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 credit card with UltraVX Visa®.

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

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

Tribute® Gold MasterCard® Credit Card

Bad credit history? This could be the right card for you!

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.

Annual Fee: $150*
Monthly Fee: $6*

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Apply for Tribute® Gold MasterCard® 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®

BuyRIGHT Prepaid MasterCard®

BuyRIGHT is RIGHT for you!

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

Total Initial Charge: $49.95
Monthly Fee: $0-$4.95

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Apply for BuyRIGHT Prepaid MasterCard®

	All-Access® Visa® Prepaid Card
	Choice of Flat-fee or Pay-as-you-go Fee Plans. No upfront costs No hassle Multiple cards Free direct deposit Flexible fee plans* Access to cash See web site for Features & Fees. Total Initial Charge:* $9.95 Annual Fee: $0.00 or $69.95* Monthly Fee: $0 or $9.95* I would like to see more info about this offer Apply for All-Access® Visa® Prepaid Card

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

AccountNow™ Vantage Debit MasterCard®

Get the perfect alternative to a bank account!

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
iAdvance loan option, no credit check needed.*
Reloadable - $10,000 balance limit

*See web site for Features & Fees.

Total Initial Charge: $19.95 (Plus Plan)
Monthly Fee: $4.95 (Plus Plan)

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Apply for AccountNow Debit MasterCard®

Wired Plastic™ Prepaid Visa® Card

Guaranteed Approval*. Earn Reward Points on Every Purchase.

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.

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

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Apply for Wired Plastic™ Prepaid Visa®

Western Union® Prepaid MasterCard®

Credit problem? No problem!

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.

Total Initial Charge: $9.95
Monthly Fee: $4.95

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Apply for Western Union® MasterCard®

	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: $14.95-$20.95 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.