Credit Cards for Bad Credit

Milestone® Mastercard®

Prequalify for a card today and it will not impact your credit score
Less than perfect credit is okay
24/7 access to your account information, even on mobile
Account history is reported to the three major credit bureaus in the U.S.

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Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $35 - $99*

Intro Rate: N/A

*Dependent on credit worthiness

Milestone® Mastercard® - Less Than Perfect Credit Considered

Prequalify for a card today and it will not impact your credit score
Less than perfect credit is okay
Mobile account access at any time
Protection from fraud if your card is stolen
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Poor/Bad

Regular APR: 24.9%

Annual Fee: $35 - $99*

Intro Rate: N/A

*Dependent on credit worthiness

Merit Platinum Card

Bad Credit, No Credit? No Problem!
Fast and Easy Application
No Employment or Credit Check

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Credit Recommended: Damaged credit to Fair credit

Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR: 0% APR

Monthly Fee: See website for Details*

Indigo® Mastercard® with Fast Pre-qualification

Our pre-qualification process does not affect your credit score
Keeping your account in good standing may help establish and/or improve your credit
24/7 access to your account, even on mobile!
Protection from fraud, if your card happens to be lost or stolen
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

First Access Visa® Card

Checking Account Required
Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
$300 credit limit (subject to available credit)
The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

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Credit Recommended: Fair/Bad

Intro Rate: N/A

Intro Period: N/A

Regular APR: See Terms

Annual Fee: See Terms

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Indigo® Unsecured Mastercard®

Pre-qualify today without an impact on your credit score
Keeping your account in good standing may help establish and/or improve your credit
Access your account online or from your mobile device 24/7
Protection from fraud if your card is stolen
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Pre-qualifying today will not affect your credit score
Less than perfect credit histories can qualify, even with prior bankruptcy!
Mobile friendly online access from anywhere
Fraud protection for stolen or lost cards
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

First Digital Mastercard®

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
Build up your credit history with a card that reports to all three major credit bureaus every month.
Perfect credit not required for approval; we may approve you when others won’t.
Easy and secure online application – It takes just moments to apply.
Issued by Synovus Bank, Member: FDIC

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Credit Recommended: See website for Details*

Regular APR: 35.99%

Cash Advance APR: 35.99%

Annual Fee: $75.00 for first year. After that, $48.00 annually.

Late Payment Fee: $40

Indigo® Platinum Mastercard®

Easy pre-qualification process with fast response
Don't have perfect credit? No problem!
24/7 access to your account, even on mobile!
No security deposit
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

Surge Mastercard®

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!
Free 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
See if you’re Pre-Qualified without impacting your credit score
Fast and easy application process; results in seconds
Free online account access 24/7
Checking Account Required

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Credit Recommended: See website for Details*

Regular APR: 24.99% – 29.99% (Variable)

Late Payment Fee: Up to $41.00

Return Payment Fee: Up to $41.00

Intro Rate: See website for Details*

Net First Platinum

No Employment or Credit Check
Bad Credit, No Credit - OK
Always 0.0% APR
Fast Online Applications

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Credit Recommended: Damaged credit to Fair credit

Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR: 0% APR

Monthly Fee: See website for Details*

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

*See Card for Details

FIT Mastercard®

$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
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Checking Account Required

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Credit Recommended: Fair/Poor/Bad

Regular APR: 29.99%

Annual Fee: See Terms

Return Payment Fee: Up to $41.00

Late Payment Fee: Up to $41.00

Reflex Mastercard®

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
Free 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

Apply Now

Credit Recommended: Fair/Poor/Bad/Limited

Regular APR: 24.99% - 29.99% (Variable)

Late Payment Fee: Up to $41.00

Return Payment Fee: Up to $41.00

Annual Fee: See Terms

Indigo® Platinum Mastercard® Credit Card

Easy pre-qualification process with fast response
Less than perfect credit is okay
Online servicing available 24/7 at no additional cost
Unsecured credit card, no security deposit required
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

Applied Bank® Unsecured Classic Visa® Card

Get Pre-Qualified in Less Than a Minute
A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
No Penalty Rate. Your Rate Won't Go Up Even If You are Late
Access Additional Credit With On-Time Payments and Responsible Usage
A True Unsecured EMV enabled (chip) Visa Credit card
Does not require perfect credit for approval
Fixed APR and Manageable Monthly Payments

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Credit Recommended: Poor/Damaged Credit

Regular APR: 29.99%

Late Payment Fee: Up to $38

Return Payment Fee: Up to $38

Card Brand: Visa®

Freedom Gold Card

$750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
Instant Approval*
No Credit Check
No Employment Check
Fast online application
Bad Credit - OK

Apply Now

Credit Recommended: Damage credit to Fair credit

Credit Line: $750 Limit (Usable only at TheHorizonOutlet.com)

Monthly Fee: See website for Details*

Regular APR: 0% APR

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details

Merrick Bank Double Your Line® Secured Credit Card

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
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.

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Credit Recommended: See website for Details

Regular APR: 18.95% Variable

Annual Fee: $36 the first year. Billed $3 per month thereafter

Credit Line: $200, which doubles to $400 if you qualify

Cash Advance APR: 23.95% Variable

The First Progress Platinum Elite Mastercard® Secured Credit Card

Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account
Nationwide program; available in all 50 US states *See Card Terms.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

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Credit Recommended: Poor/Limited/No Credit

Regular APR: 21.49% (V)

Annual Fee: $29

Credit Line: up to $2,000

Cash Advance APR: 26.49% (V)

First Progress Platinum Prestige Mastercard® Secured Credit Card

Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account
Nationwide program; available in all 50 US states *See Card Terms.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

Apply Now

Credit Recommended: Poor/Limited/No Credit

Regular APR: 11.49% (V)

Annual Fee: $49

Credit Line: $2,000

Cash Advance APR: 20.49% (V)

Indigo® Mastercard® for Less than Perfect Credit

Pre-qualify for a card today and it will not impact your credit score
Less than perfect credit is okay
Mobile account access at any time
Fraud protection for stolen or lost cards
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Bad/Poor

Regular APR: 24.9%

Annual Fee: $0 - $99

Intro Rate: N/A

First Progress Platinum Select Mastercard® Secured Credit Card

Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
24/7 Online Access to Your Account
Nationwide program; available in all 50 US states *See Card Terms.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.

Apply Now

Credit Recommended: Poor/Limited/No Credit

Regular APR: 15.49% (V)

Annual Fee: $39

Credit Line: $2,000

Cash Advance APR: 21.49% (V)

Milestone Gold Mastercard®

Instant pre-qualification is available for those who qualify
Less than perfect credit is okay
Access your account online or from your mobile device 24/7
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $35 - $99*

Intro Rate: N/A

*Dependent on credit worthiness

OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved.
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
Get considered for a credit line increase after 6 months, with no additional deposit required
You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
Easy application, apply in less than 5 minutes right from your mobile device
Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
*View the cardholder agreement

Apply Now

Credit Recommended: Poor

Regular APR: 18.14% (variable)

Annual Fee: $35

Credit Line: $200-$3000 at time of application

Milestone® Mastercard® - Mobile Access to Your Account

Instant pre-qualification is available for those who qualify
Don't have perfect credit? No problem!
Mobile friendly online access from anywhere
Account history is reported to the three major credit bureaus in the U.S.

Apply Now

Credit Recommended: Fair/Good

Regular APR: 24.9%

Annual Fee: $35 - $99*

Intro Rate: N/A

*Dependent on credit worthiness

Merrick 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!
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.