Catalog Credit Cards
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Merchandise Cards or Catalog Credit Cards Offer Guaranteed Approval and Huge Credit Limits - NO SECURITY DEPOSIT REQUIRED!

Whether you have bad credit or no credit, it doesn't matter. Catalog cards offer guaranteed approval. You can use these cards only to purchase merchandise within their catalog. The benefits of obtaining catalog cards are:

  • Guaranteed Approval
  • Large unsecured credit lines
  • Help improve or build credit
  • Purchase quality merchandise while building up your credit

If you have been turned down for a loan or credit card because your credit report didn't show any "*comparable credit" then these cards are for you! Catalog cards tend to have credit limits ranging from $5,000 - $10,000.
* when a bank ask for comparable credit they are basically saying that if you want a loan for $5000 you should have had an unsecured loan or credit card for that amount in the past that shows a favorable repayment history.

Catalog Credit Cards

Net First Platinum

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • *See Card for Details

Intro Rate Regular APR Annual Fee Credi Line Credit Needed
N/A 0% APR See website for Details* $500 Limit Damage credit to Fair credit

Horizon Gold - Popular

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

*See Terms & Conditions for Details

Intro Rate Regular APR Annual Fee Credi Line Credit Needed
N/A 0% APR See website for Details* $500 Limit Damage credit to Fair credit

Freedom Gold Card

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
  • *See site for details

Intro Rate Regular APR Annual Fee Credi Line Credit Needed
N/A 0% APR See website for Details* $500 Limit Damage credit to Fair credit


  • FlexShopper is the largest online lease to own marketplace with over 85,000 top brand products.
  • Bad credit? No problem! Shop your favorite products with low weekly payments. 90 days same as cash price.
  • Get up to $2500 instant spending limit.

*See terms and conditions

Unique Platinum

  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!

*See terms and conditions

Intro Rate Regular APR Annual Fee Credi Line Credit Needed
N/A 0%* $19.95* $1,000* Any Credit Welcome

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.

Advice for Applying for a Catalog Credit Card

  • Pick a credit card that matches your needs and budget. Take the time to compare the interest rates, credit limits, fees and charges, payment terms and other conditions imposed on various programs. That way, you will most likely choose a catalog credit card that carries the most reasonable features.

  • If you wish to jumpstart or rebuild your credit history then, you should see to it that you pick a card issuer that will report your credit and payment activities to the major credit bureaus – Experian, TransUnion and Equifax.

  • Pay close attention to the rate of interest, and check whether it is fixed or variable. Always remember that although a variable rate credit card usually comes with a low introductory APR, the rate can suddenly shoot up depending on the changes in the Primary Rate. Hence, it will still be best to lock in an affordable rate on your catalog credit card.

  • Bear in mind that spending beyond your credit limit can cost you great deal of cash in the form of overdraft charges and declined transaction fees. It can also inflict further damage to your credit history. So, try to spend within the limit or cap imposed on your account.

  • Review the fine print of your credit card program before signing your contract. That way, you can understand the terms and conditions that will apply to your catalog credit card and you can avoid having regrets, later on.


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About Us

NHBS Inc has been helping small business obtain secured forms of financing since 1999. We offer specialized equipment leasing programs for start up businesses and businesses facing credit challenges.
  • Equipment Leasing Programs
    We provided equipment leasing in the USA only. Minimum lease amount of $5,000. We do most types of equipment and provide programs to equipment sales people to help them provide financing for their customers [more]
  • New Business Equipment Leasing (Start up Businesses)
    This program requires no time in business. Must types of equipment funded. No vending routes or ATM routes. Minimum lease amount is $5,000. Homebased business o.k. [more]
  • Bad Credit Equipment Leasing
    This program is for people with PAST credit problems. If you are currently going thru problems or your bankruptcy is less than 3 years old. This program is not for you. Must have started to re-establish credit. Minumum lease amount of $5,000. [more]
  • Secured Business Loans
    These programs are secured by some sort of collateral. It can be already owned equipment, a companies accounts recievables, or even their monthly merchant account. Most of these DO NOT require the business owner to have good credit. Since the loan is secured, bad credit can be approved. [more]