View the Best Credit Cards for Bad Credit at BestCards.com

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Best Benefits

Great for demonstrating responsible use of credit
Short and easy-to-complete pre-qualification form
24/7 mobile account access
Choose your card design free of charge

Rates & Fees

Regular Purchase APR: 24.9%
Cash Advance APR: 29.9%
Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction.
Penalty APR: 29.9%
Annual Fee: $0 to $99 depending on the card issued
Foreign Transaction Fee: 1% of each transaction
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Over Limit Penalty Fee: Up to $40

Best Benefits

Choose your custom card design
Free 24/7 online account access
Quick pre-qualification with no impact to credit score
Mastercard® Gold Benefits

Rates & Fees

Regular Purchase APR: 24.9%
Cash Advance APR: 29.9%
Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
Penalty APR: 29.9%
Annual Fee: $35 to $99
Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Over Limit Penalty Fee: Up to $40

Best Benefits

Reporting monthly to all three major credit reporting agencies
All credit histories considered for this no security deposit credit card
Perfect credit not required for approval; we may approve you when others won't
Easy and secure online application
Get the security and convenience of a full-featured, unsecured Visa® credit card - accepted at millions of merchant and ATM locations nationwide and online

Rates & Fees

Regular Purchase APR: See Terms*
Cash Advance APR: See Terms*
Cash Advance Transaction Fee: See Terms*
Annual Fee: See Terms*
Late Payment Penalty Fee: See Terms*
Return Payment Penalty Fee: See Terms*

Best Benefits

Quarterly FICO® score is provided free of charge with monthly billing statement
Ideal for consumers with less than perfect credit
Free online account access
Forget about late fees by enrolling in PREMIER Auto Pay

Rates & Fees

Regular Purchase APR: 36%
Cash Advance APR: 36%
Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Best Benefits

Ideal for establishing or building a strong credit history
Good credit or a bank account is not required to apply for a card
Enjoy the convenience of making security deposits at retail stores
Use your card everywhere Visa is accepted

Rates & Fees

Regular Purchase APR: 19.99%
Cash Advance APR: 19.99%
Cash Advance Transaction Fee: Either $5 or 5% of the amount of each transaction, whichever is greater
Annual Fee: $39
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $27
Return Payment Penalty Fee: Up to $27
Minimum Deposit Required: $200
Credit Needed: $200

Best Benefits

Requires minimum $300 deposit (refundable)
Free access to monthly updated FICO® Score
Digital wallet compatible
No annual fee
Overdraft protection

Rates & Fees

Regular Purchase APR: 24.49% variable based on the Prime Rate
Balance Transfer APR: 24.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $28
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Card activity is shared with major credit bureaus to help build credit history
Your security deposit is equal to your credit line – if you deposit $300, your credit line is $300
Available to both U.S. citizens, permanent residents, and nonresident aliens
Sort your monthly expenses against your budget with free access to budgeting and tracking tools: My Spending Report and Budget Watch through My Money Map

Rates & Fees

Regular Purchase APR: 20.49% variable based on the Prime Rate
Balance Transfer APR: 20.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 25.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Annual Fee: $25
Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $37
Minimum Deposit Required: $300
Credit Needed: $300

August 29, 2018

Wells Fargo Cash Back College Card

0% Intro APR + up to 3% Cash Rewards

Compare Card

Regular Purchase APR 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.49% variable based on the Prime Rate
Annual Fee None
Credit Needed Fair , Poor , No Credit Required
Intro Purchase APR 0% for 6 months.
Processing Network Visa

Read Review Visit Card Site Terms & Conditions

Best Benefits

0% introductory APR for 6 months on purchases and balance transfers
3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
Build credit history while you’re in college
Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®

Rates & Fees

Intro Purchase APR: 0% for 6 months.
Regular Purchase APR: 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
Balance Transfer APR: 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 25.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $37

Best Benefits

Zero Fraud Liability - You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is ever lost or stolen
Fraud Protection – detects and notifies you of any unusual card activity to help prevent fraud
Auto Rental Insurance - It's yours automatically - at no extra cost - when you charge your entire car rental on your U.S. Bank Secured Visa Card and decline the rental company's collision damage waiver option. Coverage on a 24-hour basis for damage due to collision or theft
FlexControl™ - U.S. Bank offers this online tool that can help you avoid interest and late fees with automatic payments that put you in control. It can also help you pay down a balance faster

Rates & Fees

Regular Purchase APR: 19.99% variable based on the Prime Rate
Balance Transfer APR: 19.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
Annual Fee: $29
Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $35

Best Benefits

5,000 SKYPASS bonus miles after your first purchase
1,000 Bonus miles at renewal
Earn 1 mile for every $1 you spend in eligible net purchases
$250,000 in Travel Accident Insurance

Rates & Fees

Regular Purchase APR: 17.24% variable based on the Prime Rate
Balance Transfer APR: 17.24% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance APR: 20.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater
Annual Fee: $50
Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Get 1 LATAM Pass Point for every eligible net $1 you spend
Receive 10% discount on first LATAM Airlines purchase (up to $500) one time per year
Earn 5,000 bonus points after your first card use
No cap on points earned

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Balance Transfer APR: 23.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Annual Fee: $0 for the first 12 months. After that, $25
Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Get Double Miles on Gas & Groceries
Earn One Mile per $1 spent on eligible net purchases
Receive 3,500 First Use Bonus Miles plus Complimentary Companion Certificate
Enjoy a $99 Companion Certificate with renewal

Rates & Fees

Regular Purchase APR: 24.99% variable based on the Prime Rate
Balance Transfer APR: 24.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance APR: 26.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater
Annual Fee: $25
Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide

Rates & Fees

Regular Purchase APR: 26.99% variable based on the Prime Rate
Balance Transfer APR: 26.99% variable based on the Prime Rate
Cash Advance APR: 26.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $39
Minimum Deposit Required: $49, $99, or $200 based on your creditworthiness
Credit Needed: $49, $99, or $200 based on your creditworthiness

Best Benefits

2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases
Discover automatically matches all the cash back you've earned at the end of your first year
Easily view your FICO® Credit Score on monthly statements, mobile and online for free
Automatic account reviews begin after 8 months of use to see if cardholders can transition to an unsecured line of credit and have their deposit returned
No annual fee

Rates & Fees

Regular Purchase APR: 24.49% variable based on the Prime Rate
Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers that post by June 10, 2020
Balance Transfer APR: 24.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: 3% of the amount for each transfer that posts at the promotional rate. After that, 5% of the amount of each transfer
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Minimum Deposit Required: $200
Credit Needed: $200

Best Benefits

Enjoy extended warranty coverage, auto rental collision damage waiver coverage, and zero fraud liability
Credit limit of up to $5,000
Carry a balance while earning interest on your secured savings account
Travel assistance comes to the rescue when unfortunate events happen

Rates & Fees

Regular Purchase APR: 22.49% variable based on the Prime Rate
Balance Transfer APR: 22.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $35
Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Get 3% cash back on gas, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases
Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
Enjoy flexible rewards you can use for cash back, statement credit, gift cards and more
Get customizable card control features in U by BB&T®

Rates & Fees

Regular Purchase APR: 20.74% variable based on the Prime Rate
Balance Transfer APR: 20.74% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 23.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $19
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $38

Best Benefits

Build your credit as you pay for your purchases
Earn cash back with BB&T Deals
Earn interest on your security deposit in a BB&T Secured Credit Card Savings account
Visa® Zero Liability unauthorized purchase protection

Rates & Fees

Regular Purchase APR: 18.74% variable based on the Prime Rate
Balance Transfer APR: 18.74%variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 23.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Annual Fee: $19
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $38
Minimum Deposit Required: $400
Credit Needed: $400

Best Benefits

Build or repair your credit and earn cash back on everyday purchases
Earn 3% Cash Back on dining purchases
Earn 2% Cash Back at grocery stores
Earn 1% Cash Back on other eligible purchases

Rates & Fees

Regular Purchase APR: 24.49% variable based on the Prime Rate
Balance Transfer APR: 24.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR: 26.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Annual Fee: $29
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $37
Minimum Deposit Required: $500
Credit Needed: $500

Best Benefits

Secured by a Regions Explore Card savings account, this can help build credit history with responsible use
Gain access to Purchase Security and Warranty Manager benefits
Use with Google Pay™, Apple Pay® and Samsung Pay

Rates & Fees

Regular Purchase APR: 24.49% variable based on the Prime Rate
Balance Transfer APR: 24.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $29
Late Payment Penalty Fee: Up to $39
Minimum Deposit Required: $250
Credit Needed: $250

Best Benefits

Establish your personal and business credit history with responsible use
Chip security included
24/7 online account access
Easily set spending limits and establish alerts

Rates & Fees

Regular Purchase APR: 15.49% variable based on the Prime Rate
Balance Transfer APR: 15.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.75% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
Annual Fee: $30
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Late Payment Penalty Fee: $35
Return Payment Penalty Fee: $35
Over Limit Penalty Fee: $35
Minimum Deposit Required: Disclosed after account opening
Credit Needed: Disclosed after account opening

Best Benefits

Get started on setting up or repairing your credit history with this card
Free access to your FICO® Score
Chip security included
Receive supplemental coverage for damage and theft for your phone when you pay your mobile bill with the Union Bank Secured Visa® Credit Card

Rates & Fees

Regular Purchase APR: 20.49% variable based on the Prime Rate
Balance Transfer APR: 20.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.75% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
Annual Fee: $25
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: Disclosed after account opening
Credit Needed: Disclosed after account opening

Best Benefits

No annual fee
This card reports your history to credit bureaus
Account is reviewed twice a year to determine if you're eligible for an unsecured credit card
Temporary lock feature allows you to freeze card activity if you misplace it

Rates & Fees

Regular Purchase APR: 24.49% variable based on the Prime Rate
Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $39
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Designed for people who need to build or improve their credit history
Credit line can be increased anytime with deposits to savings account
Acceptance at over 28 million locations worldwide that accept Visa®
Competitive APR on purchases

Rates & Fees

Regular Purchase APR: 23.74% variable based on the Prime Rate
Balance Transfer APR: 23.74% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 32.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $40
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $27
Minimum Deposit Required: $500
Credit Needed: $500

Best Benefits

3X points at office supply stores
2X points at gas stations and restaurants
1X point for every $1 in purchases
Free employee cards
Annual fee is waived the first year

Rates & Fees

Regular Purchase APR: 17.74% variable based on the Prime Rate
Balance Transfer APR: 17.74% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Penalty APR: 28.74% variable based on the Prime Rate
Annual Fee: $0 for the first year. After that, $40
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $49
Return Payment Penalty Fee: $25
Over Limit Penalty Fee: $39
Minimum Deposit Required: $500
Credit Needed: $500

June 13, 2019

Bank of Missouri Visa® College Real Rewards Card

Earn 2,500 Bonus Rewards Points

Compare Card

Regular Purchase APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.49% variable based on the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site Terms & Conditions

Best Benefits

Earn 1.5x rewards per dollar spent on eligible purchases
2,500 bonus rewards points after first purchase – equal to $25
No annual fee
$0 fraud liability

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months on transfers made within 186 days from account opening date
Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 2% of the transaction amount or foreign ATM advance transaction in U.S. dollars. 3% of the transaction amount or foreign ATM advance transaction in a foreign currency
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $35

Best Benefits

No credit history or minimum credit score needed to qualify
Credit limit is set by the amount deposited into an interest-earning savings account
$25 annual fee
Ability to help build credit with on-time payments

Rates & Fees

Regular Purchase APR: 22.49% variable based on the Prime Rate
Balance Transfer APR: 22.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $25
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $38
Return Payment Penalty Fee: Up to $38
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Earn 2% cash back on up to $6,000 spent annually on gas and groceries
Earn 1% unlimited cash back on all other qualifying purchases
Earn interest on your security deposit while you build your credit
Get set up with SunTrust Loyalty Cash Bonuses

Rates & Fees

Regular Purchase APR: 21.49% variable based on the Prime Rate
Balance Transfer APR: 21.49% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate%
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $32
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Perfect for companies with little or no credit history
No foreign transaction fees
Up to 10 employee cards
Earn 1 point on every $1 spent
Receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period

Rates & Fees

Regular Purchase APR: 16.65% variable based on the Prime Rate
Balance Transfer APR: 16.65% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $25 per card
Late Payment Penalty Fee: Up to $50
Return Payment Penalty Fee: $29
Minimum Deposit Required: $500
Credit Needed: $500

Best Benefits

Accept Card Payments With ProPay®
Earn rebates with Mastercard Easy Savings®
Easily manage employee spending
Separate business expenses from personal expenses
No minimum balance

Rates & Fees

Annual Fee: $119.40 ($9.95 per month)
Foreign Transaction Fee: 3.5% of the transaction

June 26, 2019

Sallie Mae Ignite Card

Students Can Earn Cash Back Rewards

Compare Card

Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26.49% variable based on the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Mastercard

Read Review Visit Card Site Terms & Conditions

Best Benefits

No annual fee
Earn unlimited 1% cash back on every purchase, every day
Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
0% introductory APR on purchases for 6 months from account opening

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

June 26, 2019

Sallie Mae Accelerate Card

Get Rewards for Paying Student Loan Debt

Compare Card

Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26.49% variable based on the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Mastercard

Read Review Visit Card Site Terms & Conditions

Best Benefits

No annual fee
Earn unlimited 1.25% cash back on every purchase, every day
Earn a 25% bonus on any cash back rewards used to pay down student loans
0% introductory APR on purchases for 12 months from account opening

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to $39
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

June 26, 2019

Sallie Mae Evolve Card

0% Intro APR for 12 Months

Compare Card

Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 26.49% variable based on the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Mastercard

Read Review Visit Card Site Terms & Conditions

Best Benefits

Earn unlimited 1.25% cash back on every purchase, every day
Earn a 25% bonus on cash back rewards earned from your top two purchase categories each month
No annual fee
0% introductory APR on purchases for 12 months from account opening

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 26.49% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Best Benefits

No annual fee
3% cash rebate on gas, grocery, and restaurant purchases
1% cash rebate on all other purchases
Up to $2,000 credit limit

Rates & Fees

Regular Purchase APR: 15.29% based on the Prime Rate
Balance Transfer APR: 15.29% based on the Prime Rate
Cash Advance APR: 15.29%, based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $15
Return Payment Penalty Fee: Up to $25

Best Benefits

No annual fee
Funds used for deposit will earn dividends
Credit limit: $250 to $3000
Low APR

Rates & Fees

Regular Purchase APR: 15.29% based on the Prime Rate
Balance Transfer APR: 15.29%, based on the Prime Rate
Cash Advance APR: 15.29%, based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $15
Return Payment Penalty Fee: Up to $25
Minimum Deposit Required: $250
Credit Needed: $250

August 01, 2019

State Farm® Student Visa®

Build Credit While Earning Rewards

Compare Card

Regular Purchase APR 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Fair , Poor , No Credit Required
Processing Network Visa

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Best Benefits

No annual fee
Earn 3 points for every $1 spent on insurance premium payments
Earn 1 point for every $2 spent on eligible purchases
Earn rewards while building credit

Rates & Fees

Regular Purchase APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up $38
Return Payment Penalty Fee: Up to $38

Best Benefits

No annual fee
Build credit without any hidden fees
Low fixed APR

Rates & Fees

Regular Purchase APR: 9.0% variable based on the Prime Rate
Balance Transfer APR: 9.0% variable based on the Prime Rate
Cash Advance APR: 9.0% variable based on the Prime Rate
Foreign Transaction Fee: 1% of each transaction in U.S. dollars
Late Payment Penalty Fee: Up to $20
Return Payment Penalty Fee: Up to $25
Minimum Deposit Required: $500
Credit Needed: $500

August 06, 2019

Ocean Bank Platinum Card

Establish Credit With No Annual Fees

Compare Card

Regular Purchase APR 13.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 13.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.25% variable based on the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Mastercard

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Best Benefits

No annual fee
$0 liability for unauthorized purchases
0% introductory APR on purchases and balance transfers for 12 months
Mastercard® Airport Concierge - 15% savings on airport meet and greet services

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 13.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months on transfers made within 12 months from account opening date
Balance Transfer APR: 13.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each transfer, whichever is greater
Cash Advance APR: 23.25% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $37
Return Payment Penalty Fee: Up to $37

August 12, 2019

Bethpage Mastercard® Low Rate Credit Card

Low APR, No Annual Fee, No Balance Transfer Fee

Compare Card

Regular Purchase APR 9.90% to 23.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.90% to 23.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR 9.90% to 23.90% variable based on the Prime Rate
Annual Fee None
Credit Needed Fair , Poor
Intro Purchase APR 2.99% to 4.99% for 12 months from account opening date
Processing Network Mastercard

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Best Benefits

Lowest interest rate of any Bethpage credit card
Introductory APR starting at 2.99% for 12 months
No balance transfer fees
No annual fee

Rates & Fees

Intro Purchase APR: 2.99% to 4.99% for 12 months from account opening date
Regular Purchase APR: 9.90% to 23.90% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 2.99% to 4.99% for 12 months from account opening date
Balance Transfer APR: 9.90% to 23.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 9.90% to 23.90% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Penalty APR: 23.90%
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $25

Best Benefits

No annual fee
No foreign transaction fees
1x points for every dollar spent

Rates & Fees

Regular Purchase APR: 18% variable based on the Prime Rate
Balance Transfer APR: 18% variable based on the Prime Rate
Cash Advance APR: 20% variable based on the Prime Rate
Cash Advance Transaction Fee: NONE
Penalty APR: 18%
Late Payment Penalty Fee: Up to $20
Return Payment Penalty Fee: Up to $20
Minimum Deposit Required: $200
Credit Needed: $200

Best Benefits

No annual fee
No foreign transaction fees
Visa Credit Card benefits and protections

Rates & Fees

Regular Purchase APR: 9.49% variable based on the Prime Rate
Balance Transfer APR: 9.49% variable based on the Prime Rate
Cash Advance APR: 9.49% variable based on the Prime Rate
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $32
Minimum Deposit Required: $500
Credit Needed: $500

August 26, 2019

Pacific Service Secured Visa Platinum Rewards

Rebuild your credit while warning rewards

Compare Card

Regular Purchase APR 8.75 to 13.75% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 8.75% to 13.75% variable based on creditworthiness and the Prime Rate
Cash Advance APR 8.75% to 13.75% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Processing Network Visa

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Best Benefits

Rates & Fees

Regular Purchase APR: 8.75 to 13.75% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 8.75% to 13.75% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 8.75% to 13.75% variable based on creditworthiness and the Prime Rate
Late Payment Penalty Fee: Up to $10
Return Payment Penalty Fee: Up to $25
Minimum Deposit Required: $500
Credit Needed: $500

August 27, 2019

Space Coast Savings-Secured Visa® Credit Card

Establish your credit the secure, easy way

Compare Card

Regular Purchase APR 17.99% variable based on the Prime Rate
Balance Transfer APR 17.99% variable based on the Prime Rate
Cash Advance APR 5.99% for first 6 billing cycles; 17.99% variable based on the Prime Rate after that
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 5.99% for first 6 billing cycles
Processing Network Visa

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Best Benefits

No annual fee
Special Introductory Rate For The First 6 Months
Build credit with responsible use
Visa Zero Liability Protection

Rates & Fees

Intro Purchase APR: 5.99% for first 6 billing cycles
Regular Purchase APR: 17.99% variable based on the Prime Rate
Intro Balance Transfer APR: 5.99% for first 6 billing cycles
Balance Transfer APR: 17.99% variable based on the Prime Rate
Cash Advance APR: 5.99% for first 6 billing cycles; 17.99% variable based on the Prime Rate after that
Foreign Transaction Fee: 1% of the converted transaction amount
Late Payment Penalty Fee: Up to $27
Return Payment Penalty Fee: Up to $27
Minimum Deposit Required: $300
Credit Needed: $300

August 30, 2019

Greylock Federal Credit Union Elevate Secured Card

No Annual Fees While You Build Credit

Compare Card

Regular Purchase APR 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Balance Transfer APR 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Cash Advance APR 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Processing Network Visa

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Best Benefits

Establish or improve your credit
Earn interest on your secured share account
No annual fee
Travel and accident insurance

Rates & Fees

Regular Purchase APR: 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Balance Transfer APR: 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transfer or $5.00 minimum, whichever is greater
Cash Advance APR: 8.75% to 18.00%, based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: 2% (minimum $10, maximum $25)
Foreign Transaction Fee: Up to 1% of the US dollar amount of the foreign transaction
Late Payment Penalty Fee: Up to $27
Return Payment Penalty Fee: Up to $27
Minimum Deposit Required: $250.00
Credit Needed: $250.00

Best Benefits

No annual fee
Earn 1 point for every dollar spent on all other purchases
Earn 1,500 points after first using the card
Double points on every purchase for the first 30 days

Rates & Fees

Regular Purchase APR: 5.25% variable based on the Prime Rate
Balance Transfer APR: 5.25% variable based on the Prime Rate
Cash Advance APR: 5.25% variable based on the Prime Rate
Foreign Transaction Fee: 1% of the transaction in US Dollars
Late Payment Penalty Fee: Up to $20
Return Payment Penalty Fee: Up to $20
Minimum Deposit Required: Varies
Credit Needed: Varies

Best Benefits

Help establish, strengthen or rebuild credit
Help establish, strengthen or rebuild credit
Worldwide acceptance
Earn interst in your security deposit

Rates & Fees

Regular Purchase APR: 19.74% variable based on the Prime Rate
Balance Transfer APR: 19.74% variable based on the Prime Rate
Cash Advance APR: 26.74% variable based on the Prime Rate
Annual Fee: $49
Foreign Transaction Fee: 1% of each transaction in U.S. Dollars; 2% of each transaction made in currencies other than U.S. Dollars
Late Payment Penalty Fee: Up to $15
Return Payment Penalty Fee: $25
Minimum Deposit Required: $400
Credit Needed: $400

Best Benefits

No annual fee
No balance transfer fees
No cash advance fees

Rates & Fees

Regular Purchase APR: 19.49% variable based on the Prime Rate
Balance Transfer APR: 19.49% variable based on the Prime Rate
Cash Advance APR: 19.49% variable based on the Prime Rate
Penalty APR: 26.49%
Foreign Transaction Fee: 1% of each transaction in U.S. Dollars (transactions made in foreign currency) 0.8% of each transaction in U.S. Dollars (transactions made in foreign currency, billed in U.S. Dollars)
Late Payment Penalty Fee: Up to $15
Minimum Deposit Required: $300
Credit Needed: $300

Best Benefits

Choose your own credit line based on how much money you want to put down as a security deposit
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000
After 9 months, we review your account for a credit line increase. No additional deposit required
Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts

Rates & Fees

Regular Purchase APR: 17.45% variable based on the Prime Rate
Cash Advance APR: 22.45% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $36 for the first year. Billed $3 per month thereafter
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39
Over Limit Penalty Fee: $0
Minimum Deposit Required: $200
Credit Needed: $200

Best Benefits

No annual fee, no foreign transaction fees
Automatic credit line increase reviews
Zero Fraud Liability
Online and mobile access, 24/7 U.S. based customer service

Rates & Fees

Regular Purchase APR: 24.99% variable based on the Prime Rate
Balance Transfer APR: 24.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $0 to $39
Late Payment Penalty Fee: Up to $39

Best Benefits

Low, competitive annual fee
Unlimited 2% cash back on gas station, grocery store and drugstore purchases. 1% cash back on all other purchases.
No foreign transaction fees, no over the limit fees, no returned payment fees
Zero Fraud Liability

Rates & Fees

Regular Purchase APR: 24.99% variable based on the Prime Rate
Balance Transfer APR: 24.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Annual Fee: $0 to $39
Late Payment Penalty Fee: Up to $39

October 02, 2019

Clearview Student Platinum Mastercard®

Build Credit as a Student

Compare Card

Regular Purchase APR 10.74% to 18.00% based on creditworthiness and the Prime Rate
Balance Transfer APR 10.74% to 18.00% based on creditworthiness and the Prime Rate
Cash Advance APR 10.74% to 18.00% based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Poor , No Credit Required
Intro Purchase APR 3.99% on balance transfers made within 30 days
Processing Network Mastercard

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Best Benefits

Emergency cash advance and card replacement
Text alerts when the bank detects potentially fraudulent activity on your account
25-day grace period for purchases
No annual fee

Rates & Fees

Intro Purchase APR: 3.99% on balance transfers made within 30 days
Regular Purchase APR: 10.74% to 18.00% based on creditworthiness and the Prime Rate
Balance Transfer APR: 10.74% to 18.00% based on creditworthiness and the Prime Rate
Cash Advance APR: 10.74% to 18.00% based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: 3% of the amount of each cash advance
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35

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