Credit that needs improvement - Credit Cards




Purchase APR Rate: 17.39% (variable)
Annual Fee: $35
Credit Needed: Poor
Credit Line: $200-$3000 at time of application
Late Payment Fee: Up to $38
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.




Purchase APR Rate: 19.99% (V)
Annual Fee: $29
Credit Needed: Poor/Limited/No Credit
Credit Line: up to $2,000
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file




Purchase APR Rate: 13.99% (V)
Annual Fee: $39
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file




Purchase APR Rate: 9.99% (V)
Annual Fee: $49
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file




Intro APR Period: N/A
Purchase APR Rate: See Terms
Annual Fee: See Terms
Credit Needed: Fair/Bad
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.




Intro (Purchases): N/A
Intro APR Period: N/A
Purchase APR Rate: 24.9%
Annual Fee: $35 - $99*
Credit Needed: Poor/Bad
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.

*Dependent on credit worthiness





Intro (Purchases): N/A
Intro APR Period: N/A
Purchase APR Rate: 24.9%
Annual Fee: $35 - $99*
Credit Needed: Poor/Bad
  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.




Intro (Purchases): N/A
Intro APR Period: N/A
Purchase APR Rate: 24.9%
Annual Fee: $0 - $99
Credit Needed: Bad/Poor
  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.




Purchase APR Rate: 9.99%
Annual Fee: $48
Credit Needed: Poor/Fair/Limited/Damaged
Credit Line: See website for Details*
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime




Intro APR Period: N/A
Purchase APR Rate: 25.90% - 29.99% (Variable)
Annual Fee: See Terms
Credit Needed: Fair/Poor/Bad/Limited
Late Payment Fee: Up to $40.00
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required




Intro APR Period: N/A
Purchase APR Rate: 29.99%
Annual Fee: See Terms
Credit Needed: Fair/Poor/Bad
Late Payment Fee: Up to $40.00
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required




Purchase APR Rate: 24.9%
Annual Fee: $59-$99
Credit Needed: Poor to Good
  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus




Purchase APR Rate: 29.99%
Annual Fee: See website for Details*
Credit Needed: Poor/Damaged Credit
Late Payment Fee: Up to $38
  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All Three Major Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing




Purchase APR Rate: See website for Details*
Credit Needed: Poor to Good
Credit Line: Up to $2,500
  • Get up $2,500 of credit to shop Zebit.
  • No membership fees. No FICO score pulled. Easy and secure online application.
  • Buy now and pay over time for electronics, furniture, appliances, toys, jewelry, apparel, eGift cards and more.
  • Shop name brands including Apple, Nintendo, Samsung, LG, Fitbit, and more.

“Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.”