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Featured Credit Cards for Consumers with Limited/No Credit About |
Visitors to our site with a credit rating that is "less than desirable" have found this section of our site to be helpful. The cards listed below can help you improve your credit rating if used responsibly. This section also highlights cards that cater to consumers who are seeking to "establish credit" (such consumers do not have a credit history). Unless noted, the cards below report to at least one of the three major credit reporting agencies or bureaus. If you would like to receive new reviews of credit cards in this section by e-mail, then please subscribe to our newsletter! Our newsletter includes insider credit card tips and expert analysis. |
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Orchard Bank Classic MasterCard® - Apply Online*
- Built in benefits you can use on a daily basis
- Provides you with the opportunity to establish better credit
- Orchards' custom pre-screening credit application suggests the Orchard Classic card that's right for you - Platinum, Gold, Classic or Secured
- Standard variable purchase APR as low as 14.90%
- Annual fee: $0 - $79
Card Details: Note! *See the online Orchard credit card application for details about terms and conditions of this offer. Annual Fee: $0 - $79. 5% Cash Advance fee and, if applicable, Balance Transfer Fee with a $10 minimum. Issued by HSBC Bank Nevada, N.A. Orchards' pre-screening application will suggest either the Platinum, Gold, Classic or Secured and provide you with the specific application
for that card if you choose to apply.
If the pre-screening application directs you to the secured card a savings account will serve as collateral for the secured credit card.
The minimum deposit required is $200, with a maximum deposit of
$15,000. At any time after your account is opened, you may send in
deposits in increments of $100 to add to your secured savings account. Interest rate is 7.90% and $35 annual fee is waived during the first year.
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Intro APR
Period |
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|
Transfer Fee |
Credit Needed |
0% |
6 months |
As low as 14.90%* V |
Yes |
5% ($10 minimum) |
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 Application Requirements:
In order to apply for a credit card, you must be at least the legal age in the state of your residence, your annual salary must be at least $12,000 (for an unsecured card), you must have a telephone in your residence and you must reside in the United States and have a valid social security number. Credit approval will be determined upon review of a current credit bureau report and other information bearing on your creditworthiness. |
Poor Credit Tip! A secured credit card is often the best option for many consumers with a poor credit rating. Secured cards usually offer more attractive terms than unsecured cards (fewer fees, lower interest rates, etc.) and have a higher approval rate. In addition, secured card issuers often report to the major credit bureaus in the same manner that unsecured card issuers do (please verify this before applying). In other words, credit bureaus usually do not make a distinction between the two card types (please verify this before applying). So, secured cards can often help you rebuild or establish credit just as fast as an unsecured card can. Finally, if you use your secured card responsibly, you are likely to qualify for an unsecured credit card with more attractive terms after only a year or so. |
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Orchard Bank Premium Low Interest MasterCard® - Apply Online*
- 8.9% variable purchase APR on all cards
- 0% Introductory APR on card purchases and balance transfers for six months, for qualifying applicants*
- MasterCard's Platinum Benefits package to extend warranties on purchases you make with your card
- 100% Fraud Liability Protection
Card Details: Note! *See the online Orchard credit card application for details about terms and conditions of this offer. Based upon your creditworthiness, an annual fee may be charged at a rate between $0 and $8 every billing cycle as a Periodic Membership Fee and a processing fee of $0 - $49 may be charged. The variable Cash APR will be 22.90%. The variable Default APR will be 29.49%. A cash advance fee of 5% ($10 minimum) will apply to balance transfers, if available, and cash advances, unless otherwise disclosed. Depending on your credit, you may be offered a secured credit card instead. Issued by HSBC Bank Nevada, N.A.
This offer is available to online applicants and is based upon your credit score. Learn how to obtain your official scredit scores for free.
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Intro APR
Period |
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Transfer Fee |
Credit Needed |
0% |
6 months* |
8.9% V |
Yes |
5% ($10 minimum) |
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Capital One® Standard Platinum - Apply Online
For applicants whose credit needs improvement or have a limited credit history.
- 0% on purchases until October 2008. After that, variable APR, currently 17.8%
- No annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
Card Details: No balance transfer fees. $0 fraud liability for lost or stolen cards. 24/7 customer support and online account service.
* This offer is available to online applicants. This online application is subject to the terms and conditions as described in the Important Information Section of the application.
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Intro APR
Period |
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Transfer Fee |
Credit Needed |
0%* |
October 2008* |
17.8% V* |
Yes* |
None* |
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Helpful Tool! Need help with debt management or consolidation? Accelerated Debt Consolidation, Inc. is a full service Credit Counseling and Debt Management firm. They are known for providing the highest quality specialized debt management service in the industry. Debt help is available without ruining your credit. |
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