VISA CARD deposit required





Build Your Credit, with monthly updates to all 3 credit bureaus
Control Your Finances, start with a security deposit and credit line as low as $200
Apply in less than 5 minutes, NO credit check necessary
Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
Extra Credit When You Need It, increase your credit line up to $5000
Easy funding options, with 4 ways to fund and NO checking account needed

TAKE OFFER


Annual Fee Setup fee Regular APR Deposit Amount Credit Bureau Reporting Approval Reviews Credit Needed
$29 None 17.50% $200 Yes Considered Good Bad Limited No

This is a good card for consumers that may not have a checking account or that prefer an alternative payment option to fund and make payments on the card. Although the Card has an application fee that some of the others do not it does provide a solution for these specific individuals. Reports to the major credit bureaus needed to build credit. The issuing bank's terms may include more detailed or updated information than presented here.

Annual Percentage Rate (APR) for Purchases - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin. APR for Balance Transfers - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin. APR for Cash Advances - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin.
Penalty APR 21.50% will vary with the market based on the Prime Rate plus a margin. The Penalty APR will apply to your Account if you: fail to make any Minimum Payment by the date and time due (late payment);exceed your credit line; make a payment to us that is returned unpaid; or do any of the above on another account or loan you have with us or any of our related companies. Paying Interest - There is no period in which you can avoid paying interest. We begin charging interest from the posting date for purchases and the transaction date for cash advances. Minimum Interest - If you are charged interest. The charge will be no less than $1.00 For Credit Card Tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee - $29 annually. Expedited Card Fee - $50 (optional one-time fee) Balance Transfer 5% of the amount of each Balance Transfer Cash Advance - 5% of the amount of each Cash Advance Foreign Transaction - 3% of each Transaction in U.S. dollars
Penalty Fees Late Payment - Up to $20 Returned Payment - Up to $25

Credit Limit; Transaction Limits; (a) Your initial Credit Limit is disclosed on the card carrier used to deliver the Card to you. Your initial Credit Limit is based on the amount of Deposit Funds that you initially deposited to the Pledged Deposit Account. However, we will charge your $50.00 Annual Fee to your Account, which will reduce your Available Credit by that amount. (b) You may request an increase in your Credit Limit at any time or from time to time, provided that, notwithstanding any language in this Agreement to the contrary: (i) any increase will be subject to underwriting approval; (ii) your Credit Limit will never without our express approval exceed the amount of Deposit Funds in the Pledged Deposit Account or the amount that we reasonably believe will allow you to pay the Minimum Payment Due, together with your other monthly expenses, each month; (iii) any deposit of additional Deposit Funds must be in the form of a check, money order or wire transfer (and not an ACH payment); (iv) your Credit Limit may not exceed $3,000.00 during the first 120 days after your Account is opened;(v) your Credit Limit, together with the credit limit on any other secured credit card account we have established for you may never exceed $5,000.00; (vi) the amount of a Cash Advance may not be less than $20 and the outstanding balance of Cash Advances (including Balance Transfers and including Interest Charges and Fees treated as Cash Advances) may never exceed 50% of your Credit Limit; and (vii) we may delay increasing your Credit Limit for up to five (5) business days after we approve the increase in Credit Limit and receive additional Deposit Funds, in order to ensure that the payment to us has cleared. You agree to provide us from time to time with any information we reasonably request in order to assess your ability to make payments of the Minimum Payment Due based on the current Credit Limit or any contemplated Credit Limit.

CREDIT AVAILABILITY: Any charges for Optional Card Benefits will reduce your available credit. All account purchases and cash advances or any other fees and charges will reduce credit availability at the time they are charged to your account. Account related fees, if incurred, will continue to be charged even if your account is Overlimit.

General: Each Billing Cycle, will separately determine the Interest Charges on Purchases and the Interest Charges on Cash Advances (including Balance Transfers). Both for Purchases and Cash Advances (each, a Balance Type), we determine Interest Charges each Billing Cycle by multiplying the Balance Subject to Interest Charges by the daily Periodic Rate and by then multiplying the result by the number of days in the Billing Cycle. For each Balance Type, the Balance Subject to Interest Charges is the Average Daily Balance (including new Transactions). To get the total Interest Charges each Billing Cycle, we add together the Interest Charges for Purchases and the Interest Charges for Cash Advances.

Deposit Account Information and Disclosures: The Deposit Account will not pay interest. The minimum balance required to open the Deposit Account is $200; and may never exceed $3,000.





VISA CARD deposit required





Fast, easy application process
NO PROCESSING OR APPLICATION FEES!
LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
Guaranteed Approval* As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
*See application for additional details

TAKE OFFER


Annual Fee Setup fee Regular APR Deposit Amount Credit Bureau Reporting Approval Reviews Credit Needed
$39 None 13.99% $200 Yes Guaranteed* Good No Credit Check

Open an FDIC insured Savings Deposit with First Choice Bank and you can secure a Visa or MasterCard with a credit limit equal to the amount of your savings – anywhere from $200 to $5,000. Even if you have damaged credit or no credit history, you can qualify for low fixed interest rates with no penalty rate. The due date is at least 25 days after the close of each billing cycle. Interest will not be charged if the entire balance is paid by the due date each month.

Go to application site page for details.

Go to application site page for details.

Go to application site page for details.







MASTER CARD deposit required





Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
Merchandise APR = 19.99%
Annual Fee = $29
Nationwide Program though not yet available in NY, IA, AR, or WI

TAKE OFFER


Annual Fee Setup fee Regular APR Deposit Amount Credit Bureau Reporting Approval Reviews Credit Needed
$29 None 19.99% $300 Yes Considered Good Bad Limited No

Good all around card for consumers that need to build or improve credit. Easy to qualify, although the Card has an application fee it is still one of the top cards in the industry. Reports to the major credit bureaus needed to build credit history. The issuing bank's terms may include more detailed or updated information than presented here.

Annual Percentage Rate (APR) for Purchases - 19.99%. Your APR will vary with the market based on the Prime Rate plus a margin. Your APRs will vary with the market based on the Prime Rate. The Prime Rate is as reported in The Wall Street Journal on the first Tuesday of every month, or if The Wall Street Journal is not published on that day, on the next publication day. APRs are adjusted monthly for Billing Cycles ending on or after the date of the Prime Rate change. If the Prime Rate increases the Daily Periodic Rate and corresponding Annual Percentage Rate may increase. As a result, the Interest Charges, the Minimum Payment Due and the number of payments may also increase. Your Purchase APR will equal the Prime Rate plus a margin of 16.74% and your Cash Advance APR will equal the Prime Rate plus a margin of 21.74%. The applicable Daily Periodic Rate will be equal to 1/365 of the applicable APR. The APRs shown in the table above are as of August 7, 2013.
Penalty APR 21.50% will vary with the market based on the Prime Rate plus a margin. The Penalty APR will apply to your Account if you: fail to make any Minimum Payment by the date and time due (late payment);exceed your credit line; make a payment to us that is returned unpaid; or do any of the above on another account or loan you have with us or any of our related companies. Paying Interest - There is no period in which you can avoid paying interest. We begin charging interest from the posting date for purchases and the transaction date for cash advances. Minimum Interest - If you are charged interest. The charge will be no less than $1.50 For Credit Card Tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee - $29 annually. Cash Advance Fee - In addition to the periodic Interest on Cash Advances, a Fee of the greater of $10.00 or 3% of each Cash Advance will be posted to your Account, and such fee is included in your daily balance for Cash Advances for the purpose of calculating Interest. The Cash Advance Fee is a Finance Charge. Foreign Transaction - $10. or 3% of each Transaction in U.S. dollars
Penalty Fees Late Payment - Up to $25 Returned Payment - Up to $35

Credit Limit; Transaction Limits; The maximum permitted outstanding balance for your Account (including principal, accrued Interest and fees, whether billed or unbilled) is your credit limit (“Credit Limit”). Your credit available (“Available Credit”) is the Credit Limit less your outstanding balance and any amounts we at our sole discretion may add to keep your outstanding balance below your Credit Limit, such as Interest Charges and Fees incurred but not yet billed. The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $300 (see “Security Interest” above). However, your initial Credit Limit may not exceed $2,000. Your initially available credit will be equal to your initial Credit Limit, less the $29* initial Annual Fee imposed after your Account is opened. For example, if your initial Credit Limit is $300, your initially available credit would be $271. (The renewal Annual Fee, when imposed annually thereafter, will also reduce your then available credit by $29*.) Your Credit Limit may be increased only with our approval.

CREDIT AVAILABILITY: Security Interest. As a condition to approving an Account for you, you must maintain a deposit with us of not less than $300 (the “Deposit”). Your Deposit will be held in a comingled non-interest bearing deposit account with other customers’ deposits (“Deposit Account”). The Deposit Account is insured by the Federal Deposit Insurance Corporation to the extent permitted by law.

General: Each Billing Cycle, will separately determine the Interest Charges on Purchases and the Interest Charges on Cash Advances (including Balance Transfers). Both for Purchases and Cash Advances (each, a Balance Type), we determine Interest Charges each Billing Cycle by multiplying the Balance Subject to Interest Charges by the daily Periodic Rate and by then multiplying the result by the number of days in the Billing Cycle. For each Balance Type, the Balance Subject to Interest Charges is the Average Daily Balance (including new Transactions). To get the total Interest Charges each Billing Cycle, we add together the Interest Charges for Purchases and the Interest Charges for Cash Advances.

Deposit Account Information and Disclosures: The Deposit Account will not pay interest. The minimum balance required to open the Deposit Account is $300; and may never exceed $5,000.







AMERICAN Express deposit required





Start building or improving your credit score-monthly reporting to all 3 major credit bureaus to establish credit history.
The card's credit limit is the money you put in upfront, from $250 to $5,000.
When you apply, you'll also be opening a USAA Bank 2-year Certificate of Deposit (CD) for the money you put upfront.
Earn interest on your CD-your deposit is guaranteed to grow.
Earn additional Travel and Retail Benefits.
USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.

TAKE OFFER


Annual Fee Setup fee Regular APR Deposit Amount Credit Bureau Reporting Approval Reviews Credit Needed
$35 None 9.90% $250 Yes Considered Good Bad Limited No

You or a family member must have served in the military to qualify. The best card in its class for interest rate! The prestige of having an American Express Credit Card; Reports to the major credit bureaus needed to build credit. One down side is that not all merchants accept American Express. The issuing bank's terms may include more detailed or updated information than presented here.

Annual Percentage Rate (APR) for Purchases - 9.90%. Your APR will vary with the market based on the Prime Rate. APR for Balance Transfers - 9.90%. Your APR will vary with the market based on the Prime Rate plus a margin. APR for Cash Advances - 9.90%. Your APR will vary with the market based on the Prime Rate plus a margin.
Paying Interest - Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date until they are paid. However, we will not charge you interest on purchases if you pay your entire balance by the due date each month.For Credit Card Tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee - $39 annually. Balance Transfer 3% of the amount of each transfer (maximum fee for each transfer $200) Cash Advance - 5% of the amount of each Cash Advance Foreign Transaction - 1% of each Transaction in U.S. dollars
Penalty Fees Late Payment - Up to $25 Returned Payment - Up to $35

Credit Limit; Transaction Limits; Available Credit by that amount.

CREDIT AVAILABILITY: Any charges will reduce your available credit. All account purchases and cash advances or any other fees and charges will reduce credit availability at the time they are charged to your account. Account related fees, if incurred, will continue to be charged even if your account is Overlimit.

General: Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date until they are paid. However, we will not charge you interest on purchases if you pay your entire balance by the due date each month.

Deposit Account Information and Disclosures: The Deposit required to open the Account is $250.



Good to know...

Card balances!

It's important to not use too much of your available credit. A good rule is to not use more than 30% of the amount of your deposit. Account balance is 35% of your credit score. The lower the balance the higher the score.

Credit scores!

Payment history is extremely important to credit scores. Just one recent late payment on one account can reduce your credit score by up to 90 points! Making timely payments is 75% of your credit score.

Healthy Credit!

Establishing good credit can seem impossible, but a secure credit card can help you build a strong credit foundation if managed responsibly. Acquiring two or three cards will build your credit even faster.

What is a secure credit card?

Secure credit cards vary from traditional credit cards in that they require you to put down a security deposit. The deposit serves as collateral in the event that you cannot make the payment, and is generally equal to your credit limit. Each secure card may come with different fees, maintenance costs or interest rates so compare and read the complete details. Secure cards allow consumers with bad, limited or no credit the means to have a credit card. The additional benefits of a secure card are that the bank offering the card reports the credit history to the credit bureaus resulting in building credit which improves your credit score.