subprime card – CardBenefit

Best Subprime Credit Cards to Build Credit

CardBenefit — Sat, 27 Jul 2024 05:56:43 +0000

How to Build Credit History

Using a subprime credit card can be an effective strategy for rebuilding your credit. You have the option of choosing between an unsecured subprime card or a secured credit card. By using the card responsibly, you’ll establish a positive payment history. Your credit report will reflect the positive impact of this responsible usage, and as your credit improves, you may qualify for traditional credit cards with better terms.

Unsecured Subprime Cards

Unsecured subprime cards don’t require a deposit but may come with higher interest rates and fees. Those with poor or damaged credit and prior bankruptcies may qualify for unsecured subprime cards. After you improve your credit, you may qualify for traditional credit cards. Check out the following unsecured subprime cards:


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Destiny Mastercard^® Hide Benefits Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Get the credit you deserve, even with less-than-perfect history. No security deposit required-get started today! Zero Fraud Liability - Peace of mind that comes with having a Mastercard. '> Show Benefits	35.9% APR	N/A	$175 the first year; $49 thereafter	Poor To GoodApply Now View Card Details
A guaranteed $700 credit limit to help get your financial goals on track, if approved. Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms. Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Get the credit you deserve, even with less-than-perfect history. No security deposit required-get started today! Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Indigo^® Mastercard^® Hide Benefits Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power. '> Show Benefits	35.9% APR	N/A	$175 - $199	Bad / Poor / FairApply Now View Card Details
Get the credit limit you deserve-$1,000 guaranteed if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power.
Reflex^® Platinum Mastercard^® Hide Benefits Show Benefits	35.90% Fixed APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply Now View Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Destiny Mastercard®

Apply Now

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.

Indigo® Mastercard®

Apply Now

Get the credit limit you deserve-$1,000 guaranteed if approved.
Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.

Reflex® Platinum Mastercard®

Apply Now

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score

Secured Credit Cards

Secured Credit Cards require a cash deposit as collateral, which typically becomes your credit limit. They may have low fees and favorable terms. Some of these cards don’t have an annual fee and even give you cash back on your purchases. Check out the following secured credit cards:


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Capital One Quicksilver Secured Cash Rewards Credit Card Hide Benefits Put down a refundable $200 security deposit to get a $200 initial credit line Building your credit? Using a card like this responsibly could help Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone '> Show Benefits	29.74% (Variable) APR rates & fees	29.74% (Variable) APR	$0	Limited, BadApply Now View Card Details
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds Put down a refundable $200 security deposit to get a $200 initial credit line Building your credit? Using a card like this responsibly could help Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone
OpenSky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	28.99% (Variable) APR	N/A	$0	No Credit, Poor, FairApply Now View Card Details
*New feature! Earn up to 10% cash back on everyday purchases** 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 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay 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 Offers 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 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
First Latitude Elite Mastercard^® Secured Credit Card Hide Benefits Show Benefits	24.24% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.† No minimum credit score required for approval! Secure your credit line with a refundable security deposit - as low as $200 to get started! †Cardholders 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
First Progress Platinum Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	18.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.† †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply Now
Rates & Fees

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line

OpenSky® Plus Secured Visa® Credit Card

Apply Now

New feature! Earn up to 10% cash back* on everyday purchases
No annual fee

First Latitude Elite Mastercard® Secured Credit Card

Apply Now

Choose our First Latitude Elite Card for a lower annual APR!
Apply now and fund your security deposit over 90 days with the option to make partial payments.

First Progress Platinum Select Mastercard® Secured Credit Card

Apply Now

Get a First Progress Select Card and Earn 1% Cash Back Rewards!
Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!

Conclusion

Unsecured subprime cards give you immediate access to credit without a deposit, while secured cards are often easier to obtain and come with fewer risks in terms of high fees. Ultimately, both types of cards can help you rebuild your credit. Your credit score will improve as long as you keep making on-time payments.

The post Best Subprime Credit Cards to Build Credit appeared first on CardBenefit.

Indigo® Mastercard®

CardBenefit — Mon, 01 Apr 2024 05:15:47 +0000

Apply Now

Card Issuer: Celtic Bank

Network: Mastercard

Card Category: Bad Credit, Pre-Qualification

Required Credit: Bad / Poor / Fair

Rate this card:

Benefits Summary

Highlights

Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.

Apply Now

Indigo^® Mastercard^®

Get the credit limit you deserve-$1,000 guaranteed if approved.
Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Don't Have Perfect Credit? No Problem!
No security deposit, just purchasing power.

Intro APR: N/A

Intro APR Period: N/A

Purchase APR: 35.9%

Annual Fee: $175 - $199

Featured Credit Cards from Our Partners for Bad Credit, Pre-Qualification

The post Indigo® Mastercard® appeared first on CardBenefit.

First Latitude Assent Mastercard® Secured Credit Card

CardBenefit — Wed, 13 Mar 2024 04:22:09 +0000

Apply Now

Card Issuer: Synovus Bank

Network: Mastercard

Card Category: Bad Credit, Secured Card

Required Credit: Poor / Limited / No

Rate this card:

Benefits Summary

Rewards

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Extra Benefits

This card has no annual fee.

Apply Now

First Latitude Assent Mastercard^® Secured Credit Card

Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time!
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Designed to push you forward on your credit building journey with $0 Annual Fee.
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.†
All credit types welcome to apply!
†Cardholders 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

Intro APR: N/A

Intro APR Period: N/A

Purchase APR: 28.24% (V)

Annual Fee: $0

Featured Credit Cards from Our Partners for Bad Credit, Secured Card

The post First Latitude Assent Mastercard® Secured Credit Card appeared first on CardBenefit.

First Latitude Elite Mastercard® Secured Credit Card

CardBenefit — Wed, 13 Mar 2024 04:22:08 +0000

Apply Now

Card Issuer: Synovus Bank

Network: Mastercard

Card Category: Bad Credit, Secured Card

Required Credit: Poor / Limited / No

Rate this card:

Benefits Summary

Rewards

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Apply Now

First Latitude Elite Mastercard^® Secured Credit Card

Choose our First Latitude Elite Card for a lower annual APR!
Apply now and fund your security deposit over 90 days with the option to make partial payments.
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.†
No minimum credit score required for approval!
Secure your credit line with a refundable security deposit - as low as $200 to get started!
†Cardholders 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

Intro APR: N/A

Intro APR Period: N/A

Purchase APR: 24.24% (V)

Annual Fee: $29.00

Featured Credit Cards from Our Partners for Bad Credit, Secured Card

The post First Latitude Elite Mastercard® Secured Credit Card appeared first on CardBenefit.