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.
Experian CreditMatch™
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
- Rating
- Credit Recommended
Any Credit Welcome
- Regular Purchase APR
See Issuer Website
- Annual Fee
See Terms
- Updated For
Sat 14 Dec 2024
- Full Details
GO2bank
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
- Card Brand
Visa®
- Credit Recommended
All Credit Types Considered
- Annual Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
- Regular Purchase APR
n/a
- 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.
PREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
- Card Brand
MasterCard®
- Credit Recommended
Fair/Poor
- Annual Fee
See Terms
- Regular Purchase APR
See Terms
- 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.
secured Self Visa® Credit Card
Reports to all 3 credit bureaus. No hard credit pull and no credit history required
- Card Brand
Visa®
- Credit Recommended
No Credit, New to Credit, Limited Credit, Bad, Poor
- Annual Fee
$25
- Regular Purchase APR
28.74% Variable
- Rewards
n/a
- Full Details
Highlights
The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence. No credit check or score required.
- The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
- Use your card anywhere Visa® is accepted in the US.
- A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
- Get help staying on track with Autopay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
- Card Brand
Visa®
- Credit Recommended
Any Credit Welcome
- Annual Fee
$0.00
- Regular Purchase APR
0%
- 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
- Meet Credit Builder, a brand new 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.
PREMIER Bankcard® Grey Credit Card
Pre-qualify with no impact to your credit score
- Card Brand
MasterCard®
- Credit Recommended
Fair/Poor
- Annual Fee
See Provider Website
- Regular Purchase APR
See Provider Website
- Rewards
n/a
- Full Details
Highlights
- Pre-qualify with no impact to your credit score
- Helping people build credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
Destiny® Mastercard® with Instant Credit
Instant: Once approved, add your card to your mobile wallet and shop today.
- Card Brand
MasterCard®
- Credit Recommended
Poor to Good
- Annual Fee
See terms
- Regular Purchase APR
See terms
- Rewards
n/a
- Full Details
Highlights
- Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
- Get the Destiny® Mastercard® in your mobile wallet today.
- Apply today and shop today!
- Instant: Once approved, add your card to your mobile wallet and shop today.
- Easy: We’ll help you add your card to your mobile wallet for instant access.
- Convenient: Use in-store, online or in-app to shop today.
- Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
- Start shopping today in-store, online or in-app using your mobile wallet.
- Shop today! Don’t wait!
- Start shopping right away.
- Get started now so you can shop today!
- Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
- Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
- Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
- Start shopping today with Destiny Mastercard, apply now!
MAGNUM – Credit Builder Account
No credit history needed; no hard check required
- Card Brand
Other
- Credit Recommended
All Credit Types Considered
- Annual Fee
$0.00
- Regular Purchase APR
0.00%
- Rewards
n/a
- Full Details
Highlights
- Get up to a +86 average* FICO® Score increase on autopilot
- Largest credit builder in the nation
- Build from $2,000 up to $30,000 of credit history starting at low monthly payments
- Great if you want to access premium CCs & higher credit limits
- No credit history needed; no hard check required
- No prepayment or early cancellation fees
*Individual results may vary, terms and conditions may apply.
Net First Platinum
$750.00 Line of Credit*
- Card Brand
Other
- Credit Recommended
Damaged credit to Fair credit
- Annual Fee
See Terms
- Regular Purchase APR
0.00%
- 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