**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***
- 2% cash back¹ on rotating categories with Chime Plus™ status²
- The perks of credit building meet the best of banking
- ¹With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases
- ²To be eligible for Chime Plus™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime Plus™ benefits have additional eligibility requirements. While some Chime Plus™ benefits may have associated fees, none of these fees are mandatory to access Chime Plus™ benefits or to maintain Chime+ status. See Chime Plus™ Terms and Conditions for details. Chime Plus™ 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
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
- 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 2 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
Arro
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
**Recommended credit:
Good-Fair-Poor-No Credit
Annual fee
$60* (*discounted in Year 1 for starting credit lines under $300)
Intro APR
N/A
Ongoing APR
24.99% Fixed
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
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
- Start building credit with just $150 – 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 2 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
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
**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
First Progress
First Progress Prestige Secured Mastercard®
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!²
- 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.
- ²We 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
- 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 2 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
First Progress
First Progress Select Secured Mastercard®
- 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!²
- The first step to rebuilding your credit starts with just $200!¹
- 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.
- ²We 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
First Latitude
First Latitude Assent Secured Mastercard®
- Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
- 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.
- ^^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.
- *See Important Disclosures for complete offer details
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (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.
- Monitor your credit score right in the app
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- Get up to 15% Merchant Cashback at 29,000+ partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- 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)
- 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
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
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
First Latitude
First Latitude Elite Secured Mastercard®
- Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- Apply with no impact to your credit!²
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ²We 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.
- *See Important Disclosures for complete offer details
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$29
Intro APR
N/A
Ongoing APR
23.49% (V)
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
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.