Credit Cards from Alternative Banks in the United States

Other than major national banks that issue credit cards, there are also many mid-sized regional banks issuing credit cards. Their credit cards usually target a special group of consumers. Some of the cards have industry-leading low interest. Some of the cards are designed for people with poor or bad credit history to repair credit rating and improve credit scores.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Upgrade Cash Rewards Visa^® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	Excellent, Good, Fair, AverageApply Now View Card Details
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* Earn 1.5% unlimited cash back on card purchases every time you make a payment Combine the flexibility of a credit card with the predictability of a personal loan No annual fee No touch payments with contactless technology built in See if you qualify in minutes without hurting your credit score Great for large purchases with predictable payments you can budget for Mobile app to access your account anytime, anywhere Enjoy peace of mind with $0 Fraud liability Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Upgrade Triple Cash Rewards Visa^® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	(620+) Excellent, Good, Fair, AverageApply Now View Card Details
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases No annual fee Combine the flexibility of a credit card with the predictability of a personal loan No touch payments with contactless technology built in See if you qualify in minutes without hurting your credit score Great for large purchases with predictable payments you can budget for Mobile app to access your account anytime, anywhere Enjoy peace of mind with $0 Fraud liability Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
OpenSky^® Secured Visa^® Credit Card Hide Benefits Show Benefits	25.64% (Variable) APR	N/A	$35	PoorApply Now View Card Details
*New feature! Earn up to 10% cash back on everyday purchases** No credit check to apply. Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Get free monthly access to your FICO score in our mobile application Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Fund your card with a low $200 refundable security deposit to get a $200 credit line Apply in less than 5 minutes with our mobile first application Choose the due date that fits your schedule with flexible payment dates Fund your security deposit over 60 days with the option to make partial payments Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
First Progress Platinum Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	19.24% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Prestige Mastercard^® Secured Credit Card Hide Benefits Show Benefits	15.24% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Applied Bank^® Secured Visa^® Gold Preferred^® Credit Card Hide Benefits Show Benefits	9.99% Fixed APR	N/A	$48	Poor / Fair / Limited / DamagedApply Now View Card Details
Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using Absolutely No Credit Check or Minimum Credit Score Required Automatic Reporting to All Three National Credit Bureaus 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Choice Rewards World Mastercard^® Hide Benefits Show Benefits	13.50% - 18.00% Variable APR	13.50% - 18.00% Variable APR $0 at the Transfer APR	$0	Excellent, GoodApply Now View Card Details
Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash No points maximum and your points never expire Appreciate a high value card with low rates and no annual fee
Revenued Business Card Hide Benefits Show Benefits	N/A	N/A	$0	Bad, GoodApply Now View Card Details
No annual fee and no draw fee Includes flex line, similar to a line of credit and only pay for what you use Access cash on demand with funds deposited straight into your bank account Fast and easy application process - apply online and receive a funding decision in as little as an hour Approvals based on your business revenue and not personal credit As your revenue increases, spending limits also increase Access to business credit tools - Revenued reports to D&B to help build your business credit Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder Rated Excellent on Trustpilot with 600+ reviews
Net First Platinum Hide Benefits Show Benefits	0% APR	N/A	See website for Details*	Damaged Credit To Fair CreditApply Now View Card Details
No Employment or Credit Check Bad Credit, No Credit - OK Always 0.0% APR Fast Online Applications
OpenSky^® Plus Secured Visa^® Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR	N/A	$0	No Credit, Poor, FairApply Now View Card Details
*New feature! Earn up to 10% cash back on everyday purchases** No annual fee No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Secure your credit line with a refundable security deposit - as low as $300. Easy application, apply in less than 5 minutes right from your mobile device Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
Milestone^® Mastercard^® Hide Benefits Show Benefits	See terms	N/A	See terms	Fair / GoodApply Now View Card Details
Greater access to credit than before - $700 credit limit Get a Mastercard accepted online, in store and in app 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. Dependent on credit worthiness
First Latitude Select Mastercard^® Secured Credit Card Hide Benefits Show Benefits	19.24% (V) APR rates & fees	N/A	$39.00	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards! Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† Accepted wherever Mastercard^® is accepted Reports to all 3 credit bureaus No minimum credit score required for approval! †Cardholders 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
Walmart MoneyCard^® Hide Benefits Show Benefits	N/A	N/A	$0 with eligible direct deposit	N/AApply Now View Card Details
Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.* Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.* Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!* Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.* Please see site for full terms and conditions.
Surge^® Platinum Mastercard^® Hide Benefits Show Benefits	29.99% APR (Variable)	N/A	$75 - $125	See Website For Details*Apply Now View Card Details
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time) All credit types welcome to apply! Monthly Credit Score - Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Initial Credit Limit of $300 - $1,000 (subject to available credit) Monthly reporting to the three major credit bureaus See if you're Pre-Qualified without impacting your credit score Fast and easy application process; results in seconds Online account access 24/7 Checking Account Required
FIT™ Platinum Mastercard^® Hide Benefits Show Benefits	29.99% APR	N/A	$99	Fair / Poor / BadApply Now View Card Details
$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time) All credit types welcome to apply Monthly reporting to the three major credit bureaus Initial Credit Limit of $400.00 (Subject to available credit) Fast and easy application process; results in seconds Use your card at locations everywhere Mastercard^® is accepted Access to your Vantage 3.0 score from Experian (When you sign up for e-statements) Checking Account Required
The Owner's Rewards Card by M1 Hide Benefits Show Benefits	19.99% to 29.99% Variable APR	N/A	$0	Good To ExcellentApply Now View Card Details
Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth. Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus. Use M1 automation to easily reinvest your rewards for long-term impact. Integrate even more of your financial life in one place, while M1 helps you grow your wealth with everyday transactions. Visa Signature^® benefits including Zero Liability, exclusive experiences, and more. The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions. There is no annual fee. Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
Reflex^® Platinum Mastercard^® Hide Benefits Show Benefits	29.99% APR (Variable) APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply Now View Card Details
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time) See if you're Pre-Qualified with no impact to your credit score All credit types welcome to apply Access to your Vantage 3.0 score from Experian (When you sign up for e-statements) Initial Credit Limit of $300 - $1,000 (subject to available credit) Monthly reporting to the three major credit bureaus Fast and easy application process; results in seconds Use your card at locations everywhere Mastercard^® is accepted Checking Account Required
Destiny Mastercard^® Hide Benefits Show Benefits	See terms	See terms	See terms	Poor To GoodApply Now View Card Details
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!
First Progress Platinum Elite Mastercard^® Secured Credit Card Hide Benefits Show Benefits	25.24% (V) APR	N/A	$29	Poor / Limited / NoApply Now View Card Details
Choose your own credit line - $200 to $2000 - based on your security deposit Build your credit score.† Reports to all 3 credit bureaus No minimum credit score required for approval! † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Total Visa^® Card Hide Benefits Show Benefits	35.99%* APR rates & fees	N/A	$75.00 1st year, $48.00 after*	Fair / BadApply Now View Card Details
Earn 1% cash back rewards on payments made to your Total Credit Card Checking Account Required $300 credit limit (subject to available credit) No security deposit, simply pay a one-time $95 program fee to open your account.* User friendly Mobile App. *See Rates, Fees, Costs & Limitations for complete offer details See Total Card Visa Rewards Programs Terms & Conditions for details
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	22.70% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply Now View Card Details
Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds. Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies. Get your FICO^® Credit Score for free each month. Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts. Card issued by Merrick Bank, Member FDIC.
Freedom Gold Card Hide Benefits Show Benefits	0% APR	0% APR	See website for Details*	Damage Credit To Fair CreditApply Now View Card Details
$750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com) Instant Approval* No Credit Check No Employment Check Fast online application Bad Credit - OK
Unique Platinum Hide Benefits Show Benefits	0% APR	0% APR	N/A	Any Credit WelcomeApply Now View Card Details
$1000 Credit Limit No Credit Checks Instant Approval 0% Financing No application denied for bad credit! *See terms and conditions
Group One Platinum Card Hide Benefits Show Benefits	0% APR	N/A	See website for Details*	Damaged / FairApply Now View Card Details
No Employment or Credit Check Bad Credit, No Credit? No Problem! Fast and Easy Application
Extra Card Hide Benefits Show Benefits	N/A	N/A	See Terms	All Credit Types ConsideredApply Now View Card Details
Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.† No interest. No credit checks. No deposit required. Track your spending & credit score-follow your progress with Credit Journey on the Extra App Earn reward points-earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store† Use your bank-keep your money where you want, while spending smarter with Extra.† †The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score. Rewards points only available with rewards plan.
First Latitude Prestige Mastercard^® Secured Credit Card Hide Benefits Show Benefits	15.24% (V) APR	N/A	$49.00	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments. Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† Reports to all 3 major credit bureaus. No minimum credit score required for approval! Accepted wherever Mastercard^® is accepted. Applying is quick and easy with our secure online application. 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
First Latitude Elite Mastercard^® Secured Credit Card Hide Benefits Show Benefits	25.24% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
1% Cash Back Rewards on payments. Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Build or rebuild your credit!† Reports to all 3 credit bureaus No minimum credit score required for approval! 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
GO2bank Hide Benefits Show Benefits	N/A	N/A	No monthly fees with eligible direct deposit, otherwise $5 per month	All Credit Types ConsideredApply Now View Card Details
Overdraft protection up to $200 with opt-in and eligible direct deposit* No monthly fees with eligible direct deposit, otherwise $5 per month Earn up to 7% cash back when you buy eGift Cards in the app Get your pay up to 2 days early - Get your government benefits up to 4 days early.* High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.* Disclaimer: *Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
Indigo^® Mastercard^® for Less than Perfect Credit Hide Benefits Show Benefits	35.9% APR	N/A	$175 - $199	Bad / Poor / FairApply Now View Card Details
Now with higher credit limits Increase your access to available credit Higher limit than before, still no security deposit required! Greater access to credit than before Less than perfect credit is okay Mobile account access at any time Account history is reported to the three major credit bureaus in the U.S.
Self - Credit Builder Account + Secured Visa^® Credit Card Hide Benefits Show Benefits	N/A	N/A		None / PoorApply Now View Card Details
If you have an active Credit Builder Account in good standing, 3 on time payments, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the Self Secured Visa Credit Card, without a hard credit check. Criteria subject to change. Build credit and savings at the same time. Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus. At the end of your plan, unlock the savings you built - minus interest and fees. The Self Visa^® Secured Credit Card* is accepted at millions of locations in the U.S. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Self Secured Visa^® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval.

Upgrade Cash Rewards Visa®

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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment