Credit Cards and Prepaid Cards
Here are all of our current credit cards and prepaid cards. Quickly compare card features, interest rates, annual fees and more to find the card that's right for you.
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| - Convenient 24-hour account access by phone
- The online application is safe, secure, and simple
- Monthly reporting to major Consumer Reporting Agencies
- See
website for terms and conditions
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| See terms | See terms | Poor - Bad No Credit |
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| - Rise above bad credit. Don't let the past stop you. Apply today!
- Access your account by phone at any time, day or night
- Reports monthly to the major Consumer Reporting Agencies
- See
website for terms and conditions
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| See terms | See terms | Poor - Bad No Credit |
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| - Credit card worries? We may have the answer
- Join the 3 million credit cardholders
- Your second chance for a credit card is our business
- See
website for terms and conditions
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| See terms | See terms | Poor - Bad No Credit |
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| - Save up to $230 compared with other prepaid cards
- $0 activation fee. $0 monthly fee with total load of $400 or more
- Free direct deposit from employers or load cash at 60,000 retailers
- Write personal checks, best to pay rent or other bills
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - 100% approval - no credit check required
- Short-term iAdvance Line of Credit - now available!
- No overdraft fees or minimum balances
- Online bill pay - easily send a check to anyone
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards for statement credit, check or gift card
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.9% (V)* | None* | Excellent |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 7.90-24.90% | $35
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$79 | Good - Bad No Credit |
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| - Up to 5% cash back on purchases.
- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24-21.24% | $0 | Excellent |
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| - Guaranteed approval*, no credit or Chexsystemssm checks
- No overdraft fees or minimum balances
- Online bill pay - send checks to anyone
- Free direct deposit & credit builder
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - 0% APR for purchases for 6 months
- No annual or monthly fees
- No credit, income or employment requirements
- Reports to all 3 credit bureaus
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.24% | $0 | Poor - Bad No Credit |
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| - 0% APR on all purchases until December 2010
- Upload a favorite image to create your own card design
- $0 Fraud Liability if your card is lost or stolen
- Extended warranty program
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.90% (V)* | $39* | Fair |
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| - 2 miles per dollar on every purchase, every day
- 10,000 bonus miles when you spend $1,000 in your first 3 months
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | $59; waived for the first year* | Excellent |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free customer service 24/7
- No monthly fees and no hidden fees
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - Express Approval. Get a decision in less than 60 seconds.
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.50% | $150 | Excellent |
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| - No annual fee
- 0% APR until December 2010 on purchases
- Get Platinum Benefits with your card
- $0 Fraud Liability if your card is lost or stolen
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 22.90% (V)* | $0* | Fair |
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| - Acceptance at millions of locations including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 7.90-24.90% | $35
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$79 | Good - Bad No Credit |
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| - Free $0 activation online - with no credit check!
- Free cash withdrawals at over 15,000 participating ATMs
- No monthly fee for any month with at least 30 purchases
- No overdraft or penalty fees. No minimum balance required
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - You establish your credit limit - From $200 minimum up to $5,000!
- Build your credit card limit over time!
- Reports monthly to the major Consumer Reporting Agencies
- See
website for terms and conditions
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| See terms | See terms | Poor - Bad No Credit |
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| - The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping and entertainment rewards.
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $125 | Excellent |
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| - Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners.
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 15.24% | $45 | Excellent |
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| - 1.25 miles for every dollar spent on purchases
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- No blackout dates and no seat restrictions
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.90% (V)* | None* | Good |
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| - 5% APY savings account - exclusive!
- 100% approval - no credit check required
- No overdraft fees or minimum balances
- Online bill pay - easily send a check to anyone
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Bad No Credit |
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| - $25 cash bonus when you use direct deposit
- 100% guaranteed approval*
- Free credit builder and bill pay
- New! Now with the iAdvancesm loan option
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - $25 cash bonus when you use direct deposit
- 100% guaranteed approval*
- Free credit builder and bill pay
- New! Now with the iAdvancesm loan option
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - Earn 1 point for every dollar you spend.
- 0% Intro APR for 6 months on purchases
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24-21.24% | $0 | Excellent |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - ZERO - 0% fixed APR on purchases - no intro rates!
- ZERO - 0% rate won't change - even if you're late!
- ZERO application fees
- ZERO worries - free personal ID theft protection
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 0% on purchases | $0 | Poor - Bad No Credit |
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| - 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Get your cash back whenever you want
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.90% (V)* | $39* | Fair |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99% | $0 | Excellent - Good |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free activation with direct deposit before 4/15/10
- Free direct deposit of tax refunds, anticipation loans and paychecks
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 15.24% | $0 | Excellent |
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| - Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now.
- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds.
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 15.24-19.24% | $0 | Excellent |
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| - Up to 5% cashback bonus.
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 11.99-19.99% | $0 | Excellent |
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| - 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | None* | Excellent |
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| - No annual fee
- 2% cash back on restaurants, entertainment, cell phone bills and books
- 1% cash back on all other purchases
- A smart way to build credit while earning cash back
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 23.9% (V)* | None* | Fair |
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| - Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No annual fee
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 7.25% | $0 | Excellent |
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| - Earn Membership Rewards® points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards.
- Enjoy a low annual fee of just $25 for Basic Card
- Pay no interest - that's because you pay in full each month
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Protect eligible purchases with Purchase Protection and Extended Warranty
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $25 | Excellent |
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| - Get your government/benefits check faster w/ free direct deposit
- Guaranteed approval w/ no credit check!
- Free unlimited purchase transactions
- No overdraft fees or minimum balances, perfect bank alternative!
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This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Good |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Online bill pay, free credit builder, free text alerts
- Free activation with direct deposit before 4/15/10
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel.
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- Events - access to exclusive, once-in-a-lifetime events
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $450 | Excellent |
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| - Up to 5% cashback bonus.
- Make your money worth Moresm*
- Unlimited cash rewards, automatically
- 5% to 20% cashback bonus at top retailers through our exclusive online shopping site
- Turn your cashback bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name partners
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99% | $0 | Excellent - Good |
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| - Up to 5% cashback bonus.
- Make your money worth Moresm*
- Unlimited cash rewards, automatically
- 5% to 20% cashback bonus at top retailers through our exclusive online shopping site
- Turn your cashback bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name partners
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99% | $0 | Excellent - Good |
| | 
| - Up to 5% cashback bonus.
- Make your money worth Moresm*
- Unlimited cash rewards, automatically
- 5% to 20% cashback bonus at top retailers through our exclusive online shopping site
- Turn your cashback bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name partners
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99% | $0 | Excellent - Good |
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| - 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
- 3,500 bonus points after $250 in purchases are made within 3 months of account opening
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening
- 0% APR for 7 months on purchases
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24%(Variable) | $0 | Excellent - Good |
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| - Card to card transfers between RushCard members
- Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
- Free credit builder and account text alerts
- Free direct deposit of tax refunds, anticipation loans and paychecks
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
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N/A
| Excellent - Bad No Credit |
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| - Need your cash fast w/ our free direct deposit get paid faster
- No credit check, no debit, no interest
- Free customer service, that includes live agent and automated service!
- Free unlimited signature and PIN transactions
-
This is a debit card, not a credit card;
read more
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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N/A
| $0 | Excellent - Good |
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| - 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 13.90% (V)* | None* | Excellent |
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| - Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.9% (V)* | None* | Good |
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| - Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
- 0% APR* on purchases for 7 months if you qualify based on your application and credit history*
- Earn 1 ThankYou Point® for every dollar you spend on all other purchases
- Earn up to 2,000 ThankYou Points® twice a year for maintaining a good GPA
- Redeem points for gift cards, travel, electronics, music and more
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 17.24% - 21.24%(Variable) | $0 | Excellent - Good |
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| - Travel rewards - cardholders who enroll in the program receive one point per net dollar spent.
- Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 9.25% | $0 | Excellent |
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| - Over $1.2 million awarded to date.
- Earn entries from everyday shopping for the monthly drawing.*
- Large monthly cash jackpots!
- Get 1,000 entries just for applying!
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99-21.99%(V) | $0
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$59 | Good - Fair |
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| - Apply for a secured credit card and choose your credit limit; Minimum deposit of $200 required
- No credit history required
- Your account activity reports monthly to the major Consumer Reporting Agencies
- See
website for terms and conditions
-
See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| See terms | See terms | Poor - Bad No Credit |
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| - Double Cashback Bonus® on your first $250 in purchases each month at any gas station and any restaurant.
- 5% to 20% Cashback Bonus® through ShopDiscover, our exclusive online shopping mall
- Up to 1% unlimited Cashback Bonus® on all other purchases automatically
- $0 fraud liability guarantee
- No annual fee
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 14.99% | $0 | Excellent - Good |
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| - Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services.
- 0% APR* on purchases for 6 months
- Earn 3 ThankYou Points® for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou Point® for every dollar spent on other purchases
- Additional cards for employees with credit limits you set
- No annual fee
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
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| 16.99%(Variable) | $0 | Excellent |
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| - Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
- Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership
- Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
- No annual fee for your first year, a savings of $175
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See Details
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| Ongoing Apr | Annual Fee | Credit Needed |
|---|
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N/A
| $175 | Excellent |
| | 
| - Pay with Miles - pay for all or part of any Delta flight with your miles.
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Built-in Miles Boost - earn up to 30,000 MQMs and 30,000 bonus miles
- Complimentary Crown Room Club(R) access for you and two guests
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 14.50% | $450 | Excellent |
| | 
| - 10% extra college savings on thousands of eligible grocery and drugstore items.
- 2% extra college savings on eligible gas purchases at Exxon and Mobil locations
- 1% college savings on every purchase
- Get $25 college savings after the first qualified use of your account
- No annual fee†
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 12.99-20.99%* | $0 | Excellent - Good |
| | 
| - Debit card for teens with built-in parental controls
- Free deposits from any credit card or bank account
- Get exclusive discounts at teen's favorite merchants
- No minimum balances, loading fees or credit check
-
This is a debit card, not a credit card;
read more
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
|
N/A
| $50 | Excellent - Bad No Credit |
| | 
| - Double miles on travel and restaurant purchases.
- Double miles on travel and restaurant purchases. One mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- Double miles through our exclusive online shopping site
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 11.99-19.99% | $60 | Excellent |
| | 
| - 5% to 20% Cashback Bonus at top retailers through our online shopping mall.
- Double Cashback Bonus® at any gas station and any restaurant
- Up to 1% unlimited Cashback Bonus® at top retailers through our online shopping mall
- Redeem for Partner gift cards, merchandise, Discover® gift cards, credit to your Discover® card account or an electronic deposit to your bank account
- Turn your Cashback Bonus® into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 11.99-19.99% | $0 | Excellent |
| | 
| - 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site.
- Pay-On-Time Bonus equal to a full month's interest every time you make 6 on-time payments in a row
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 11.99-19.99% | $0 | Excellent |
| | 
| - Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases.
- Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards or cash
- Double Miles through our exclusive online shopping site
-
See Details
| |
| |
| Ongoing Apr | Annual Fee | Credit Needed |
|---|
| 11.99-19.99% | $0 | Excellent |
The Pros and Cons of Prepaid Cards
Prepaid cards offer the convenience of a credit card without the
difficult approval process or risk of getting into debt. These cards
work a lot like a gift card, you will have to load the account with cash
(direct deposit is usually available) before you can use it for a
purchase
Prepaid cards are not credit cards; you cannot spend more than the
balance you have deposited and you will not be charged interest for your
spending. The prepaid account will not be reported to the credit
bureaus as a credit card.
Pros:
- Easy approval process, no credit required
- The same fraud liability protections as a standard credit card
- Easy to use for online or phone purchases
- Access cash from ATM machines
- Less expensive than check cashing services
Cons:
- Expensive fees for opening and maintaining the account
- Fees for loading money on the account or using the card for
purchases
- Very limited, if any, reporting to the credit bureaus
- Does not help improve your credit the same way a credit card
or secured card would
- Much more expensive than opening a checking account and using
an ATM card
Fees and charges can vary significantly between different prepaid credit
card offers. Be sure to read the fee schedule for the prepaid credit
card before you apply.
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