Any Credit History Credit Cards - ApplyNowCredit.com

Credit Cards for Any Credit History

Applying for a credit card can be challenging especially when your credit score has seen better days or you're just new to credit and looking to build it. We’ve taken the hassle out of finding issuers willing to work with you. Each of these cards have been carefully selected based on application security, bank rate transparency and clear credit terms. It only takes a few minutes to apply, so let's get started below.

Any Credit History

Chime Credit Builder Visa® Credit Card

Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score.

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Limited to Good
  • Rewards : n/a
  • Annual Fee : 0.00
  • Regular APR : 0.00%
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

GO2bank

Overdraft protection up to $200 with opt-in and eligible direct deposit*

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : All Credit Types Considered
  • Rewards : Earn up to 7% cash back when you buy eGift Cards in the app
  • Annual Fee : $0.00
  • Regular APR : n/a
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Destiny Mastercard®

Less than perfect credit is okay, even with a prior bankruptcy!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Poor to Good
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Bad/Fair
  • Rewards : N/A
  • Annual Fee : See Terms*
  • Regular APR : See Terms*
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Good
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : No Credit History
  • Rewards : n/a
  • Annual Fee : One Time $9 - $15 Account Fee (Varies by Product)
  • Regular APR : 12.03% - 15.98% (Varies by Product)
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : n/a
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : n/a
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Poor
  • Rewards : n/a
  • Annual Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Arro Card

All credit types accepted

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : All Credit Types Accepted
  • Rewards : n/a
  • Annual Fee : $3/month; $1/month for the 1st year
  • Regular APR : 16% Variable
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Sezzle Card

Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Any Credit
  • Rewards : n/a
  • Annual Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Net First Platinum

$750.00 Line of Credit*

  • Rating :
  • Credit Brand : Other
  • Credit Needed : Damaged credit to Fair credit
  • Rewards : N/A
  • Annual Fee : See website for Details*
  • Regular APR : 0.00%
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Bad/Poor/Fair
  • Rewards : N/A
  • Annual Fee : See Terms
  • Regular APR : 35.9%
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Any Credit History

Current Build Visa® Credit Card

Credit for everyone - Regardless of your credit history!

  • Rating :
  • Credit Brand : Visa®
  • Credit Needed : Limited/No Credit, Bad/Damaged, Fair
  • Rewards : Earn up to a 4.00% Bonus on Savings Pods
  • Annual Fee : $0.00
  • Regular APR : 0.00%
  • Updated for : Thu 29 Feb 2024
  • Full Details : View Card Page

Trusted Partner

Experian Boost™

Improve Your Credit Scores Instantly for Free

  • Get credit for bills like your phone, utilities and popular streaming services—free, with Experian Boost™
  • Access your free Experian® Credit Report & FICO® Score
  • Includes Experian® credit monitoring and alerts
Get Started Here

Additional Resources

Credit Spotlight : Dave App

Managing your finances has never been more convenient and user-friendly than with the Dave App. In a world where financial uncertainty lurks around every corner, Dave is your trusted partner in navigating the complex landscape of personal finance. In this illuminating review, we will delve into the myriad ways Dave simplifies and empowers your financial life, making it a must-have tool for anyone looking to take control of their financial future. Download the App 1. Overdraft Protection at Your Fingertips
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Credit Spotlight: Kikoff

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history  We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
Continue Reading »

Choosing the Right Credit Card for Your Credit Rating
In today’s fast-paced world, financial freedom is a goal we all strive to achieve. Whether it’s for that dream vacation, a new car, or even buying a home, having access to credit can make these aspirations a reality. However, obtaining a credit card that aligns with your credit rating is paramount to ensure you’re on the path to financial success. In this article, we’ll delve into the significance of selecting a credit card that suits your credit score and how it can vastly improve your chances of getting approved.
1. Know Your Credit Rating
Before you embark on your credit card journey, it’s essential to have a clear understanding of your current credit rating. Your credit rating, often represented as a three-digit number, is a reflection of your creditworthiness. It’s determined by various factors, including your payment history, outstanding debt, length of credit history, new credit inquiries, and types of credit accounts.
2. Why Your Credit Rating Matters
Your credit rating plays a pivotal role in determining your eligibility for different credit cards. Lenders use this rating to assess the risk associated with lending you money. Here’s why it matters:

Approval Odds: A higher credit rating significantly improves your chances of getting approved for a credit card. Lenders are more likely to offer favorable terms and credit limits to individuals with good or excellent credit scores.
Interest Rates: Your credit rating also influences the interest rates you’ll be offered. Those with higher credit scores typically receive lower interest rates, which can save you a significant amount of money over time.
Credit Limits: A higher credit rating often results in higher credit limits. This can be beneficial for making larger purchases or managing your credit utilization ratio effectively.

3. Match Your Credit Rating to the Right Card
Now that you understand the importance of your credit rating let’s explore how to match it with the right credit card:

Excellent Credit (720+): If you have an excellent credit rating, you’re in an enviable position. You can qualify for premium credit cards with the best rewards, perks, and low-interest rates. Look for cards that offer cash back, travel rewards, or premium benefits like airport lounge access.
Good Credit (660-719): With a good credit score, you still have access to a wide range of credit cards. Consider cards with cash back rewards, low annual fees, or cards designed to help you build your credit further.
Fair Credit (580-659): If your credit score falls into this category, you may want to focus on credit cards designed to help you rebuild your credit. These cards often have higher interest rates and lower credit limits but can be a stepping stone to better credit in the future.
Poor Credit (Below 580): If your credit rating is poor or you have a limited credit history, secured credit cards may be your best option. These cards require a security deposit but can help you establish or rebuild your credit.

4. Research and Compare
Once you’ve identified the credit card category that matches your credit rating, it’s time to research and compare your options. Don’t rush into the first offer that comes your way. Take the following steps to make an informed decision:

Compare Interest Rates: Look for cards with competitive interest rates, especially if you plan to carry a balance. A lower interest rate can save you money in the long run.
Fees and Charges: Read the fine print to understand annual fees, late fees, and other charges associated with the card. Choose a card with fees that align with your financial situation.
Rewards and Benefits: If you’re interested in rewards, evaluate the rewards programs offered by different cards. Consider whether cash back, travel miles, or points align with your spending habits and goals.
Credit-Building Features: If you’re working on improving your credit, opt for a card that reports your payment history to the credit bureaus. This will help you rebuild your credit over time.

5. Apply Responsibly
Once you’ve found the perfect credit card for your credit rating, it’s time to apply. Here are some tips to ensure a responsible application process:

Don’t Apply for Multiple Cards at Once: Each credit card application can result in a hard inquiry on your credit report, which can temporarily lower your credit score. Apply for one card at a time and wait for a response before considering another.
Complete the Application Accurately: Provide accurate information on your application, including your income, employment, and personal details. Any discrepancies could lead to a denial.
Read and Understand the Terms: Before accepting a credit card offer, read and understand the terms and conditions. Be aware of the interest rate, fees, and any introductory offers.

Final Thoughts
choosing the right credit card based on your credit rating is a crucial step toward financial stability and freedom. By knowing your credit rating, matching it to the right card, researching and comparing options, and applying responsibly, you can set yourself on the path to better financial health. Remember, your credit rating isn’t set in stone; responsible credit card usage can help you improve it over time. So, take the time to make an informed choice and watch as your financial future unfolds with greater ease and opportunity.


Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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