Credit Cards For Bad Credit

The following Credit Cards and Prepaid Debit Cards, some of which are fee based, are for People with Bad Credit or less than perfect credit. Simply getting a credit card will not help you build, re-build or re-establish your credit history. Making on-time minimum payments with all of your creditors and maintaining your account balances below the credit limits is the key to changing your financial future. Choose from both secured and unsecured credit card offers below.

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UPside Visa® Prepaid Card

• The power of a bank account in a Visa Prepaid card
• Save up to $220 compared with other cards, the first year alone
• 100% approval with no credit check and no activation fee
• $0.99 monthly fee if $500 is loaded each month. (Only $2.99 otherwise).
• Free Direct Deposit from employers or deposit cash at 50,000 retailers
• Write personal checks online: easy to pay rent or other bills
• Earn 1,500 cash back reward points for you first direct deposit load
• Optional companion card available, as if you had a joint checking

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0.99 if minimum load is received each month. $2.99 otherwise.	N/A*	No Credit Check*

AccountNow^® Prepaid Visa^® Card

• $25 Cash Bonus when you use direct deposit
• No Activation Fee
• No Overdraft Fees
• Borrow money and build credit history*
• 100% Guaranteed Approval*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	as low as $2.50*	N/A*	No Credit Check*

Orchard Bank Classic MasterCards

• An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	7.90%-28.90%*	$0-$74 the first year; $35-$79 per year thereafter*	Yes*	Fair Credit*

First PREMIER® Bank Classic Credit Card

• Join nearly 3 million credit cardholders
• This could be the credit card for you
• Don't be held back by past credit card struggles
• Your second chance for a credit card is our business

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
See website*	See website*	See website*	See website*	N/A*	Bad Credit*

Orchard Bank Visa Cards

• Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	7.90%-28.90%*	$0-$74 the first year; $35-$79 per year thereafter*	Yes*	Fair Credit*

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