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| We provide credit card offers for students and people with new or problem credit. This page is updated frequently, so please check back later to see if any new offers are added. |
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Secured Credit Cards If you
have never had credit before, you have no credit record. Most major
credit card companies will not give you a credit card when you are in
this situation. Apply for a local department store credit card and a gas
card. If you can qualify for one of these cards, you can use it to build
up a credit record. After you have built up a credit record you can
reapply for a Visa or MasterCard. If you are turned down for a gas card
or department store card your only choice may be to apply for a secured
credit card. Having a bad credit record makes it very hard if not impossible to get a credit card. A secured credit card may be the only way you can obtain a credit card. If you are in this position you need to be very careful not to overextend yourself. The interest rates are very high because you are considered to be a high risk. Apply for a card and use it to rebuild your credit record. After you prove yourself you will be able to apply for a lower rate credit card. To obtain a secured credit card you will have to deposit money in an account with the credit card issuer. The amount of credit extended to you is based on the amount of money in your account. You may also be charged an annual fee and maybe even an application fee. Interest rates are very high. Pay your balance in full every month to avoid paying finance charges. You want to use this card to establish a good credit record so you can apply for a low rate card. If your payment is late you will be charged a late fee of $25.00 or more. Check the terms and conditons and disclosures on the card issurers site for exact terms. Read the terms and conditions carefully. If you do not make payments on time, the high interest rate and late fees can add up quickly and create excessive debt. Be very careful with a secured account, do not get stung by the Credit Creep. If you make your payment late the credit card company will not only charge a fee, they can raise your interest rate! Some cards have an express delivery fee. Some will increase your credit limit after time and charge a fee when they do. If you charge more than your credit limit you will have to pay an extra fee. Send off your payment the day you receive your bill. You want to be sure your payment arrives on time. You want to use your money to pay off your balance, not to pay late fees, over limit fees and higher interest rates. |
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Horizon Gold Card Reported to a major credit bureau as an unsecured credit line Unlimited access to your Credit Report Membership Fee $14.95 a month Initial $500 credit limit We will not check your credit report ! Required to have an active debit or credit card in your name Reported to a major credit bureau as an unsecured credit line $20000 in Identity Theft Protection Insurance | |
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USA Universal Titanium 0% Annual Percentage Rate APR for Purchases Reported to a major credit bureau as an unsecured credit line Instant *guaranteed online approval Membership in the USA Credit Plan is $149.95 Initial $7500 Merchandise credit line FREE Credit Limit Increase Available after 6 months of $2500 Optional ELITE Status Membership No credit checks or turndowns Apply now and get a $50 gift card or prepaid visa |
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USA Platinum Instant *Guaranteed Online approval No credit Checks No Interest Charges Merchandise credit line $7500 Checking or Savings account required Reporting to a credit bureau a $7500 unsecured credit line $149 1 time application fee BUT $150 in merchandise credits *See website for terms and conditions |
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All American Gold Card No Credit Check, No Interest Charges 30 days money back guarantee on membership fee Merchandise credit line $6000 $149.95 1-time application fee BUT receive a $300 Grocery Gift Card Minimum monthly payment is $25 or 15% of the balance Down payment approximately 20-30% may be required |
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Free Credit Club 0% Purchase APR* Merchandise credit line of $2500 No upfront fee At any time pay off full unpaid balance without penalty or costs NO Credit Check or employment verification Optional upgrade to $7500 merchandise credit line and Credit Manager Minimum monthly payment is $25 or 15% of outstanding balance |
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USA Gold Instant *Guaranteed Online approval No credit Checks Merchandise credit line up to $5000 0% APR unless you late Reporting to a credit bureau No annual fee, $149.95 1-time application fee BUT receive a $300 Grocery Gift Card |
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Un-Secured student |
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Capital Oneฎ Platinum Card for Students 0% APR on purchases for up to 3 months* Then a variable  % APR* No Annual Fee No Balance Transfer Fee Credit Limit $300- $3000* up to 40% off deals & 10% at Capital One Saving Zone on Yahoo Shopping Collision, Damage, and Loss Insurance on rental cars Customize your card design *See Card Terms & Conditions |
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Discoverฎ Open Road SM Card for Students
0% Interest on Purchases 6 months Then a  % APR* Full 5% Cashback Bonusฎ on gas & auto maintenance purchases* Up to 1% unlimited Cashback Bonus on all other purchases* Increase even double value Bonus at 80 Cashback Partners Easiest online account management options $0 Fraud Liability Guarantee No Annual Fee Good Credit Required *See terms and conditions LINK |
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Discoverฎ Student Tropical Beach Card 0% Intro APR* on Purchases usually for 6 months* read TERMS for current Thereafter  % or up APR* No Annual Fee 5% Cashback Bonusฎ in popular categories* Up to 1% Cashback Bonusฎ on all other purchases automatically* Build Your Credit History Grace Period at least 25 days Online account management 100% protection from all unauthorized purchases |
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Bank of America Fidelity Investmentsฎ 529 College Rewardsฎ American Expressฎ 0% Intro APR on balance transfers & cash advance checks for 12 months Then and purchases a  % APR* Earn 1.5% on net retail purchases charged to the card Earnings transfer to your Fidelity Managed 529 Plan Account Automatically American Express Selects enjoy special online offers Card issued by FIA Card Services, N.A *See terms and conditions |
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Capital Oneฎ No Hassle Cash SM for Students 0% APR on purchases for up to 3 months* Then a variable  % APR* Annual Fee $29 1% cash back on purchases 25% annual bonus on the cash you've earned during the year* Rewards won't expire for the life of your account No Balance Transfer Fee Credit Limit $300- $3000* up to 40% off deals & 10% at Capital One Saving Zone on Yahoo Shopping Collision, Damage, and Loss Insurance on rental cars *See Card Terms & Conditions |
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Bank of Americaฎ Student Platinum Plusฎ Card % Variable APR* No annual fee No cosigner required Receive a $25 statement credit after qualifying transaction Total Security Protectionฎ Card issued by FIA Card Services, NA. *See terms and conditions |
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Chase +1 SM Student MasterCardฎ 0% Intro APR* on purchases & balance transfers up to 6 months Then a  % variable APR* No Annual Fee Earn Karma Points 15 Karma Points just by getting approved for a Chase credit card Earn more Karma Points at Facebook.com/plus1 Share points with friends, give points to support causes Get the limited edition Facebook t-shirt with 10 Karma Points Redeem for music, movies, electronics, & more in the Chase+1 store |
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Capital Oneฎ Platinum Card for Students 0% APR on purchases for up to 3 months* Then a variable % APR* No Annual Fee No Balance Transfer Fee Credit Limit $300- $3000* up to 40% off deals & 10% at Capital One Saving Zone on Yahoo Shopping Collision, Damage, and Loss Insurance on rental cars Customize your card design *See Card Terms & Conditions |
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MetaBank Rewards 660 Visaฎ Credit Card 19.92% APR* This is an unsecured credit card $300 starting credit limit* $250 of fees will be billed to the card* Participation Fee of $10 / month* Automatic credit limit increases (optionable) Reports to Equifax and TransUnion credit bureaus Grace Period 25 days Free Online Account Access *See Card Terms & Conditions LINK |
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Access Unsecured Visaฎ from Plains Commerce Bank Fixed 19.92% APR* $48 Annual Fee* One-time: Program Fee $96, Set-up $56* Participation Fee $8 monthly* Reports to All Major Credit Bureaus Free 24hour Online Account Access 25 day grace period Bad Credit or No Credit? Give Access It a Try Outstanding Customer Service *See Card Terms & Conditions LINK |
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Orchard Bank Custom Fit Mastercardฎ Application will recommend credit card that best fits your needs Application process can be aborted or customized at any time: Fill out the inquiry form View the credit cards you're actually pre-qualified for Read terms & conditions of the credit card you've selected Free online account management tools Your choice of payment due dates Zero Liability Fraud Protection Platinum: 0% Intro APR for 6 months on Purchases & Balance Transfers $0-$72 annual fee Variable Purchase APR 8.90%-18.90% $0-$29 setup fee's Gold: $39-$96 annual fee Variable Purchase APR 8.90%-18.90% $19-$39 setup fee's Secured: $0-48 annual fee Variable Purchase APR 8.90%-14.90% $100-200 minimum deposit *See Card Terms and Conditions LINK |
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Aventium Gold Card 9.9% APR* for Purchases Account Set-up Fee: $29* (one-time fee) Program Fee: $95* (one-time fee) Annual Fee: $48* Monthly Servicing Fee: $7* Grace period on purchases of 25 days Initial minimum credit limit will be at least $250* Above Fees are billed to card making available credit $71* Consideration of a credit limit increase after 6 months not required to send any money to apply *See terms and conditions LINK |
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Continental Finance Gold MasterCardฎ As Low As 9.75% APR* Set-Up Fee: $200 (one-time) Annual Fee: $25 Maintenance Fee: $12 monthly (starting second month) Grace Period Not less than 25 days from Statement Date* Monthly Reporting to Major Credit Bureaus Unsecured Creditline FREE Online Access Excellent Online Tools for Managing Your Finances Semi-Annual Credit Limit Increases *Approval subject to other criteria *See terms and conditions LINK |
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UltraVX Visaฎ by Metabank APR: 18.00%* UltraVX Visa has three different accounts, each with its own balance No credit check or Income requirement Cash Account: cash loads, Money Transfers, Transfers, Bill Payments Secured Account is used to secure the Credit Line Credit Account is used for all your purchases (reported line of credit) When exceeding Credit Line - automatic Transfer from Cash Account Maximum Credit Line is $25000 UltraVX Visa is a credit card which may build your credit rating UltraVX reports to the major credit bureaus each month Safeguard credit score:automatically taking payments from CashAccount Minimum payment is 4% of the Outstanding Credit Balance Load methods: direct deposit, PayXone, Western Union, MoneyGram UltraVX offers alerts to help you stay updated on account activity Earn CLEAR REWARDS for Airlines, Hotels, and many more |
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Total Visaฎ Card 19.92% APR* $48 Annual Fee* One-time: Program Fee $96, Setup $56* Participation Fee $8 monthly* You get the status of a major credit card Credit reported to 3 credit bureaus as Unsecured Credit line *See Card Terms & Conditions LINK |
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Secured low credit |
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First PREMIER Bank Secured Visaฎ/MasterCardฎ Annual Percentage Rate for Purchases 19.9% APR* Annual Fee: $69* Deposit account at least $200, maximum $5000 Initial credit limit will be equal to your security deposit Consideration of credit limit increase in little as 6 months Grace period on purchases 25 days Wisconsin residents are not eligible *See terms and conditions LINK |
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New Millennium Bank Secured Black Diamond Card Annual Percentage Rate 19.5% APR* Annual Fee $59* Credit limit of $300 to $10000 equal to balance in savings account Not considering your credit history Verifying only your age, social security number and residence Solid credit history on your account Ability to request credit line increases at any time with additional deposit Grace Period for Purchases None Rated 4 stars (Excellent) by Bauer Financial Services Deposited funds are FDIC insured *See terms and conditions LINK |
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| Prepaid |
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Eufora Stored Value MasterCardฎ Card Annual fee $29.95 or $59 for Credit Builder Value Load Fee $1 Optional Credit Builder +$6/month (credit reporting) Cash Reward Program Online Access Zero Liability Identity Theft Insurance Auto Rental Insurance Up to 200000 Travel Accident Insurance |
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Western Unionฎ Prepaid MasterCardฎ Reload card at any of 47000 participating Western Union locations One-time non-refundable Activation $9.95 Fee applied 1st Card load You dont even need a bank account Directly deposit paycheck on the card & waive the $4.95 Monthly Fee Check card balance online or over the phone Nothing to pay until you receive & activate your card Free Online Balance Inquiry Free Call/Balance Inquiry Free Live Customer Service Assistance Free Electronic Statement Max Balance $2500 (max $950 load/day) Card will arrive within 5 to 7 business days of enrollment | ||
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Wired Plastic Prepaid Visaฎ NO Credit Card required even to open account FREE=Payroll Direct, Check/MoneyOrder, ACH, PayPal, Online Funds $3.95 per month & one-time $9.95 fee to own +initial balance Online Account Management Earn Wired Points Prepaid Airtime Minutes every $1=1second Good for Verizon, TracFone, Cingular & AT&T Receive 1000 bonus Points when you load & activate your card May Review Your Credit History May Review ID, SSN, BILL in your name (depending on credit history) |
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First
Vineyard edition Wired Plastic First Vineyard does not set a limit or charge a fee for transactions 1% cash back on your own spending SSN & bank account or credit card required for in. fee (names dont have to match) $6.95 per month and one-time $39.95 fee to own No credit approval/check required Recharge it as you see fit with direct deposit, MO, cashiers check ect. |
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AccountNow Prepaid Visaฎ Card Card activation $9.95, Premium $29.95 Monthly Maintenance $4.95, Premium $9.95 Deposit Funds (except bank wires) FREE FREE paycheck direct deposits Signature Purchases FREE PIN-Based Purchases $0.50 International Purchases $1.00 FREE Online Web Service and Monthly Statement FDIC Insured Deposits up to $100000 Visa Zero Liability for unauthorized use Premium Plan: 1 FREE cash withdrawal per month, then $2 FREE Credit Builder, reports payment history to PRBCฎ credit bureau Bill Pay Transaction 7 monthly transactions FREE; then $1 each Write checks online with FREE bill pay Perfect alternative to a checking account |
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Baby Phat Prepaid Visaฎ RushCard Free to add money: Deposit, Check, MO, Retail Locations Free Online Statement Free 24x7 customer service No Hidden Fees Activation Fee $19.95 Maximum Card Balance $9999 Non-PIN Transactions $1 ($10 max per month) ATM Withdrawal Fee $1.95 ($3.50 outside the U.S.) Pay bills quickly from over 20000 electronic billers Everyone Approved pending verification of identity Refer friends and receive $5 |
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Millennium Advantage Pre-Paid MasterCardฎ One-time acceptance fee $29.95 Load fee of $1 each time Maintenance fee $5.95 per month ATM cash transaction fee $1.95 ATM balance inquiry of $.75 Call center fee of $1 per minute No credit check or income verification required No Chexsystem check Phone and On-line account access |
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