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Some Great Web Sites

Balance Transfer .com is a web site that lists various money saving credit cards. You can compare "balance transfer" and low APR credit cards on the site. Nice!

This web site lists all American credit cards including low interest rate credit cards, student credit cards, even business credit cards for corporations, etc.
   
 

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.


Capital One® Standard Platinum
  Apply to Capital One® Standard Platinum Great choice if you carry a balance short-term.
  • Buy what you've been dreaming of and pay no interest until February 2009 on purchases
  • Save with 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
  • Know you are protected with $0 fraud liability if your card is ever lost or stolen

    *See website for Disclosures.
Annual Fee: None

I would like to see more info about this offer

Apply for Capital One® Standard Platinum

USA Gold Optimum
  Apply to 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

I would like to see more info about this offer

Apply for USA Gold Optimum

First PREMIER Bank MasterCard®
  Apply to First PREMIER Bank MasterCard® Apply for a Credit Card with Less than Perfect Credit!
  • Monthly reporting to 4 major credit bureaus.
  • Low APR on purchases.
  • Quality Customer Service.
  • 24-Hour Account Access by Phone

    See Rates, Fees & Terms for current information.
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*

I would like to see more info about this offer

Apply for First PREMIER MasterCard®

USA Classic - FreeCreditClub.com
  Apply to 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

Capital One® No Hassle CashSM Rewards - Average Credit
  Apply to Capital One® No Hassle Cash Rewards - Average Credit A Cash Back card for people New to Credit.
  • Get a 25% annual bonus on the cash you earn during the year*
  • 1% cash back on every purchase
  • Buy what you've been dreaming of and pay no interest until February 2009
  • There's no limit to the cash back you can earn, and your cash rewards won't expire
  • Redeem cash whenever you want

    *See website for Disclosures.
Annual Fee: $29.00

I would like to see more info about this offer

Apply for Capital One® Cash Rewards

Orchard Bank Classic MasterCard®
  Apply to Orchard Bank Classic MasterCard® If you do not qualify for the Classic card, you will be offered Secured card!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment

    View the Credit Terms & Conditions.
Total Initial Charge: $49.00
Annual Fee: $49.00

I would like to see more info about this offer

Apply for Orchard Classic MasterCard®

Total Visa® Card
  Apply to Total Visa® Card The VISA Card for people with "less than perfect" credit.
  • Instant On-Line Decision
  • Free 24 hour Online Account Access
  • Monthly Reporting to All Major Credit Bureaus
  • Fraud Protection
  • Outstanding Customer Service

    See Rates, Fees & Other Costs.
Total Initial Charge: $200.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)

I would like to see more info about this offer

Apply for Total Visa® Card

UltraVX Visa®
  Apply to 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

I would like to see more info about this offer

Apply for UltraVX Visa®

Centennial® MasterCard®/Visa®
  Apply to Centennial® MasterCard®/Visa® Reports monthly to 4 Major Credit Bureaus!
  • Low APR on purchases
  • Credit decisions in less than 60 seconds
  • A Credit Card for Those with Less than Perfect Credit
  • Quality Customer Service
  • Accepted where you see the MasterCard®/Visa® logo
  • Over 3 million credit card holders
  • Choice of MasterCard® or Visa®
  • Enjoy the benefit of 24-hour phone account access
  • Get access to online credit education
  • Monthly credit bureau reporting

    *See Rates, Fees & Terms for current information.
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*

I would like to see more info about this offer

Apply for Centennial® MasterCard®/Visa®

First PREMIER Bank Platinum Credit Card
  Apply to First PREMIER Bank Platinum Credit Card Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
  • Monthly reporting to 4 major credit bureaus.
  • Low APR on purchases.
  • Quality Customer Service.
  • All applications accepted!
  • All credit types welcome to apply!

    See Rates, Fees & Terms for current information.
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*

I would like to see more info about this offer

Apply for FP Bank Platinum Credit Card

New Millennium Bank Platinum Visa® or MasterCard®
  Apply to 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

I would like to see more info about this offer

Apply for NMB Secured Platinum Card

First PREMIER Bank Secured MasterCard®
  Apply to First PREMIER Bank Secured MasterCard® A MasterCard® Credit Card for Those with Less than Perfect Credit!
  • Reports monthly to 4 Major Credit Bureaus
  • Quality Customer Service
  • Accepted where you see the MasterCard® logo
  • Over 3 million credit card holders
  • Enjoy the benefit of 24-hour phone account access

    *See Rates, Fees & Terms for current information.
Total Initial Charge: $200 minimum deposit*
Annual Fee: $69.00*

I would like to see more info about this offer

Apply for FP Bank Secured MasterCard®

Centennial® Gold MasterCard®/Visa®
  Apply to Centennial® Gold MasterCard®/Visa® Your Chance to Apply for the Prestige of GOLD!
  • Reports monthly to 4 Major Credit Bureaus
  • Low APR on purchases
  • Get the prestige of a GOLD MasterCard®/Visa®
  • All applications accepted
  • All credit types welcome to apply
  • $50 Credit Limit Increase by Making your first 2 Minimum Payments!

    *See Rates, Fees & Terms for current information.
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*

I would like to see more info about this offer

Apply for Centennial® Gold Cards

Continental Finance MasterCard®
  Apply to Continental Finance MasterCard® Get a second chance with Continental Finance!
  • Get Your Application Results in Seconds
  • Monthly reporting to the Major Credit Bureaus
  • Free Online Access
  • Excellent Online Tools for Managing Your Finances
  • Semi-Annual Credit Limit Increases*
  • No Minimum Monthly Income Requirements
  • Unsecured MasterCard Accepted at Millions of Locations Worldwide

    *See website for other fees, rates, and terms and conditions.
Total Initial Charge: $250.00
Annual Fee: $50.00
Monthly Fee: $12.00

I would like to see more info about this offer

Apply for Continental Finance MasterCard

Continental Finance Gold MasterCard®
  Apply to Continental Finance Gold MasterCard® Get a second chance with rates as low as 9.75% APR*!
  • Rates as low as 9.75% APR*
  • Unsecured MasterCard Accepted at Millions of Locations Worldwide
  • Monthly reporting to the Major Credit Bureaus
  • Free Online Access
  • Excellent Online Tools for Managing Your Finances
  • Semi-Annual Credit Limit Increases*
  • Prestige of carrying a Gold card

    *See website forTerms and Conditions.
Total Initial Charge: $225.00
Annual Fee: $25.00
Monthly Fee: $12.00

I would like to see more info about this offer

Apply for Continental Finance Gold MC

Rewards 660 Visa® Card
  Apply to Rewards 660 Visa® Card Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
  • Initial payment of $40 required before account can be used
  • Proof of minimum $1,000 gross monthly income required to be approved
  • $300 Starting Credit Limit
  • No Fee Credit Limit Increases
  • $75 Increments

    *See Rates, Fees & Terms.
Total Initial Charge: $250.00*
Annual Fee: $48.00
Monthly Fee: $15.00 (monthly participation fee)

I would like to see more info about this offer

Apply for Rewards 660 Visa® Card

Tribute® Gold MasterCard® Credit Card
  Apply to 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*

I would like to see more info about this offer

Apply for Tribute® Gold MasterCard® Card

BuyRIGHT Prepaid MasterCard®
  Apply to 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

I would like to see more info about this offer

Apply for BuyRIGHT Prepaid MasterCard®

All-Access® Visa® Prepaid Card
  Apply to 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

First PREMIER Bank Gold MasterCard®
  Apply to First PREMIER Bank Gold MasterCard® Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
  • Quality Customer Service
  • Low APR on purchases
  • Instant credit decisions
  • Gold Card Prestige
  • Reports monthly to 4 Major Credit Bureaus
  • Accepted where you see the MasterCard logo
  • Over 3 million credit card holders

    See Rates, Fees & Terms for current information.
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*

I would like to see more info about this offer

Apply for FP Bank Gold MasterCard®


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.
Poor Credit

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