Bad Credit Credit Cards
FOR A BETTER CREDIT RATING...
...start by checking your credit report. Contact them to have any erroneous item removed (they have to respond in 30 days or less to your complaint. The easiest way to have incorrect items removed is to call your creditors directly and ask them why they put those items there. If possible, have them remove these negative entries if they were in fact erroneous. After the incorrect (negative) items have been removed from your credit report, apply for credit cards specially designed for people with less than perfect credit. With a line of credit, you can prove your credit worthiness. Apply for one or two unsecured (or if denied, try a secured) credit cards*. Use these cards to buy everyday items, like fuel and clothes.
*Not all credit cards listed on this site report to major credit bureaus!
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 Orchard Platinum MasterCard®
Card Issued by: HSBC Bank Nevada, N.A.
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Ongoing APR: 8.90%-18.90%
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Annual Fee: $39-$59
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- Enjoy the prestige of Platinum with no up front fees
- Premium Platinum benefits including Purchase Protection
- Great credit card to strengthen your credit
- Reports to all 3 credit bureaus monthly, which can help improve your credit score
- Free Online 24-hour Account Access and Bill Pay
- Periodic credit limit increases
View the Credit Terms & Conditions.
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 First PREMIER MasterCard®
Card Issued by: First PREMIER Bank
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Total Initial Charge: $179.00*
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Ongoing APR: 9.9%*
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Annual Fee: $48.00*
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- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
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 Centennial® MasterCard®/Visa®
Card Issued by: First PREMIER Bank
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Total Initial Charge: $179.00*
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Ongoing APR: 9.9%*
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Annual Fee: $48.00*
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- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
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 Centennial® Gold Cards
Card Issued by: First PREMIER Bank
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Total Initial Charge: $179.00*
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Ongoing APR: 9.9%*
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Annual Fee: $48.00*
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- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
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 Orchard Classic MasterCard®
Card Issued by: HSBC Bank Nevada, N.A.
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Ongoing APR: 8.90%-18.90%
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Annual Fee: $79.00
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- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
View the Credit Terms & Conditions.
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 FP Bank Platinum Credit Card
Card Issued by: First PREMIER Bank
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Total Initial Charge: $179.00*
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Ongoing APR: 9.9%*
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Annual Fee: $48.00*
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- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
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 FP Bank Gold MasterCard®
Card Issued by: First PREMIER Bank
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Total Initial Charge: $179.00*
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Ongoing APR: 9.9%*
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Annual Fee: $48.00*
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- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
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 Orchard Secured MasterCard®
Card Issued by: HSBC Bank Nevada, N.A.
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Total Initial Charge: $200 minimum deposit
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Ongoing APR: 7.90%-14.90%
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Annual Fee: $0-$35
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- Set your own credit limit starting at $200, all online
- The perfect card to start building or rebuild your credit
- Reporting monthly to all major credit bureaus
- Your choice of payment due dates to fit your schedule
- Free standard bill pay and online account management tools
- E-alerts to your email or cell phone to remind you when a payment is due
View the Credit Terms & Conditions.
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 Continental Finance Gold MC
Card Issued by: First Bank of Delaware
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Total Initial Charge: $225.00
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Ongoing APR: 9.75%
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Annual Fee: $25.00
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- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
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 Rewards 660 Visa® Card
Card Issued by: Dakota State Bank
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Ongoing APR: 19.92%
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Annual Fee: $48.00
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- No Fee Credit Limit Increases*
- $300 Starting and $2,000 Maximum Credit Limit
- Fast Online Response
- Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
- FREE Online Account Access
- FREE Online Payments
*See Rates, Fees & Terms.
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 Continental Finance MasterCard
Card Issued by: First Bank of Delaware
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Total Initial Charge: $250.00
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Ongoing APR: 19.92%
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Annual Fee: $50.00
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- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*Approval subject to other criteria. See Terms and Conditions.
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 Tribute® Gold MasterCard® Card
Card Issued by: First Bank of Delaware
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Ongoing APR: Prime +11.75%* (Min. 19.50%)
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Annual Fee: $150*
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- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
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 UltraVX Visa®
Card Issued by: MetaBank
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Total Initial Charge: $29.95
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Ongoing APR: 14.9%
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- Credit-On Demand™*: up to $25,000 credit line
- Instant Approval: no credit check, no minimum income or bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™*: American Airlines, Southwest, jetBlue, Marriot, and more—no restrictions!
- Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide
*Patent Pending
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 Access Visa® Card
Card Issued by: Plains Commerce Bank
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Total Initial Charge: $200.00
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Ongoing APR: 19.92%
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Annual Fee: $48.00
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- Instant On-Line Decision
- Bad Credit? No Credit? Give Access A Try!
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
See Rates, Fees & Other Costs.
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 NMB Secured Platinum Card
Card Issued by: New Millennium Bank
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Total Initial Charge: $99.95
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Ongoing APR: 19.50%
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Annual Fee: $59.00
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- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
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 FP Bank Secured MasterCard®
Card Issued by: First PREMIER Bank
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Total Initial Charge: $200 minimum deposit*
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Ongoing APR: 19.9%*
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Annual Fee: $69.00*
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- Reports monthly to 4 Major Credit Bureaus
- Quality Customer Service
- Accepted where you see the MasterCard® logo
- Over 3 million credit card holders
- Enjoy the benefit of 24-hour phone account access
*See Rates, Fees & Terms for current information.
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 BuyRIGHT Prepaid MasterCard®
Card Issued by: MetaBank
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Total Initial Charge: $49.95
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Ongoing APR: N/A
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- Click-N-Pay bill payment
- Free direct deposit
- Free activity alerts
- On-line money management tools
- BuyRIGHT Rewards program
- No Credit Checks
- No Employment Verification
- No Monthly or Annual Fee Option
- Free BuyRIGHT Marketplace Membership
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 Wired Plastic™ Prepaid Visa®
Card Issued by: BankFirst
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Total Initial Charge: $9.95
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Ongoing APR: N/A
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- Receive your new Visa® card in as little as 3 days
- No Upfront Payment Required
- Overdraft Safety Program
- Rewards Program
- Integrated Bill Pay Service
- Convenient Loading Options
*See Terms and Conditions.
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 Western Union® MasterCard®
Card Issued by: BankFirst
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Total Initial Charge: $9.95
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Ongoing APR: N/A
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- Carry your money safely and conveniently.
- Shop online anywhere MasterCard debit cards are accepted.
- Check your Card balance anytime online or over the phone.
- Reload your Card at any participating Western Union Agent location in the United States.
- No credit checks! No lengthy applications!
- Shop wherever MasterCard debit cards are accepted — even online
- Efficiently manage your money and pay bills because you control how much you put on the Card.
- Easy to Get, Easy to Use
- The power of cash. The convenience of plastic.
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 Centennial® Secured MasterCard
Card Issued by: First PREMIER Bank
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Total Initial Charge: $200 minimum deposit*
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Ongoing APR: 19.9%*
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Annual Fee: $69.00*
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- A MasterCard® for Those With Less Than Perfect Credit
- Enjoy the Benefit of 24 hour Account Access by Phone
- Accepted where you see the MasterCard® Logo
- Over 3 Million Card Holders
- Quality Customer Service
*See Rates, Fees & Terms for current information.
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 USA Gold Optimum
Card Issued by: USA Credit
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Total Initial Charge: $149.95
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Ongoing APR: 0.00%
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Annual Fee: None
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- No credit checks or turndowns
- No employment verification
- Merchandise credit limit increases available
- Merchandise credit line is reported to a major Credit Bureau
- *Guaranteed Instant Online Approval
- Apply now and receive a *FREE $50 gift card
*See website for Terms & Conditions.
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 All-Access® Visa® Prepaid Card
Card Issued by: MetaBank
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Total Initial Charge: $9.95
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Ongoing APR: N/A
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Annual Fee: $0.00 or $69.95*
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- No upfront costs
- No hassle
- Multiple cards
- Free direct deposit
- Flexible fee plans*
- Access to cash
*See web site for Features & Fees.
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 USA Classic
Card Issued by: USA Credit
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Ongoing APR: 0.00%
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Annual Fee: None
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- No Employment Verifications
- No Credit Checks
- Membership is *Free
- $2,500 unsecured merchandise credit line
- Poor Credit? No Credit? No Problem
- *Guaranteed Instant Online Approval
*See website for Terms & Conditions.
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 AccountNow Debit MasterCard®
Card Issued by: MetaBank
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Total Initial Charge: $19.95 (Plus Plan)
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Ongoing APR: N/A
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- Instant Guaranteed Approval* — no credit check, no security deposit
- $0 ACTIVATION FEE — when you load your card by direct deposit
- Free Direct Deposit — no more check cashing fees
- Free Online Bill Pay — no need for expensive money orders
- Free Credit Builder* — bill pay transactions are reported to PRBC®
- No Overdraft Fees — no minimum balance required
- Reloadable - $10,000 balance limit
*See web site for Features & Fees.
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 Card Lab Custom Visa Gift Card
Card Issued by: Marshall Bank, N.A.
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Total Initial Charge: 5.95*
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Ongoing APR: N/A
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- Perfect for any occasion or holiday - makes the impersonal gift personal again
- Upload your own photo or choose one from our huge design gallery
- Customize your card with an embossed message
- Cards are available in denomination of $10 to $250 and are accepted anywhere Visa debit cards are accepted
- Online access lets you easily check your balance and transactions
- Cards are only $5.95 and are delivered in 5 to 10 business days
*See web site for details.
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