 2025
- Full Details
PREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
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Card Brand
MasterCard
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Credit Recommended
Fair/Poor
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Annual Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
n/a
- Full Details
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.
GO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
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Card Brand
Visa
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Credit Recommended
All Credit Types Considered
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Annual Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
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Regular Purchase APR
n/a
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Rewards
Earn up to 7% cash back when you buy eGift Cards in the app
- Full Details
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.
Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa
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Credit Recommended
Any Credit Welcome
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Annual Fee
$0.00
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Regular Purchase APR
No Interest
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Rewards
n/a
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Destiny® Mastercard® – Up to 3% Cashback Rewards
No security deposit required—get started today!
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Card Brand
MasterCard
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Credit Recommended
Fair
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Annual Fee
$175 the first year; $49 thereafter
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Regular Purchase APR
35.90%
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Rewards
Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
- Full Details
Highlights
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
Milestone® Mastercard® – 1.5% Cashback Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
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Card Brand
MasterCard
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Credit Recommended
Fair
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Annual Fee
See Terms
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Regular Purchase APR
See Terms
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Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
- Full Details
Highlights
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
Destiny® Mastercard® with Instant Credit
A guaranteed $700 credit limit to help get your financial goals on track, if approved.
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Card Brand
MasterCard
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Credit Recommended
Fair
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Annual Fee
$175 the first year; $49 thereafter
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Regular Purchase APR
35.90%
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Rewards
n/a
- Full Details
Highlights
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Current Build Visa® Credit Card
Credit for everyone - Regardless of your credit history!
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Card Brand
Other
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Credit Recommended
No to Good Credit
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Annual Fee
$0.00
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Regular Purchase APR
0.00%
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Rewards
Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
- Full Details
Highlights
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit.
- Build credit not debt.
- Grow your savings – Earn up to a 4.00% Bonus on Savings Pods
Net First Platinum
$750.00 Line of Credit*
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Card Brand
Other
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Credit Recommended
Damaged credit to Fair credit
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Annual Fee
See Terms
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Regular Purchase APR
0.00%
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Rewards
n/a
- Full Details
Highlights
The Net First Platinum card could be the perfect card for you.
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
*See Card for Details