Poor Credit Credit Cards

People with poor credit or no credit can choose from a wide variety of solutions to pay with plastic:
If your credit is damaged or never been established, you are unlikely to get approved for a "prime" credit card. Sub-prime credit or debit card solutions are:
UNSECURED CREDIT CARDS: For those with less than perfect but good enough credit to avoid putting down a collateral.
SECURED CREDIT CARDS: Cards that require you to have collateral or money on a (savings) account to cover them.
STORED VALUE CARDS: Plastic card that is issued by a bank usually with card association branding, like Visa® or MasterCard®. You can spend up to the value loaded on the card, and can reload the card at anytime.
CATALOG CREDIT CARDS: They might be a good to build/rebuild your credit.
CHECK CARDS: A check card is like a combined Credit Card with your ATM Card.
DEPARTMENT STORE CREDIT CARDS: Get these cards only from stores you buy your things from anyway.
STUDENT CREDIT CARDS: They are not for people with poor credit but for (college) students who need plastic to pay for their incidentals but have not been able to establish credit yet. Student Credit Cards and Student Loans are good ways to establish a credit history.

USA Gold Optimum

$12,500 Unsecured Gold Merchandise Credit Line

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.

Total Initial Charge: $149.95
Annual Fee: None

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Apply for USA Gold Optimum

	USA Classic - FreeCreditClub.com
	*Establish New Credit and Get Back to Living... Your Membership is Guaranteed** 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. Annual Fee:* None I would like to see more info about this offer Apply for USA Classic

	New Millennium Bank Secured Gold Visa® / Mastercard®
	Credit limits up to $10,000* Approved regardless of credit history or income Credit limits up to $10,000* (with both, Visa® and MasterCard® cards) Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check See Rates, Fees & Other Terms. Total Initial Charge:* $69.95 Annual Fee: $59.00 I would like to see more info about this offer Apply for NMB Secured Gold Card

	NMB Secured Black Diamond Visa® or Mastercard®
	CREDIT BUILDER PROGRAM! Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check See Rates, Fees & Other Terms. Total Initial Charge:* $99.95 Annual Fee: $59.00 I would like to see more info about this offer Apply for NMB Black Diamond Card

UltraVX® Visa®

Now anyone can qualify for a secured credit card with UltraVX® Visa®.

UltraVX® makes it easy to manage your finances
Automatic minimum payments
Reports to all 3 major credit bureaus
No credit check, no bank account required
Instant online approval
Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.

*Subject to terms and conditions.

Total Initial Charge: $29.95
Monthly Fee: $6.95

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Apply for UltraVX® Visa®

New Millennium Bank Platinum Visa® or MasterCard®

NMB has guaranteed your credit approval for up to $10,000* with no credit check!

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.

Total Initial Charge: $99.95
Annual Fee: $59.00

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Apply for NMB Secured Platinum Card

	First Option Visa®
	Get a REAL Visa® Credit Card! Up to $5,000.00 Secured Line of Credit!! Be Approved Regardless of Credit History or Income!!! Guaranteed Approval! Total Initial Charge: $99.95 Annual Fee: $59.00 I would like to see more info about this offer Apply for First Option Visa®

Card Lab Custom Visa Gift Card

The Customized Visa Gift Card

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.

Total Initial Charge: 5.95*

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Apply for Card Lab Custom Visa Gift Card

Wired Plastic™ Visa® Prepaid Card

Guaranteed Approval*. Earn Reward Points on Every Purchase.

Accepted everywhere VISA debit cards are accepted
No Credit Check, Income requirements or bank account required
On Demand Alerts - Manage your account via text messaging
FREE Online Access to Account
FREE Mobile Alerts — Text to your mobile and email
FREE Rewards Program — Earn 1 point for every $1 spent
NO Bounced Check, NSF or Overdraft Charges EVER!
FREE Direct Deposit — Eliminate check cashing fees

*See Terms and Conditions.

Total Initial Charge: $9.95
Annual Fee: None*
Monthly Fee: $3.95

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Apply for Wired Plastic™ Visa® Prepaid Card

	Horizon Gold Credit Card
	*Get your Guaranteed Approval Unsecured Credit Card** Guaranteed Approval! Bad Credit Accepted! No Employment Check! Reports to a Major Bureau! See Complete Terms & Conditions for details. Total Initial Charge:* $35.00 Annual Fee: None Monthly Fee: $6.00 I would like to see more info about this offer Apply for Horizon Gold Credit Card

Bad Credit can be a disadvantage in many ways: Car dealers and most other lenders will charge people with poor credit a high interest rate when financing their car, home or anything else. Even worst, they sometimes turn them down, even when trying to finance simple consumer goods like plasma TVs. Car dealers may charge people with bad credit well over 20% interest, while other people usually pay less than 10%. Most banks run credit checks on new account applications, and if they find people with bad credit, they can be reluctant to open a new checking account for them. In this situation, someone with poor credit needs to work for a better credit score. Perhaps, the best way to do so, is to start with a new credit or stored value card and pay balances and other bills on time. This is where this site can help. Please make your choice from our selection of poor credit credit cards and feel free to apply for the one(s) best meeting your financial needs.