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OpenSky® Plus Secured Visa® Credit Card
OpenSky® Plus Secured Visa® Credit Card
- 29.74% (Variable) Regular Purchase APR
- 29.74% (Variable) Cash Advance APR
At a Glance
Building credit without hidden fees is a breeze with the OpenSky® Plus Secured Visa® Credit Card. You can build credit, graduate to unsecured credit, and boost your financial knowledge base while paying $0 in annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Get considered for an unsecured credit line increase after 6 months - no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score
- Reports to all 3 major credit bureaus monthly to establish and build credit history
- Secure your credit line with a refundable security deposit - as low as $300
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- Regular Purchase APR: 29.74% (Variable)
- Cash Advance APR: 29.74% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $300
- You want a secured credit card but o't want to pay an annual fee
- You have at least $200 available for a security deposit (up to $3,000)
- You are serious about building credit and plan to pay on-time each month
- You want to graduate to unsecured credit
Overstock™ Mastercard®
Overstock™ Mastercard®
- 31.74% variable based on the Prime Rate Regular Purchase APR
- 31.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Overstock™ Mastercard® earns you big rewards at Overstock.com – without the annual fee. The card from Citi Retail Services provides up to 5% back in rewards, special financing on select purchases, and a complimentary Club O Rewards membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back in Club O rewards on overstock purchases
- Earn % back in Club O rewards on apparel & department store purchases
- Earn 2% back in Club O rewards on gas and 1% back on all other purchases
- Complimentary Club O membership (a $19.95/year value)
- Special Financing on eligible Overstock.com purchases
- Regular Purchase APR: 31.74% variable based on the Prime Rate
- Balance Transfer APR: 31.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on your creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently shop at Overstock.com or at apparel stores
- You want special financing on a big project
- You prefer a store-branded credit card vs. a cash back credit card
Orlando Magic Credit Card
Orlando Magic Credit Card
- 23.70% to 29.95% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.70% to 34.95% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Orlando Magic Credit Card is a basic cash back rewards credit card from the NBA’s Orlando Magic and Merrick Bank. The card earns an unlimited 1.5% cash back on all purchases, with special savings on select purchases at the Amway Center.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on all purchases
- Enjoy 10% off at the Magic Team Store in the Amway Center
- Enjoy 10% off select food and drink concessions at Amway Center
- Regular Purchase APR: 23.70% to 29.95% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.70% to 34.95% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of the cash advance, whichever is greater
- Annual Fee: $0 to $48 for the first year, billed $0 to $4 per month thereafter
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $0
- Over Limit Penalty Fee: $0
- You live in or around Orlando, FL
- You love the Magic and attend games often
- You want a basic cash back credit card
Indigo Mastercard
Indigo Mastercard
- 24.90% Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Indigo Mastercard is rapidly becoming recognized as a top credit card option for applicants with less-than-perfect credit. It is a great resource for anyone who wants to establish, build, or repair their credit score. What’s more, benefits of the Indigo Mastercard include quick pre-qualification with no impact on your credit score, 24/7 mobile account access, chip card technology, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 24.90%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (not to exceed $100)
- Penalty APR: 29.9%
- Annual Fee: $0 to $99 depending on the card issued
- 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
- You want to build or repair your credit score with a decent credit line
- You have a history of poor credit and have been declined by other credit card issuers
- You want a credit card whose application will not impact your credit score
- You don’t want a secured credit card or can’t afford a security deposit
- You would like to show some personality with several card designs
- You would like a tool for building credit that is accepted worldwide – anywhere Mastercard is accepted
Milestone Mastercard
Milestone Mastercard
- 24.9% Regular Purchase APR
- 29.9% 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 begin their credit journey with a valuable tool in their wallet. A quick qualification process, free online account access, and Mastercard® benefits – it’s easy to see why this card is a strong option for anyone who is looking to build, or repair, their credit history.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Extended warranty protection
- Fraud liability
- Price protection
- Reports to major credit bureaus
- 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 transactio
- 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
- You have low credit standing or have not yet begun your credit journey
- You wish to build or re-build your poor credit score
- 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
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What Is a Fair Credit Score?
A fair, or average, credit score is one that isn’t good but still qualifies the individual for a wider selection of credit cards than those with bad credit or no credit history at all.
There are different standards of what is an “average” credit score, depending on the scoring model the card issuer uses. The two most popular scoring models are FICO and VantageScore. FICO is the older of the two, while VantageScore is a creation of the three major credit bureaus, designed to offer a different viewpoint to FICO.
FICO is by far the more popular scoring system, with over 90% of lenders preferring the FICO method to gauge an applicant’s creditworthiness. On the FICO scale, a “fair” credit score is between 580 and 669. The FICO system ranges from 300 (no credit/ very poor) to 850 (exceptional). So, everyone wondering if a 600 credit score is average can rest assured, that yes, it is.
VantageScore is similar to FICO but places a larger emphasis on newer credit. Like FICO, VantageScore ranges from 300 to 850, with fair credit ranging from 601 to 660. A 600 credit score with VantageScore, therefore, is “poor.”
Is Fair Credit Bad?
While having an average credit score isn’t the worst, it isn’t good either. People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.
That said, having fair credit isn’t bad either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card. Unlike secured credit cards, which require a deposit, no deposit is required with a traditional credit card.
While a credit score between 600 to 650 is subprime, it isn’t unusual. According to Experian, on the three largest credit bureaus, 17% of Americans have a fair credit score. Additionally, 16% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit. With VantageScore, the average is even higher. Using their scoring method, 38% of Americans have subprime credit, with 13% of those having an average credit score.
Impacts of Fair Credit
The biggest impact of subprime credit is higher interest rates with loans and credit. On average, people with average credit have an APR of almost 10-percentage-points than people with excellent credit:
| Score | APR |
| Excellent Credit | 14.24% |
| Good Credit | 19.24% |
| Average Credit | 24% |
| Bad Credit | 29.74% |
| No Credit | 27% |
But that’s just credit cards. Fair credit (or subprime or near-prime). The differences in loan rates for a near-prime and a deep-subprime credit profile is extreme, as seen below:
| Credit Profile | Avg. Loan APR |
| Super-Prime | 3.65% |
| Prime | 4.68% |
| Near-Prime | 7.65% |
| Subprime | 11.92% |
| Deep-Subprime | 14.39% |
Common Features of Fair Credit Score Cards
Credit cards for average credit scores in the 600s have some common features. These features include:
| ① Annual fees | When it comes to credit cards for average or fair credit scores, expect to pay an annual fee. Fair credit scores are usually the step between secured credit and rewards cards. Outside of proprietary cards from larger banks, expect to pay an annual fee of between $24 and $75 each year. |
| ② Higher APR | People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 20%.Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them. Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit. |
| ③ Lower credit limits | Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit. While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time. |
| ④ Rewards | While not common, there are some quality rewards credit cards for people with a fair credit score. Still, better rewards and welcome bonuses come with goodr or excellent credit. |
Can You Earn Rewards with Average Credit?
Just because you have average credit doesn’t mean you can’t earn rewards. There is plenty of great cash back and rewards credit cards for people with fair credit:
| Card | Rewards | Annual fee |
 Upgrade Cash Rewards Visa® |
Earn 1.5% unlimited cash back on card purchases every time you make a payment | None |
 Upgrade Triple Cash Rewards Visa® |
Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else | None |
 Upgrade Visa® Card with Bitcoin Rewards |
Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases | None |
 Sam’s Club® Mastercard® |
5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%), 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back, 3% cash back on dining and takeout, and 1% on all other purchases. | None |
 Petal 2 Visa® |
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. | None |
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