Credit Card

We’ve got your back! It’s your personal gateway to a world of credit card options, whether your credit is soaring high or on the mend. We’ve handpicked a lineup that covers the full spectrum, so you can choose the card that aligns perfectly with your score and financial goals. It’s your turn to take charge, seize the opportunities, and boost your financial game.

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Advertiser Disclosure
Credit Boost Academy receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.

**Recommended Credit

Fair-Poor-Bad-No Credit

Secured Chime Credit Builder Visa® Credit Card

on Chime’s secure website

Snapshot of Card Features

  • Qualifying direct deposit of $200 or more. Chime Checking Account required.
  • No annual fee. No minimum security deposit*. No credit check to apply
  • *Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • Build credit history with your own money on everyday purchases and on-time payments**
  • **On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
  • View and track your FICO® Score¹ right in the Chime app. FICO® Scores are used by 90% of top lenders
  • ¹Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • ***Out of network ATM withdrawal fees may apply.
  • Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Credit Builder Visa® Credit Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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Annual Fee

$0

Intro APR

None**

Ongoing APR

None**

Balance Transfer

None

**Recommended Credit

Fair-Poor-Bad-No Credit

OpenSky® Secured Visa® Credit Card

on OpenSky’s secure website

Snapshot of Card Features

  • 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. Easy application, apply in less than 5 minutes right from your mobile device
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • 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
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement

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Annual Fee

$35

Intro APR

N/A

Ongoing APR

22.64% (variable)

Balance Transfer

N/A

**Recommended Credit

Poor-Bad-No Credit

Self – Credit Builder Account + Secured Visa® Credit Card

on Self Inc’s secure website

Snapshot of Card Features

  • Combined credit builder account and secured card products to help you build credit and save* money (minus interest and fees) No credit check.
  • No credit check. No credit history required.
  • Start with a credit builder account that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you.
  • Make at least 3 monthly payments on time, have $100 or more in savings progress in your account, and be in good standing* You’ll automatically be eligible for the Self Visa® Credit Card, without a credit check.
  • Your savings progress from your Credit Builder Account acts as your refundable security deposit.
  • The Self Visa® Credit Card is accepted at millions of locations in the U.S.
  • Stay on track with credit utilization monitoring, auto pay, account reminders, a mobile app, and dedicated customer support.
  • *Sample Product for Credit Builder Account: $48 monthly payment, 12 month term with a $9 admin fee at a 15.92% Annual Percentage Rate. Please refer to www.self.inc/pricing for the most recent pricing options.
  • **Disclaimers, Rates and Fees: https://www.self.inc/card-agreement and https://www.self.inc/terms-of-service

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Annual Fee

$25. The annual fee will reduce the amount of credit initially available to you. (If your initial credit limit is $100, for instance, your available credit will be only $75.)

Intro APR

N/A

Ongoing APR

28.74% This APR will vary with the market based on the Prime Rate

Balance Transfer

N/A

**Recommended Credit

Fair-Bad

PREMIER Bankcard® Mastercard® Credit Card

on PREMIER Bankcard®’s secure website

Snapshot of Card Features

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

Poor-Bad-No Credit

Group One Platinum

on Group One Platinum’s secure website

Snapshot of Card Features

  • $750 Line of Credit*
  • Fast and Easy Application
  • Bad Credit, No Credit? No Problem!
  • 0% APR
  • No Employment or Credit Check
  • *$750 Limit (Usable only at TheHorizonOutlet.com)

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Annual Fee

See Terms

Intro APR

N/A

Ongoing APR

See Terms

Balance Transfer

N/A

**Recommended Credit

Fair-Poor

Merit Platinum Card

on Merit Platinum’s secure website

Snapshot of Card Features

  • $750 line of credit*
  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications
  • *$750 Limit (Usable only at TheHorizonOutlet.com)

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Annual Fee

See Website for Details

Intro APR

N/A

Ongoing APR

0% APR

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad

Net First Platinum

on NetFirst Platinum’s secure website

Snapshot of Card Features

  • $750 Limit (Usable only at TheHorizonOutlet.com)
  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications
  • See Card for Details*

Read more

Annual Fee

See Website for Details*

Intro APR

N/A

Ongoing APR

0% APR

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad

Reflex Mastercard®

on Celtic Bank’s secure website

Snapshot of Card Features

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • 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 TransUnion* (When you sign up for e-statements)
  • Checking Account Required
  • See if you Pre-Qualify with no impact to your credit score

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

Poor-Bad

Milestone® Unsecured Mastercard®

on Milestone’s secure website

Snapshot of Card Features

  • Build on your credit history with the Milestone Mastercard
  • Quick and easy pre-qualification
  • Get access to credit when you need it
  • Get a Mastercard accepted online, in store and in app.
  • Get credit for all of your hard work. Milestone Card reports to all three credit bureaus

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Annual Fee

$35 – $99*

Intro APR

N/A

Ongoing APR

24.90% Fixed

Balance Transfer

N/A

**Recommended Credit

N/A

PayPal Prepaid Mastercard®

on PayPal’s secure website

Snapshot of Card Features

  • Move money from your PayPal account to fund your prepaid card account.
  • Earn cash back and personalized offers, just for using your card.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.

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Annual Fee

N/A

Intro APR

N/A

Ongoing APR

N/A

Balance Transfer

N/A

**Recommended Credit

Excellent-Good-Fair

Mission Lane Cash Back Visa® Credit Card

on Mission Lane’s secure website

Snapshot of Card Features

  • See if you qualify instantly without harming your credit score.
  • Enjoy Unlimited 1-1.5% Cash Back on all Purchases.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

26.99%-29.99% Variable APR

Balance Transfer

N/A

**Recommended Credit

Fair-Poor

First PREMIER® Bank Gold Credit Card

on PREMIER Bankcard®’s secure website

Snapshot of Card Features

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

Fair-Bad

PREMIER Bankcard® Grey Credit Card

on PREMIER Bankcard®’s secure website

Snapshot of Card Features

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build§ or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • §Build credit by keeping your balance low and paying all your bills on time every month.

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

See website for Details*

First Digital Mastercard®

on First Digital’s secure website

Snapshot of Card Features

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • $300 credit limit (subject to available credit)
  • You may be eligible for a Credit Line Increase after 12 months.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Easy and secure online application – It takes just moments to apply.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See See Cash Back Rewards Programs Terms & Conditions for details
  • Issued by Synovus Bank, Member: FDIC

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Annual Fee

$75.00 for first year. After that, $48.00 annually.

Intro APR

N/A

Ongoing APR

35.99% Fixed

Balance Transfer

N/A

**Recommended Credit

Poor-Bad

Destiny® Mastercard®

on Destiny’s secure website

Snapshot of Card Features

  • Quick and easy application process with a typical decision in 60 seconds or less
  • Unsecured credit card, no security deposit required
  • Online servicing available 24/7 at no additional cost
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • An opportunity to build and access credit

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Annual Fee

See terms

Intro APR

N/A

Ongoing APR

See terms

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad

Freedom Gold Card

on Freedom Gold’s secure website

Snapshot of Card Features

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit – OK
  • See Site for details*

Read more

Annual Fee

See Website for Details*

Intro APR

N/A

Ongoing APR

0% APR

Balance Transfer

N/A

**Recommended Credit

Poor-No Credit

First Progress Platinum Prestige Mastercard® Secured Credit Card

on First Progress’s secure website

Snapshot of Card Features

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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Annual Fee

$49

Intro APR

N/A

Ongoing APR

15.24% Variable APR for Purchases

Balance Transfer

N/A

**Recommended Credit

Fair-Poor

Fortiva® Mastercard® Credit Card

on Fortiva’s secure website

Snapshot of Card Features

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
  • *See Program Terms for important information about the cash back rewards program.
  • **Fraud liability subject to Mastercard® rules.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Annual Fee

As low as $85

Intro APR

N/A

Ongoing APR

29.99% or 36% Fixed

Balance Transfer

N/A

**Recommended Credit

Excellent

Mastercard® Black Card™

on Luxury Card’s secure website

Snapshot of Card Features

  • Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre?® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge’s assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

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Annual Fee

$495 ($195 for each Authorized User added to the account)

Intro APR

N/A

Ongoing APR

21.24%, 25.43% or 28.24% Variable

Balance Transfer

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

**Recommended Credit

Limited-Poor-No Credit

First Latitude Secured MasterCard® Credit Card

on First Latitude’s secure website

Snapshot of Card Features

  • 1% Cash Back Rewards
  • No Credit History or Minimum Credit Score Required
  • If approved, pay the $19.95 Program Fee and fund your Security Deposit to open your account
  • Build Your Credit with Only a $100 Refundable Deposit
  • Reports to All Three Major Credit Bureaus
  • Credit Reporting Starts Immediately When Your Account is Opened – Just Pay Your Bill on Time and Continue Establishing Your Credit
  • Easy-to-Use Mobile App
  • Accepted Worldwide and Online

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Annual Fee

$25 for the first year, after that $35 annually

Intro APR

N/A

Ongoing APR

24.49% Variable

Balance Transfer

N/A

**Recommended Credit

Poor-Bad

Total Card Visa® Credit Card

on Total Card’s secure website

Snapshot of Card Features

  • Rebuilding Credit Has Never Been More Rewarding Than with Total’s 1% Cash Back Rewards
  • Get on the Road to Better Credit
  • If approved, pay the $95 Program Fee to open your account
  • Fast and easy application process with a Decision Within Minutes
  • Choose between 3 free card designs and 6 Premium designs
  • Reports to All Three Major Credit Bureaus
  • Accepted at Millions of Businesses in the US & Online
  • Simple Secure Online Payments
  • Eligible for a Credit Line Increase after 12 months of on-time payments!
  • Streamlined Mobile App

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Annual Fee

$75 first year, then $48

Intro APR

N/A

Ongoing APR

35.99% Fixed

Balance Transfer

N/A

**Recommended Credit

Poor-Bad

Revvi Visa® Credit Card

on Revvi’s secure website

Snapshot of Card Features

  • Earn 1% Cash Back Rewards on All Purchases with Revvi!
  • The Perfect Card for Not-So-Perfect Credit
  • If approved, pay the $95 Program Fee to open your account
  • Fast and easy application process with a response provided in seconds!
  • Reports to All Three Major Bureaus to Build Your Credit History
  • Eligible for a Credit Line Increase after 12 months of on-time payments!
  • Choose between 2 free card designs and 4 Premium designs
  • Accepted by Merchants Across US & Online
  • Free Credit Monitoring Powered by TransUnion
  • Simple, Powerful Mobile App

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Annual Fee

$75 first year, then $48

Intro APR

N/A

Ongoing APR

35.99% Fixed

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad

Surge Mastercard® Credit Card

on Surge’s secure website

Snapshot of Card Features

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
  • See if you’re Pre-Qualified without impacting your credit score

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

Fair

Avant Credit Card

on Avant’s secure website

Snapshot of Card Features

  • Fast and easy application process
  • We may periodically review your account for credit line increases
  • Help strengthen your credit history with responsible use
  • No hidden fees
  • Use online banking to conveniently pay your card through our online portal, 24/7
  • Zero fraud liability for unauthorized charges
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee: 3%, Min $10 Late Fee up to $39

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Annual Fee

$39

Intro APR

N/A

Ongoing APR

31.24% Variable

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad-No Credit

OpenSky® Plus Secured Visa® Credit Card

on OpenSky’s secure website

Snapshot of Card Features

  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Get considered for an unsecured credit line increase after 6 months – no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit – as low as $300.
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

29.99% (variable)

Balance Transfer

N/A

**Recommended Credit

N/A

Brink’s Armored™ Account

on Brinks’s secure website

Snapshot of Card Features

  • Brink’s knows Security! 24/7 access to a suite of security benefits to help keep your account armored.
  • Get access to over 100,000 Brink’s Money ATMs.
  • Get paid faster than a paper check with direct deposit.
  • Add funds to your Brink’s Armored Account and use Brinks Armored debit card anywhere Debit Mastercard is accepted.
  • Account opening is subject to registration and ID verification. Terms & fees Apply. Deposit Account is established by Pathward®, N.A., Member FDIC.

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Annual Fee

N/A

Intro APR

N/A

Ongoing APR

N/A

Balance Transfer

N/A

**Recommended Credit

Poor-No Credit

The First Progress Platinum Elite Mastercard® Secured Credit Card

on First Progress’s secure website

Snapshot of Card Features

  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Accepted wherever Mastercard® is accepted

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Annual Fee

$29

Intro APR

N/A

Ongoing APR

25.24% Variable APR for Purchases

Balance Transfer

N/A

**Recommended Credit

All Credit Types Considered

GO2bank

on GO2bank’s secure website

Snapshot of Card Features

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
  • *Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

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Annual Fee

N/A

Intro APR

N/A

Ongoing APR

N/A

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad-No Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

on Applied Bank’s secure website

Snapshot of Card Features

  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Annual Fee

$48

Intro APR

N/A

Ongoing APR

9.99% Fixed

Balance Transfer

N/A

**Recommended Credit

Poor-Bad

First Access Visa® Credit Card

on First Access’s secure website

Snapshot of Card Features

  • Earn 1% Cash Back on Every Payment with First Access!
  • Need Access to Credit? Try First Access!
  • If approved, pay the $95 Program Fee to open your account
  • Most Credit Decisions in 60 Seconds or Less
  • Accepted by Merchants Across the US and Online
  • Choose between 2 free card designs and 4 Premium designs
  • Free VantageScore and Credit Education
  • Reports Payment History to All Three Major Credit Bureaus Monthly
  • Eligible for a Credit Line Increase after 12 months of on-time payments
  • Easy-to-Use Mobile App

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Annual Fee

$75 first year, then $48

Intro APR

N/A

Ongoing APR

35.99% Fixed

Balance Transfer

N/A

**Recommended Credit

Excellent-Good-Fair

Upgrade Triple Cash Rewards Visa®

on Upgrade’s secure website

Snapshot of Card Features

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

14.99% – 29.99% Variable

Balance Transfer

14.99% – 29.99% Variable

**Recommended Credit

Fair – No Credit

Petal® 1 “No Annual Fee” Visa® Credit Card

on Petal’s secure website

Snapshot of Card Features

  • $0 Annual Fee
  • Variable APRs range from 25.24% – 34.74%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Petal reports to all 3 major credit bureaus.
  • Card issued by WebBank, Member FDIC

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

25.24% – 34.74% Variable

Balance Transfer

N/A

**Recommended Credit

Fair-Good

Destiny® Mastercard®

on Destiny’s secure website

Snapshot of Card Features

  • An unsecured Mastercard for less than perfect credit
  • Quick and easy application process with a typical decision in 60 seconds or less
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • No security deposit needed
  • Reports your payments to all three major credit bureaus
  • An opportunity to build and access credit

Read more

Annual Fee

See terms

Intro APR

N/A

Ongoing APR

See terms

Balance Transfer

N/A

**Recommended Credit

Excellent

Mastercard® Titanium Card™

on Luxury Card’s secure website

Snapshot of Card Features

  • Brushed stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge’s assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

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Annual Fee

$195 ($95 for each Authorized User added to the account)

Intro APR

N/A

Ongoing APR

21.24%, 25.43% or 28.24% Variable

Balance Transfer

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

**Recommended Credit

Excellent

Mastercard® Gold Card™

on Luxury Card’s secure website

Snapshot of Card Features

  • 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre?® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge’s assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

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Annual Fee

$995 ($295 for each Authorized User added to the account)

Intro APR

N/A

Ongoing APR

21.24%, 25.43% or 28.24% Variable

Balance Transfer

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

**Recommended Credit

Good-Fair-Poor

Mission Lane Visa® Credit Card

on Mission Lane’s secure website

Snapshot of Card Features

  • See if you qualify instantly without harming your credit score.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.

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Annual Fee

$0-59

Intro APR

N/A

Ongoing APR

26.99% – 29.99% Variable

Balance Transfer

N/A

**Recommended Credit

Good – Limited – No Credit

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

on Petal’s secure website

Snapshot of Card Features

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 18.24% – 32.24%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $300 – $10,000 credit limits
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • See if you’re pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • Card issued by WebBank, Member FDIC

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

18.24% – 32.24% Variable

Balance Transfer

N/A

**Recommended Credit

Fair – Poor

Aspire® Cash Back Reward Card

on Aspire’s secure website

Snapshot of Card Features

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
  • *See Program Terms for important information about the cash back rewards program.
  • ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Annual Fee

As low as $85

Intro APR

N/A

Ongoing APR

29.99% or 36% Fixed

Balance Transfer

N/A

**Recommended Credit

N/A

Walmart MoneyCard®

on Walmart MoneyCard’s secure website

Snapshot of Card Features

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
  • *Please see site for full terms and conditions.

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

N/A

Balance Transfer

N/A

**Recommended Credit

Fair-Poor-Bad

FIT Mastercard®

on The Bank of Missouri’s secure website

Snapshot of Card Features

  • 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 TransUnion* (When you sign up for e-statements)
  • Checking Account Required.
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

Bad-Limited-No Credit

PREMIER Bankcard® Secured Credit Card

on PREMIER Bankcard®’s secure website

Snapshot of Card Features

  • There’s no checking account required.
  • When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
  • After six months of responsible secured card use you may be eligible† to apply for an unsecured PREMIER Bankcard Mastercard®.
  • †PREMIER Bankcard Mastercard® available upon invitation after you’ve been with PREMIER for six months and have kept your account in good standing (on-time payments and staying within credit limit).
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.

Read more

Annual Fee

See Provider Website

Intro APR

N/A

Ongoing APR

See Provider Website

Balance Transfer

N/A

**Recommended Credit

Excellent-Good-Fair-Average

Upgrade Cash Rewards Visa®

on Upgrade’s secure website

Snapshot of Card Features

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Annual Fee

$0

Intro APR

N/A

Ongoing APR

14.99% – 29.99% Variable

Balance Transfer

14.99% – 29.99% Variable

**Recommended Credit

Poor-Bad-No Credit

UNITY® Visa Secured Credit Card – The Comeback Card™

on OneUnited Bank’s secure website

Snapshot of Card Features

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.

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Annual Fee

$39

Intro APR

N/A

Ongoing APR

17.99% (Fixed)

Balance Transfer

Intro: 9.95% for 6 months

**Recommended Credit

See website for Details*

Merrick Bank Secured Credit Card

on Merrick Bank’s secure website

Snapshot of Card Features

  • 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.

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Annual Fee

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

Intro APR

N/A

Ongoing APR

22.70% Variable

Balance Transfer

N/A

**Recommended Credit

Fair-Poor

PREMIER Bankcard® Mastercard® Credit Card

on PREMIER Bankcard®’s secure website

Snapshot of Card Features

  • Everyone deserves a chance to build§ credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • §Build credit by keeping your balance low and paying all your bills on time every month.

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Annual Fee

See Terms*

Intro APR

N/A

Ongoing APR

See Terms*

Balance Transfer

N/A

**Recommended Credit

N/A

NetSpend® Visa® Prepaid Card

on NetSpend’s secure website

Snapshot of Card Features

  • With Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
  • Card use is subject to activation and ID verification. Terms and Costs apply.
  • Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
  • See additional NetSpend® Prepaid Visa® details.

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Annual Fee

N/A

Intro APR

N/A

Ongoing APR

N/A

Balance Transfer

N/A

**Recommended Credit

Poor-No Credit

First Progress Platinum Select Mastercard® Secured Credit Card

on First Progress’s secure website

Snapshot of Card Features

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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Annual Fee

$39

Intro APR

N/A

Ongoing APR

19.24% Variable APR for Purchases

Balance Transfer

N/A

**Recommended Credit

Good-Fair

Milestone® Mastercard®

on Milestone’s secure website

Snapshot of Card Features

  • A Mastercard designed for you
  • Quick and easy pre-qualification that does not impact your credit score
  • Get access to credit when you need it
  • A way to build on your credit history
  • Get a Mastercard accepted online, in store and in app.
  • Get credit for all of your hard work. Milestone Card reports to all three credit bureaus

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Annual Fee

$35 – $99*

Intro APR

N/A

Ongoing APR

24.90% Fixed

Balance Transfer

N/A

For complete information, see the terms and conditions on Credit Boost Academy’s website. Once you click “Apply Now,” you will be directed to Credit Boost Academy’s website where you may review the terms and conditions before applying. While Credit Boost Academy always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying, you should understand the full terms of products as stated by Credit Boost Academy itself. The offers are provided by third-parties from whom Credit Boost Academy receives compensation. Credit Boost Academy will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email, or otherwise for financial information or other sensitive personal data.

** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit offer.