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Milestone® Mastercard®
Milestone® Mastercard®
- See terms Regular Purchase APR
- See terms Cash Advance APR
At a Glance
Designed for folks with less-than-stellar credit (or no credit at all), the Milestone® Mastercard® credit card is issued by the Bank of Missouri. Featuring all the benefits of a Mastercard at no extra cost, it allows customers to access a convenient and valuable tool in their wallet.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
- Regular Purchase APR: See terms
- Cash Advance APR: See terms
- Cash Advance Transaction Fee: See terms
- Penalty APR: See terms
- Annual Fee: See terms
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: See terms
- Return Payment Penalty Fee: See terms
- Over Limit Penalty Fee: See terms
- You have low credit standing or have not yet begun your credit journey
- You want a credit card that reports to the three major credit bureaus
- You prefer the freedom of an unsecured credit card over a secured card
Destiny Mastercard®
Destiny Mastercard®
- See terms Regular Purchase APR
- See terms Cash Advance APR
At a Glance
The Destiny Mastercard is an ideal credit card for those with bad or fair credit who want the purchasing power of Mastercard but without the security deposit requirement of a secured credit card. With a modest annual fee and manageable initial credit limit, the Destiny Card doesn’t care about your credit past – instead, it helps you focus on your everyday expenses.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Regular Purchase APR: See terms
- Cash Advance APR: See terms
- Cash Advance Transaction Fee: See terms
- Annual Fee: See terms
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars
- Late Payment Penalty Fee: See terms
- Return Payment Penalty Fee: See terms
- Over Limit Penalty Fee: See terms
- You have an imperfect credit history, which may include a past bankruptcy
- You have less-than-perfect credit
- You want a Mastercard but don’t want to pay a security deposit
- You want a credit card with the versatility to make foreign purchases
- You plan to pay your statement in full every month
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
Revenued Business Card
Revenued Business Card
- See Terms* Regular Purchase APR
At a Glance
The Revenued Business Card combines the benefits of a business card with a Flex Line of capital. This combination means there are no hard credit checks to apply, with Flex Lines available in as little as 24 hours, with no hidden fees or annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
- Rated Excellent on Trustpilot with 600+ reviews
- Regular Purchase APR: See Terms*
- Foreign Transaction Fee: See Terms
- You have a business with at least $10,000 or more in monthly deposits
- You don’t want to use your personal cards for their business
- You don’t want to pay any annual fees or draw fees
- You're looking for a simple solution to access business credit with a fast and easy application process
Group One Platinum Card
Group One Platinum Card
At a Glance
The Group One Platinum Card is a retail card made for repairing bad credit and is one of the better cards for no credit score at all. It requires no credit check, so you can easily apply no matter what shape your score is in. Moreover, the lack of APRs and a $750 credit limit* makes payments on the card simple and manageable. You can use it to purchase a variety of items through the Horizon Outlet, improve your credit, and access member benefits like legal services and discounts on prescriptions.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $750 credit limit*
- No employment or credit check to apply
- Fast and easy application
- *usable only at theHorizonOutlet.com
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25
- You need a card that doesn’t require a credit or employment check
- You have no credit history or need to build up a poor credit score
- You enjoy the convenience of online shopping and don’t mind paying the monthly membership fee
- You can take advantage of the perks offered with the card, such as legal aid and prescription discounts
Aspire® Cashback Rewards Credit Card
Aspire® Cashback Rewards Credit Card
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
You can earn up to 3% cash back while building credit with The Aspire® Cashback Rewards Credit Card. The card, from the Bank of Missouri, provides unlimited 3% cash back on gas station, grocery store, and utility purchases and 1% back on all other eligible purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
- Earn a 1% Cash Back Reward on all other eligible purchases‡
- Up to $1,000 credit limit subject to credit approval*
- Pre-qualify without affecting your credit score
- No security deposit
- Good anywhere Mastercard® is accepted
- Free access to your credit score †
- $0 fraud liability**
- *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score - provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
- ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
- **Fraud liability subject to Mastercard® rules
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: As low as $85
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to build credit while spending on monthly utilities and purchases
- You want quick pre-qualification to know if you can be approved
- You plan to pay your balance in full every month
- You prefer unsecured credit to a security deposit requirement
First Latitude Select Mastercard® Secured Credit Card
First Latitude Select Mastercard® Secured Credit Card
- 19.24% (Variable) Regular Purchase APR
- 25.24% (Variable) Cash Advance APR
At a Glance
The First Latitude Select Mastercard Secured Credit Card can help you build a positive credit history with financial responsibility and regular payments, all for a $39 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards! • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit. • Build or rebuild your credit!¹ • Accepted wherever Mastercard® is accepted • Reports to all 3 credit bureaus • No minimum credit score required for approval! • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. • *See Important Disclosures for complete offer details
- Regular Purchase APR: 19.24% (Variable)
- Cash Advance APR: 25.24% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $39
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: Minimum refundable deposit of $200.00 up to $2,000.00*
- You have little-to-no credit history and struggle to get approved for other credit cards
- You want to establish a credit history or improve your credit score
- You can submit a minimum of $100 for the security deposit
- You don’t intend to carry a balance from month-to-month
Fortiva® Mastercard® Credit Card with Cashback Rewards
Fortiva® Mastercard® Credit Card with Cashback Rewards
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
Earning up to 3% cash back while building credit is an enticing possibility with The Fortiva® Mastercard® Credit Card with Cashback Rewards. The card, from the Bank of Missouri, earns unlimited 3% cash back on gas, grocery, and utility purchases and 1% back on all other eligible purchases made with the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
- Earn a 1% Cash Back Reward on all other eligible purchases‡
- Up to $1,000 credit limit subject to credit approval*
- Pre-qualify without affecting your credit score
- No security deposit
- Good anywhere Mastercard® is accepted
- Free access to your credit score †
- $0 fraud liability**
- *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score - provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
- ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
- **Fraud liability subject to Mastercard® rules
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever isgreater
- Annual Fee: As low as $85
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to build credit while spending on monthly utilities and purchases
- You plan to pay your balance in full each month
- You want $0 fraud liability protectio
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
- 29.24% variable based on the Prime Rate Regular Purchase APR
- 2924% variable based on the Prime Rate Cash Advance APR
At a Glance
The Assent Platinum 0% Intro Rate Mastercard Secured Card offers a slew of great features not typically found with secured cards. Cardholders enjoy six months of zero interest on purchases with an exceptionally low APR after that. Add to that the features and protections of a full-fledged Mastercard and regular reporting to the major credit bureaus, and you have a versatile tool for building credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Full-Feature Platinum Mastercard* Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
- 24/7 Online Access to Your Account
- Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
- Nationwide program; available in all 50 US states *See Card Terms
- Regular Purchase APR: 29.24% variable based on the Prime Rate
- Cash Advance APR: 2924% 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: $49
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $200
- You have poor credit, limited credit, or no credit history at all
- You want a card that reports to the three major credit bureaus regularly
- You want 24/7 online access to your card account
- You have at least $200 for a refundable deposit
- You want both 0% intro APR on purchases and a great low rate after that
Buy On Trust Lending
Buy On Trust Lending
- See website for Details* Regular Purchase APR
- See website for Details* Balance Transfer APR
At a Glance
The Buy On Trust merchandise credit account is a lease-to-buy program where account holders can buy today and pay later. The company offers major brand names like Apple, LG, Bose, and more – with credit limits of up to $5,000 and flexible repayment schedules.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- With an initial payment of just $50, you can afford to shop from all the top brand names
- Buy On Trust TODAY, Pay LATER
- All The Big Name Brand Laptops, TV's & More
- Up to $5,000 approval
- Regular Purchase APR: See website for Details*
- Balance Transfer APR: See website for Details*
- Penalty APR: See website for Details*
- Annual Fee: See website for Details*
- Late Payment Penalty Fee: See website for Details*
- Return Payment Penalty Fee: See website for Details*
- You have limited credit or no credit history at all
- You want a credit line to purchase brand-name laptops, TVs, and other electronics
- You have an open checking account in good standing
- You live in any U.S. state except MN, NJ, WI, or WY
You've viewed 5 of 122 credit cards
What is a Bad Credit Score?
According to statistics from Experian, one of the major credit bureaus, 16% of Americans suffer from a bad credit score. Bad credit causes serious financial harm, making it tough to get a mortgage, car loan, or the best credit cards.
But what is bad credit, and what causes it?
Bad credit refers to a low credit score resulting from a history of missed payments, late payments, bankruptcy, or other negative financial events. A bad or deep-subprime credit score may also indicate a limited credit history. This credit rating indicates to lenders that you may be a higher-risk borrower, which could lead to difficulty obtaining credit at favorable terms, such as loans, mortgages, or credit cards.
On the FICO Score scale, a bad credit score falls within the range of 300 to 579, while on the VantageScore scale, it ranges from 300 to 499.
How Can Bad Credit Impact Your Life?
Here are some ways bad credit can cause problems in your everyday life.
Renting an Apartment
One of the biggest impacts of a bad credit score is the difficulty in finding an apartment to rent. Renting a home or apartment typically involves a credit check, which helps landlords assess the risk posed by potential tenants. A bad credit score, including a history of late payments, can prevent you from securing a new place to live.
Insurance and Bills
Bad credit also makes it more challenging to pay bills and obtain insurance. Utility companies may be hesitant to accept you as a customer if you have a poor credit score, often requiring a deposit before providing services such as electricity, gas, or water.
Similarly, insurance companies consider your credit when determining your insurance premiums. Bad credit is associated with higher insurance costs, particularly with auto insurance, as insurers believe individuals with lower credit scores are more likely to file claims.
Employment
Statistics show up to 70% of employers conduct credit checks during hiring. Companies use these checks to evaluate potential hires’ responsibility levels. While bad credit doesn’t necessarily indicate unreliability, employers may view it as a red flag and choose another candidate instead.
Relationships
A bad credit score can indirectly create problems in your personal life. The inability to secure a mortgage, rent an apartment, or obtain a car loan can strain family and personal relationships. Constant calls from bill collectors or collection agencies can also cause issues at home.
What Causes Bad Credit?
Bad credit can result from any number of situations and circumstances. The most common cause of a poor credit score is a history of late or missed payments, which reflects poorly on your creditworthiness. Another cause is excessive debt, where your credit utilization ratio is high, indicating that you have borrowed a significant portion of your available credit. Additionally, bankruptcy, foreclosure, and collections can all contribute to bad credit. Understanding these factors is essential so you can effectively address them.
How to Improve Your Credit
Bad credit has serious ramifications in everyday life. Fortunately, there is something you can do – here are some of our top tips for improving your credit score:
① Check your credit score | The first thing you should do is check your credit score to see where you stand. You might already know your credit score is bad, but how far down on the scale, does it go? Knowing how fast you can improve your credit from “bad” to “fair” is crucial to making a financial plan of attack. |
② Get a credit card for subprime credit | Part of boosting your credit score is increasing your use of credit. For those with bad credit, this may seem counter-intuitive. Fortunately, there are many unsecured credit cards for poor credit and secured cards that can help you repair your credit score. |
③ Pay on time each month | As seen in the scoring models, payment history is the biggest factor in your credit score. Because payment history is so important, paying your credit card bill on time each month is essential to boosting sub-prime credit. Missed payments stay on a credit report for seven years. |
④ Keep your credit use low | Credit utilization is as important as paying on time. Credit utilization shows lenders how you use your credit. Those who keep their credit use below 30% can expect their score to improve, while those who use less than 10% can expect a much faster score rise. |
Tips for Managing and Paying Off Debt
Managing and paying off debt is crucial for improving your financial health. Start by creating a realistic budget that allocates funds toward debt repayment. To tackle your debts effectively, consider the snowball or avalanche method.
- Snowball method: Pay off your smallest debt first and then move on to the next, creating a sense of accomplishment and motivation.
- Avalanche method: Prioritize debts with the highest interest rates to save money on interest payments.
Whichever method you choose, allocate as much money as possible towards monthly debt repayment.
Credit Counseling and Debt Consolidation Options
If you find yourself overwhelmed by debt and unable to make progress independently, consider seeking professional help. Credit counseling agencies can provide guidance and support in managing your finances and developing a plan to pay off your debts. They can also negotiate with creditors on your behalf to establish new repayment terms.
Debt consolidation is another option worth exploring. This involves combining multiple debts into one loan or credit card with a lower interest rate, making it easier to manage your payments and save money.
Conclusion
Bad credit can be challenging, but with the right knowledge and strategies, you can rebuild your credit and move towards a brighter financial future. Understanding the causes of bad credit, checking your credit score and report regularly, and implementing practical steps to improve your credit will set you on the path to financial success. Remember, it takes time and discipline, but the effort is worth it.
Check out more
Sub-Prime & Secured Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.