THESE CREDIT CARD OFFERS ARE PERFECT FOR PEOPLE WHO NEED TO BUILD OR REBUILD THEIR CREDIT
UNSECURED BAD CREDIT CREDIT CARDS
- 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
- 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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
| Regular APR | Late Payment Fee | Return Payment Fee | Annual Fee | Credit Recommended |
|---|---|---|---|---|
|
35.90% Fixed
|
Up to $41.00
|
Up to $41.00
|
$75 – $125 |
Fair/Poor/
Bad/Limited |
- 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.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- 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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
| Regular APR | Late Payment Fee | Return Payment Fee | Annual Fee | Credit Recommended |
|---|---|---|---|---|
|
35.90% Fixed |
Up to $41.00 |
Up to $41.00
|
$75 – $125 |
See website for Details* |
- Greater access to credit than before – $700 credit limit
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you’ll receive the Mastercard Guide to Benefits that details the complete terms with your card.
| Credit Limit | Regular APR | Annual Fee | Cash Advance Fee | Credit Recommended |
|---|---|---|---|---|
|
$700 |
See terms |
See terms
|
See terms |
Poor |
- Greater access to credit than before – $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Unsecured credit card, no deposit required
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability* for unauthorized use
- Access your account online or from your mobile device 24/7
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you’ll receive the Mastercard Guide to Benefits that details the complete terms with your card.
| Credit Limit | Regular APR | Annual Fee | Cash Advance Fee | Credit Recommended |
|---|---|---|---|---|
|
$700 |
See terms
|
See terms |
See terms
|
Fair/Good |
Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.
STRATEGIES FOR BUILDING CREDIT USING BAD CREDIT CREDIT CARDS
- Request a credit limit increase every 6 months. As long as you have been making on time payments the credit card company should agree to increase your limit. You want to show future creditors that you can handle large lines of credit.
- Add your rent to your credit report. There are companies like RentReporter (add link) that will report your rent on your credit report.
- Ask a friend or family member to add you as an authorized signer to one of their credit cards (something with a high credit limit and on time payments). The good credit history they have built will show up on your credit report.
- Apply for the credit builder account from Fingerhut. It will show up on your credit as a loan, not a credit card. That will add some much needed tradeline diversity.
- Apply only for credit card offers that will report your payments to at least one credit bureau. Ideally, they should submit to all 3. That way, the time, effort, and money you have invested in rebuilding your credit history won’t be in vain.
- Don’t sign up for the first program you will stumble upon. Instead, we suggest you take the time to compare the rates of interest, fees and charges, credit limits and other features imposed on various programs. In so doing, you will most likely end up with a bad credit-credit card that will match your needs, spending habits and of course, your budget.
- Don’t forget to sign up for automatic payment. Even if you just schedule that the minimum payment be made. That way you never make a late payment. If you don’t want to set up automatic payments then sign up for either an email or text alert so that you never miss a payment.
- Don’t max out your credit cards. Make it your goal to pay off your credit cards at the end of the month. Not only will you save money on paying interest payments, but you will avoid accumulating debt. Remember credit card debt is one of the biggest reasons why people are forced to file for bankruptcy.
- To attain your target credit score, use just a reasonable percentage of your credit limit. Use at most 30% of your spending limit or cap to maintain a low debt-to-limit ratio.