RedditIf you have limited or no credit, you can apply for subprime credit cards to build your credit history. As long as you pay off your credit-card balance on time each month, your responsible payment records will be reported to three major credit bureaus – Equifax, Experian and TransUnion, and your credit rating will improve.
No Annual Fee Credit Card to Build Credit
Both First Latitude Assent Mastercard® Secured Credit Card and OpenSky® Plus Secured Visa® Credit Card offer cardholders to build credit without having to pay an annual fee. In addition, both card give you cash back on everyday purchases.
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
- Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time!
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Designed to push you forward on your credit building journey with $0 Annual Fee.
- 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.
- *See Important Disclosures for complete offer details
- Intro APR
- N/A
- Intro APR Period
- N/A
- Annual Fee
- $0
- Credit Needed
- Poor / Limited / No
- No annual fee - keep more money in your pocket!
- No credit check required - 89% approval rate with zero credit risk to apply!
- 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
- Start with as little as $300 - Secure your line with a refundable security deposit
- Fast and easy application-apply in minutes with our mobile-first experience
- Flexible payment options-pick a due date that works for you
- More time to fund-spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
- Intro APR
- N/A
- Intro APR Period
- N/A
- Annual Fee
- $0
- Credit Needed
- No credit, Poor, Fair
Alternative Credit Cards to Help Building Credit
If you are interested in First Latitude Assent Mastercard Secured Credit Card or OpenSky Plus Secured Visa Credit Card, you may also consider a few other credit cards with similar benefits.
| Credit Cards | Purchase APR | Transfer Info | Annual Fee | Credit Level |
|---|---|---|---|---|
| Destiny Mastercard® | See terms | N/A | See terms | Poor To GoodApply NowView Card Details |
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| First Latitude Elite Mastercard® Secured Credit Card | 24.24% (V) APR | N/A | $29.00 | Poor / Limited / NoApply NowView Card Details |
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| OpenSky® Secured Visa® Credit Card | 24.64% (Variable) APR | N/A | $35 | No Credit, Poor, FairApply NowView Card Details |
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| First Progress Platinum Select Mastercard® Secured Credit Card | 18.24% (V) APR | N/A | $39 | Poor / Limited / NoApply NowView Card Details |
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| Total Visa® Card | 35.99%* APR rates & fees | N/A | See Terms* | Fair / BadApply NowView Card Details |
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- 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!
- Choose our First Latitude Elite Card for a lower annual APR!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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.
- *See Important Disclosures for complete offer details
- Earn up to 10% cash back on everyday purchases
- No credit check required - 89% approval rate with zero credit risk to apply!
- 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
- Start with just $200-secure your credit line with a refundable deposit
- Fast and easy application-apply in minutes with our mobile-first experience
- Flexible payment options-pick a due date that works for you
- More time to fund-spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- 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.
- An initial credit limit Up To $500! (See terms*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
