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Apply For A Poor Credit Credit Card
Written by: Bill Matthews
Obtaining Unsecured Credit Cards With Poor Credit
For those with bad credit, unsecured credit cards used to be nearly impossible to obtain, with most lenders instead requiring secured accounts. Bad credit unsecured credit cards are designed for people who may have less than stellar credit, but need to reestablish that credit with an unsecured card. Most of these types of cards have various fees, and may have lower than average credit limits, although they can usually be increased over time if the account is in good standing.
Continental Finance MasterCard Introductory Rate Offer: No Introductory Rate Available and is applied to none.
The Continental Finance MasterCard has an annual fee of $49, and has a regular APR of 19.92%, which is on the higher end of the scale, but also doesn't require any minimum monthly income requirements. Cardholders may qualify for semiannual credit limit increases and also have the benefit of access to online account and finance management tools.... Show More
New Millennium Bank Platinum Visa®/MasterCard
Introductory Rate Offer: No Introductory Rate Available and is applied to none.
The New Millennium Bank Platinum Visa®/MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card. Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits, including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases. Perhaps the best benefit is the free companion airline ticket, which is awarded to the cardholders upon approval. The card offers a free membership to TheWorldsBestTravelClub.com, which offers discounts on a variety of travel service.... Show More
First Premier Classic Card
For a considerably lower interest rate, the First Premier Classic Card has a regular APR of 9.9%, and reports to the major credit bureaus on a monthly basis. The annual fee for this card is $48 and provides 24 hour account access via telephone. For the prestige of a gold card, Premier Bank also has the First Premier Bank Gold MasterCard with an annual fee of $48 and a 9.9% APR, as well as the Centennial Gold MasterCard with similar rates and fees.
For people with bad credit, unsecured credit cards can mean the difference between being able to reestablish credit, or having the same bad credit history that keeps them from qualifying for other financial opportunities such as getting a mortgage or an auto loan. Although fees may be higher and some of the terms may be more stringent, they're both worth the benefits reaped over time.
Orchard Bank Credit Card
The Orchard Bank MasterCard allows customers a choice of billing dates, and also sends out email or cell phone alerts to remind cardholders of that date. Over time, accounts in good standing may qualify for other unsecured credit cards with better rewards and lower fees or interest rates. This Orchard Bank MasterCard has a credit limit of $500 and also offers 100% fraud protection to cardholders, as well as flexible payment options and periodic account reviews for credit limit increases. The regular APR for this card is 14.90%, and the annual fees range from $49 to $79.
First Premier Bank Centennial Card
Other types of bad credit unsecured credit cards such as the Centennial Visa or MasterCard from First Premier Bank offers competitive APR rates on all purchases, as well as reporting to all of the major credit bureaus, which is of particular importance to those who are trying to rebuild their credit history or improve their credit rating. This card features 24 hour phone support for cardholders and is accepted anywhere that accepts Visa or MasterCard.
Orchard Bank Platinum MasterCard
For those with no or bad credit, unsecured credit cards such as the Orchard Bank Platinum MasterCard has no upfront fees, has purchase protection services, and also reports to the major credit bureaus. Accounts in good standing are eligible for periodic credit limit increases, and the card also features free online account access and bill payment options. The annual fees for this card range from $39 to $59, and the regular APR is 14.90%.
