These Credit Card Offers are the Perfect for people who need to build or rebuild their credit

Unsecured Bad Credit Credit Cards

First Access Visa® Card

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Intro Rate Intro Period Regular APR Annual Fee Credit Needed
N/A N/A See Terms See Terms Fair/Bad

Total Visa® Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus

Intro Rate Intro Period Regular APR Annual Fee Credit Needed
N/A N/A See Terms* See Terms* Fair/Bad 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 Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 0% See website for Details* Damage credit to Fair credit

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.

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.

Financing Resources

Mortgage Loans for good and bad credit
Unsecured Credit Cards for bad credit
Personal Loan Sources - good and bad credit
Payday Loan Companies
Secured Credit Cards
Credit Cards For Bad Credit

New Credit Building Articles


  • Equipment Leasing For Businesses [more]

  • Working Capital For Businesses [more]

  • Consumer Credit Cards [more]

  • Consumer Loans [more]

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]