**Recommended credit
Chime
- To apply for Chime Card™, you must have an active Chime® Checking Account.
- No annual fee. No minimum security deposit*. No credit check to apply***
- 1.5% cash back¹ on rotating categories with Chime+ status²
- The perks of credit building meet the best of banking
- ¹With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases
- ²To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
- *Money added to Chime Card™ will be held in a secured account as collateral for your Chime Card™, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- **On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
- ***Out-of-network ATM withdrawal fees may apply.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Card™ is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
None***
Ongoing APR
None***
Balance transfer
None
**Recommended credit
Fair-Poor
Merit Platinum
Merit Platinum Card
- $750 line of credit*
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- *$750 Limit (Usable only at TheHorizonOutlet.com)
**Recommended credit:
Fair-Poor
Annual fee
See Website for Details
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Current
Current Build Visa® Credit Card
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
**Recommended credit:
Fair-Poor-Bad
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Poor-Bad-No Credit
Group One Platinum
Group One Platinum
- $750 Line of Credit*
- Fast and Easy Application
- Bad Credit, No Credit? No Problem!
- 0% APR
- No Employment or Credit Check
- *$750 Limit (Usable only at TheHorizonOutlet.com)
**Recommended credit:
Poor-Bad-No Credit
Annual fee
See Terms
Intro APR
N/A
Ongoing APR
See Terms
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
- 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 Surge Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
**Recommended credit
Fair-Bad
PREMIER Bankcard®
PREMIER Bankcard® Mastercard® Credit Card
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
**Recommended credit:
Fair-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
- Combined Credit Builder Account and secured card products to help you build credit
- No credit check. No credit history required.
- Start with a Credit Builder Account that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you.
- To qualify for a secured card, have $100 or more in savings progress and add/update your income and expenses.
- Your savings progress from your Credit Builder Account acts as your refundable security deposit.
- Use your card anywhere Visa is accepted in the U.S.
- Stay on track with credit utilization monitoring, auto pay, account reminders, a mobile app, and dedicated customer support.
- Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change
- $0 annual fee for the first year only, for new customers only, $25 annual fee thereafter. Variable APR of 27.49%.
- Secured Self Visa® Credit Card issued by Lead Bank, Sunrise Banks, N.A.,First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval.
**Recommended credit:
Poor-No Credit
Annual fee
$0 intro annual fee for the first year; $25 thereafter
Intro APR
N/A
Ongoing APR
27.49% This APR will vary with the market based on the Prime Rate
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Fit Card
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card that requires No Security Deposit
- With responsible card use, you may be able to rebuild or improve your credit
- 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad-No Credit
- Start with a $200 refundable security deposit, and grow your limit up to $3,000
- No credit check required to apply — apply with confidence and start building credit today
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$35
Intro APR
N/A
Ongoing APR
23.89% (variable)
Balance transfer
N/A
**Recommended credit
N/A
NetSpend
NetSpend® Visa® Prepaid Card
- With Direct Deposit, you can get paid faster than a paper check.
- No late fees or interest charges because this is not a credit card.
- Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
- Card use is subject to activation and ID verification. Terms and Costs apply.
- Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
- See additional NetSpend® Prepaid Visa® details.
**Recommended credit:
N/A
Annual fee
N/A
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Reflex Card
Reflex® Platinum Mastercard®
- 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.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
Self Inc
The secured Self Visa® Credit Card
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your VantageScore 3.0 online or in app.
- Use your card anywhere Visa® is accepted -- in the US.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $100).
- Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
- Get help staying on track with Auto Pay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
- *$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
- †The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, N.A., or First Century Bank, N.A., each Member FDIC.
**Recommended credit:
Fair - No Credit
Annual fee
$0 for the first year only. $25 annual fee after.
Intro APR
N/A
Ongoing APR
28.24% Variable APR
Balance transfer
N/A
**Recommended credit
See website for Details*
Merrick Bank
Merrick Bank Secured Credit Card
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
**Recommended credit:
See website for Details*
Annual fee
$36 for first year. Billed $3 per month thereafter
Intro APR
N/A
Ongoing APR
21.95% Variable
Balance transfer
N/A
**Recommended credit
Good - Bad
Revenued
Revenued Business Card
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
- No origination fees, maintenance fees, or draw fees
- Access cash on demand with funds deposited straight into your bank account via the Flex Line
- Approvals based on your business revenue and not personal credit
- As your revenue increases, your spending limit increases
- 24/7 access to business funding - via mobile app and Visa business card
- Rated Excellent on Trustpilot with 800+ reviews
**Recommended credit:
Good - Bad
Annual fee
$0
Intro APR
N/A
Ongoing APR
Factor based
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad-No Credit
- Get more spending power with a refundable security deposit — start with as little as $300 and apply to increase your limit, up to $3,000
- No credit check required to apply — earn up to 10% cash back on purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
**Recommended credit:
Fair-Poor-Bad
Annual fee
Monthly Fee: $0 the first year; $150 annually thereafter (billed $12.50 each month)
Intro APR
N/A
Ongoing APR
35.90%
Balance transfer
N/A
First Progress
First Progress Select Secured Mastercard®
- Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Apply with no impact to your credit!*
- 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.¹
- 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.
- *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Poor-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.49% Variable APR for Purchases
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Freedom Gold
Freedom Gold Card
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit - OK
- See Site for details*
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Website for Details*
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
First Latitude
First Latitude Elite Secured Mastercard®
- Invest Your Refund in Your Future — Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Choose our First Latitude Elite Card for a lower annual APR!
- Choose our First Latitude Elite Card for a lower annual APR!
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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
- *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$29
Intro APR
N/A
Ongoing APR
23.49% (V)
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government). Rates and Fees
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
OneUnited Bank
UNITY® Visa Secured Credit Card - The Comeback Card™
- Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.
**Recommended credit:
Poor-Bad-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.99% (Fixed)
Balance transfer
Intro: 9.95% for 6 months
**Recommended credit
Fair-Poor-Bad-No Credit
- Start building credit with just $100 – secure you line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
NetFirst Platinum
Net First Platinum
- $750 Limit (Usable only at TheHorizonOutlet.com)
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- See Card for Details*
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Website for Details*
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
First Latitude
First Latitude Assent Secured Mastercard®
- Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ — Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Now offering cash back rewards on select purchases & payments!^^
- 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!
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- 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
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (V)
Balance transfer
N/A
**Recommended credit
N/A
Walmart MoneyCard
Walmart MoneyCard®
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
- *Please see site for full terms and conditions.
**Recommended credit:
N/A
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
First Progress
First Progress Prestige Secured Mastercard®
- Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- Apply with no impact to your credit!*
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- 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.
- *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Poor-No Credit
Annual fee
$49
Intro APR
N/A
Ongoing APR
13.49% Variable APR for Purchases
Balance transfer
N/A
**Recommended credit
All Credit Types Considered
GO2bank
GO2bank™
- Overdraft protection up to $300 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
- *Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.
**Recommended credit:
All Credit Types Considered
Annual fee
N/A
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A