Unsecured Credit Cards
These cards are geared towards consumers with less than perfect credit, but not as bad to have to put down collateral or to have a savings account inorder to secure credit cards. They are different from "regular" credit cards in that they charge higher interest as well as a higher account assessment fee. Not advertised as unsecured, you must have a good credit rating to be eligible for a "regular" credit card.
You can choose another poor credit credit card type from the menu bar on the left or browse through the full list of our best UNSECURED credit cards below.
First PREMIER Bank MasterCard®
Apply for a Credit Card with Less than Perfect Credit!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Saving Zone Discounts
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Saving Zone Discounts
Orchard Bank® Platinum MasterCard®
Bad Credit? — Good Platinum MasterCard®!
Summary:
Ongoing APR: 8.90%-18.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $39-$59
Late Fee: $30-$35
Overlimit Fee: $30.00
Ongoing APR: 8.90%-18.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $39-$59
Late Fee: $30-$35
Overlimit Fee: $30.00
Features:
- Enjoy the prestige of Platinum with no up front fees
- Premium Platinum benefits including Purchase Protection
- Great credit card to strengthen your credit
- Reports to all 3 credit bureaus monthly, which can help improve your credit score
- Free Online 24-hour Account Access and Bill Pay
- Periodic credit limit increases
View the Credit Terms & Conditions.
Capital One® No Hassle CashSM Rewards - New to Credit
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: At least 1.25 miles/dollar on net purchases*
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: At least 1.25 miles/dollar on net purchases*
Features:
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you like
- $29 annual fee
*See website for Disclosures.
Centennial® MasterCard®/Visa®
Reports monthly to 4 Major Credit Bureaus!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Total Visa® Card
The VISA Card for people with "less than perfect" credit.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Features:
- Instant On-Line Decision
- Free 24 hour Online Account Access
- Monthly Reporting to All Major Credit Bureaus
- Fraud Protection
- Outstanding Customer Service
See Rates, Fees & Other Costs.
Continental Finance MasterCard®
Get a second chance with Continental Finance!
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Total Initial Charge: $250.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Total Initial Charge: $250.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*Approval subject to other criteria. See Terms and Conditions.
Rewards 660 Visa® Card
Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- No Fee Credit Limit Increases*
- $300 Starting and $2,000 Maximum Credit Limit
- Fast Online Response
- Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
- FREE Online Account Access
- FREE Online Payments
*See Rates, Fees & Terms.
Tribute® Gold MasterCard® Credit Card
Bad credit history? This could be the right card for you!
Summary:
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Returned Check Fee: $35*
Late Fee: $35*
Overlimit Fee: $35*
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Returned Check Fee: $35*
Late Fee: $35*
Overlimit Fee: $35*
Features:
- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Continental Finance Gold MasterCard®
Get a second chance with rates as low as 9.75% APR*!
Summary:
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Total Initial Charge: $225.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Total Initial Charge: $225.00
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: $35.00
Features:
- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Centennial® Gold MasterCard®/Visa®
Your Chance to Apply for the Prestige of GOLD!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
First PREMIER Bank Platinum Credit Card
Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
Orchard Bank Classic MasterCard®
If you do not qualify for the Classic card, you will be offered Secured card!
Summary:
Ongoing APR: 8.90%-18.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Ongoing APR: 8.90%-18.90%
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Features:
- 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
View the Credit Terms & Conditions.
First PREMIER Bank Gold MasterCard®
Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Total Initial Charge: $179.00*
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $29.00
Features:
- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
Access Visa® Card
Access Visa® for those with less than perfect credit!
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Total Initial Charge: $200.00
Returned Check Fee: $25.00
Late Fee: $29.00
Overlimit Fee: $25.00
Features:
- Instant On-Line Decision
- Bad Credit? No Credit? Give Access A Try!
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
See Rates, Fees & Other Costs.
