bad credit – CardBenefit https://www.cardbenefit.com Compare and Apply for Best Credit Cards at CardBenefit Tue, 16 Jun 2026 13:04:05 +0000 en-US hourly 1 Credit Repair https://www.cardbenefit.com/credit-repair/ https://www.cardbenefit.com/credit-repair/#respond Sun, 28 Jan 2024 05:06:38 +0000 https://www.cardbenefit.com/?p=20723 Credit repair is the process of improving a person's creditworthiness by addressing and resolving issues on their credit report that may be negatively impacting their credit score. Credit repair services are often offered by specialized companies that help individuals improve their credit profiles.

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Credit repair is the process of improving a person’s creditworthiness by addressing and resolving issues on their credit report that may be negatively impacting their credit score. Credit repair services are often offered by specialized companies that help individuals improve their credit profiles.

  • Sky Blue Credit identifies even the most subtle erroneous items on your credit report - to leverage every opportunity to raise your credit scores.
  • We start fast and keep up the pace. Our rapid 45-day dispute cycle is one of the fastest in the industry.
  • Our customized dispute and re-dispute letters are designed to make the process as effective as possible.
  • We provide the help you need to open new credit cards and manage them for optimal score benefit.
  • Help protect yourself against identity theft
  • LifeLock covers key aspects of identity theft protection
  • Monitor for identity theft in places that banks, credit card providers, and credit bureaus may ignore
  • Reimburse out-of-pocket expenses incurred as a result of identity theft
  • Our industry-leading U.S.-Based Identity Restoration Specialists restore your identity
  • Help keep your personal information private and out of the hands of people trying to steal your money or commit crimes in your name.
  • We alert you when we find your personal information exposed on the dark web and in places other services may miss.

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Continental Finance Credit Cards https://www.cardbenefit.com/continental-finance-credit-cards/ https://www.cardbenefit.com/continental-finance-credit-cards/#respond Sat, 25 Nov 2023 05:39:29 +0000 https://www.cardbenefit.com/?p=20704 Continental Finance specializes in providing credit cards tailored to consumers with limited, fair, or poor credit. Its offerings include unsecured cards, eliminating the need for a security deposit to open an account. Notably, all cards from Continental Finance report user activity to the three major credit bureaus. By responsibly managing your credit usage—keeping spending below the limit and paying off balances in full each month—you have the potential to positively impact your credit scores.

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Continental Finance specializes in providing credit cards tailored to consumers with limited, fair, or poor credit. Its offerings include unsecured cards, eliminating the need for a security deposit to open an account. Notably, all cards from Continental Finance report user activity to the three major credit bureaus. By responsibly managing your credit usage—keeping spending below the limit and paying off balances in full each month—you have the potential to positively impact your credit scores.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Back to top
Reflex® Platinum Mastercard®

35.90% Fixed APR

N/A

$75 - $125

Fair / Poor / Bad / LimitedApply NowView Card Details
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
FIT™ Platinum Mastercard®

35.90% Fixed APR

N/A

See terms

Fair / Poor / BadApply NowView Card Details
  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
Surge® Platinum Mastercard®

35.90% Fixed

N/A

$75 - $125

See Website For Details*Apply NowView Card Details
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.

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Total Visa® Card Review – Rebuild Credit with an Unsecured Card https://www.cardbenefit.com/total-visa-card-review/ https://www.cardbenefit.com/total-visa-card-review/#respond Mon, 20 Nov 2023 21:12:33 +0000 https://www.cardbenefit.com/?p=20703 For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

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Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

  • Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
  • An initial credit limit Up To $500! (See terms*)
  • 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
  • ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
Intro APR
N/A
Intro APR Period
N/A
Annual Fee (rates & fees)
See Terms*
Credit Needed
Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit CardCredit BuildingAnnual Fee
Revenued Business CardRevenued Business CardApprovals based on your business revenue and not personal credit$0
OpenSky Plus Secured Visa Credit Cardopensky® Plus Secured Visa® Credit Card
  • 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
  • Start with as little as $300 - Secure your line with a refundable security deposit
  • More time to fund-spread your security deposit over 60 days with layaway
  • $0
    Destiny MastercardDestiny Mastercard®
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • No security deposit, and a path to better credit.
  • see terms
    Merrick Bank Secured Credit CardMerrick Bank Secured Credit Card
  • 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!
  • Get your FICO Credit Score for free each month.
  • $36 for first year. billed $3 per month thereafter
    First Progress Select Secured MastercardFirst Progress Select Secured Mastercard®
  • Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
  • 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.
  • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • $39
    First Progress Prestige Secured MastercardFirst Progress Prestige Secured Mastercard®
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • 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.
  • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • $49
    OpenSky Secured Visa Credit Cardopensky® Secured Visa® Credit Card
  • 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
  • Start with just $200-secure your credit line with a refundable deposit
  • More time to fund-spread your security deposit over 60 days with layaway
  • $35
    Reflex Platinum MastercardReflex® Platinum Mastercard®
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Unsecured credit card requires No Security Deposit
  • Monthly reporting to the three major credit bureaus
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • $75 - $125
    Surge Platinum MastercardSurge® Platinum Mastercard®
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Unsecured credit card requires No Security Deposit
  • Monthly reporting to the three major credit bureaus
  • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
  • $75 - $125
    FIT Platinum MastercardFIT™ Platinum Mastercard®
  • $400 Initial Credit Limit
  • Unsecured credit card requires No Security Deposit
  • Monthly reporting to the three major credit bureaus
  • see terms

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    Best Credit-Building Cards of July 2026 https://www.cardbenefit.com/best-credit-building-cards/ https://www.cardbenefit.com/best-credit-building-cards/#respond Sun, 01 Oct 2023 07:01:49 +0000 https://www.cardbenefit.com/?p=20445 If 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.

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    If 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.

    Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
    Chase Freedom Rise®

    18.24% - 27.74% Variable

    rates & fees

    18.24% - 27.74% Variable

    $0

    Excellent, Good, Limited, New To CreditApply NowView Card Details
    • Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
    • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
    • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
    • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
    • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
    • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
    • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
    • Member FDIC
    Destiny Mastercard®

    See terms

    N/A

    See terms

    Poor To GoodApply NowView Card Details
    • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • No security deposit, and a path to better credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Get the credit you deserve, even with less-than-perfect history.
    • An unsecured card great for everyday purchases
    Milestone® Mastercard® - 1.5% Cashback Rewards

    35.90% APR

    N/A

    $175 the first year; $49 thereafter

    FairApply NowView Card Details
    • Turn everyday purchases into 1.5% Cashback Rewards!
    • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
    • Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
    • No upfront security deposit required so you can keep more money in your pocket.
    • Join over a million consumers who are working on building their access to credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • A rewards card for people with less than perfect credit!
    Indigo® Mastercard® for Less than Perfect Credit

    35.9% APR

    N/A

    $175 the first year; $49 thereafter

    Poor / FairApply NowView Card Details
    • Get the credit limit you deserve-$700 guaranteed if approved
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • Get the credit you deserve, even with less-than-perfect history.
    • Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Don't Have Perfect Credit? No Problem!
    • No security deposit, just purchasing power.
    Total Visa® Card

    35.99%* APR

    rates & fees

    N/A

    See Terms*

    Fair / BadApply NowView Card Details
    • Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
    • An initial credit limit Up To $500! (See terms*)
    • 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
    • ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
    Reflex® Platinum Mastercard®

    35.90% Fixed APR

    N/A

    $75 - $125

    Fair / Poor / Bad / LimitedApply NowView Card Details
    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    First Latitude Assent Secured Mastercard®

    27.49% (V) APR

    N/A

    $0

    Poor / Limited / NoApply NowView Card Details
    • Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
    • Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
    • Designed to push you forward on your credit building journey with $0 Annual Fee.¹
    • 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.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    opensky® Plus Secured Visa® Credit Card

    28.24% (Variable) APR

    N/A

    $0

    No Credit, Poor, FairApply NowView Card Details
    • 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 2 million+ cardholders who have used opensky® to build better credit!
    First Latitude Elite Secured Mastercard®

    23.49% (V) APR

    N/A

    $29.00

    Poor / Limited / NoApply NowView Card Details
    • Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
    • Secure your credit line with a refundable security deposit - as low as $200 to get started!
    • Apply with no impact to your credit!2
    • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
    • 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    • Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
    • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
    • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
    • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
    • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
    • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
    • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
    • Member FDIC
    • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • No security deposit, and a path to better credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Get the credit you deserve, even with less-than-perfect history.
    • An unsecured card great for everyday purchases
    • Turn everyday purchases into 1.5% Cashback Rewards!
    • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
    • Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
    • No upfront security deposit required so you can keep more money in your pocket.
    • Join over a million consumers who are working on building their access to credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • A rewards card for people with less than perfect credit!
    • Get the credit limit you deserve-$700 guaranteed if approved
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • Get the credit you deserve, even with less-than-perfect history.
    • Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Don't Have Perfect Credit? No Problem!
    • No security deposit, just purchasing power.
    • Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
    • An initial credit limit Up To $500! (See terms*)
    • 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
    • ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    • Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
    • Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
    • Designed to push you forward on your credit building journey with $0 Annual Fee.¹
    • 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.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    • 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 2 million+ cardholders who have used opensky® to build better credit!
    • Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
    • Secure your credit line with a refundable security deposit - as low as $200 to get started!
    • Apply with no impact to your credit!2
    • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
    • 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details

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    Best Secured Credit Cards of July 2026 https://www.cardbenefit.com/best-secured-credit-cards/ https://www.cardbenefit.com/best-secured-credit-cards/#respond Sun, 01 Jan 2023 08:00:24 +0000 https://www.cardbenefit.com/?p=20444 Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.

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    Secured credit cards are great for people with no credit or damaged credit to rebuild their credit history. Since secured cards will report to three major credit bureaus, Transunion, Equifax, and Experian, cardmembers who responsibly use secured cards and pay their debts on time can improve their credit history and credit scores.

    Best Secured Cards

    • 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 2 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 Secured Credit Cards

    If you are interested in OpenSky Plus Secured Visa Credit Card, you may also consider a few other credit cards with similar benefits.

    Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
    opensky® Secured Visa® Credit Card

    23.89% (Variable) APR

    N/A

    $35

    No Credit, Poor, FairApply NowView Card 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 2 million+ cardholders who have used opensky® to build better credit!
    Merrick Bank Secured Credit Card

    21.95% Variable APR

    N/A

    $36 for first year. Billed $3 per month thereafter

    See Website For Details*Apply NowView 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.
    First Progress Select Secured Mastercard®

    17.49% (V) APR

    N/A

    $39

    Poor / Limited / NoApply NowView Card Details
    • Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
    • Apply with no impact to your credit!2
    • The first step to rebuilding your credit starts with just $200!¹
    • 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    First Progress Prestige Secured Mastercard®

    13.49% (V) APR

    N/A

    $49

    Poor / Limited / NoApply NowView Card Details
    • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
    • A $200 refundable deposit is your first step toward better credit!
    • Apply with no impact to your credit!2
    • Build your credit history across 3 major credit reporting agencies: Equifax, Experian 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    • *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 2 million+ cardholders who have used opensky® to build better credit!
    • 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.
    • Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
    • Apply with no impact to your credit!2
    • The first step to rebuilding your credit starts with just $200!¹
    • 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details
    • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
    • A $200 refundable deposit is your first step toward better credit!
    • Apply with no impact to your credit!2
    • Build your credit history across 3 major credit reporting agencies: Equifax, Experian 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.
    • 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
    • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
    • *See Important Disclosures for complete offer details

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    opensky® Secured Visa® Credit Card https://www.cardbenefit.com/opensky-secured-visa-credit-card/ https://www.cardbenefit.com/opensky-secured-visa-credit-card/#respond Mon, 28 Jun 2021 12:43:11 +0000 http://www.cardbenefit.com/opensky-secured-visa-credit-card/ Having bad credit or no credit history? Build credit with Capital Bank's OpenSky Secured Visa Credit Card that reports to credit bureaus. No credit check necessary to apply.

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    Card Issuer
    Capital Bank
    Network
    Visa
    Card Category
    Bad Credit, Secured Card
    Required Credit
    No Credit, Poor, Fair
    Rate this card:  

    Benefits Summary
    Rewards
    Earn up to 10% cash back on everyday purchases.
    Extra Benefits
    Track your progress with free access to your FICO® score in our mobile app.

    • 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 2 million+ cardholders who have used opensky® to build better credit!
    Intro APR
    N/A
    Intro APR Period
    N/A
    Purchase APR
    23.89% (Variable)
    Annual Fee
    $35

    Featured Credit Cards from Our Partners for Bad Credit, Secured Card

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    Total Visa® Card https://www.cardbenefit.com/total-visa-card/ https://www.cardbenefit.com/total-visa-card/#respond Sun, 27 Jun 2021 23:56:12 +0000 https://www.cardbenefit.com/total-visa-card/ Build credit with Total Visa Card, a credit card for people with fair or bad credit. It reports monthly to all 3 major credit reporting agencies. $300 credit limit, subject to available credit.

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    Card Issuer
    The Bank of Missouri
    Network
    Visa
    Card Category
    Fair Credit
    Required Credit
    Fair / Bad
    Rate this card:  

    Benefits Summary
    Rewards
    Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^. ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details.

    • Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
    • An initial credit limit Up To $500! (See terms*)
    • 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
    • ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See Total Card Visa Rewards Programs Terms & Conditions for details
    Intro APR
    N/A
    Intro APR Period
    N/A
    Purchase APR
    35.99%*
    Annual Fee (rates & fees)
    See Terms*

    Featured Credit Cards from Our Partners for Fair Credit

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    FIT™ Platinum Mastercard® https://www.cardbenefit.com/fit-platinum-mastercard/ https://www.cardbenefit.com/fit-platinum-mastercard/#respond Sun, 13 Jun 2021 00:21:43 +0000 https://www.cardbenefit.com/fit-mastercard/ Build credit with FIT Mastercard. It reports your monthly on-time payments to the 3 major credit bureaus. Initial credit limit of $400. Free access to your Vantage 3.0 score from Experian. All credit types welcome to apply.

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    Card Issuer
    Continental Finance
    Network
    Mastercard
    Card Category
    Bad Credit
    Required Credit
    Fair / Poor / Bad
    Rate this card:  

    Benefits Summary
    Highlights
    Monthly reporting to the three major credit bureaus.

    • $400 Initial Credit Limit
    • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    • If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
    Intro APR
    N/A
    Intro APR Period
    N/A
    Purchase APR
    35.90% Fixed
    Annual Fee
    See terms

    Featured Credit Cards from Our Partners for Bad Credit

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    Surge® Platinum Mastercard® https://www.cardbenefit.com/surge-platinum-mastercard/ https://www.cardbenefit.com/surge-platinum-mastercard/#respond Sun, 13 Jun 2021 00:07:04 +0000 https://www.cardbenefit.com/surge-mastercard/ Build credit with Surge Mastercard. It reports your monthly on-time payments to the 3 major credit bureaus. Initial credit limit of $300 - $1,000, which may be doubled to up to $2,000. Free access to your Vantage 3.0 score from Experian. All credit types welcome to apply.

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    Card Issuer
    Continental Finance
    Network
    Mastercard
    Card Category
    Bad Credit, Pre-Qualification
    Required Credit
    See Website for Details*
    Rate this card:  

    Benefits Summary
    Highlights
    Monthly reporting to the three major credit bureaus.

    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    Intro APR
    See website for Details*
    Intro APR Period
    See website for Details*
    Purchase APR
    35.90% Fixed
    Annual Fee
    $75 - $125

    Featured Credit Cards from Our Partners for Bad Credit, Pre-Qualification

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    Reflex® Platinum Mastercard® https://www.cardbenefit.com/reflex-platinum-mastercard/ https://www.cardbenefit.com/reflex-platinum-mastercard/#respond Sat, 12 Jun 2021 23:56:03 +0000 https://www.cardbenefit.com/reflex-mastercard/ Build credit with Reflex Mastercard issued by Celtic Bank. Get pre-qualified with no impact to your credit score. Monthly reporting to the three major credit bureaus. Free access to your Vantage 3.0 score from Experian (When you sign up for e-statements). Use your card at locations everywhere Mastercard is accepted.

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    Card Issuer
    Continental Finance
    Network
    Mastercard
    Card Category
    Bad Credit, Pre-Qualification
    Required Credit
    Fair / Poor / Bad / Limited
    Rate this card:  

    Benefits Summary
    Highlights
    Monthly reporting to the three major credit bureaus.

    • Up to $1,000 Initial Credit Limit
    • See if you Pre-Qualify with No Impact to your Credit Score
    • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
    • Unsecured credit card requires No Security Deposit
    • Perfect card for everyday purchases and unexpected expenses
    • Monthly reporting to the three major credit bureaus
    • Use your card everywhere Mastercard is accepted at millions of locations
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
    • Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
    Intro APR
    N/A
    Intro APR Period
    N/A
    Purchase APR
    35.90% Fixed
    Annual Fee
    $75 - $125

    Featured Credit Cards from Our Partners for Bad Credit, Pre-Qualification

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