If you need a credit card but your worry your limited or bad credit score could prevent acceptance or that your average credit rating means you can’t get the best credit cards available in today’s market, Apply Now Credit can help. We’ve compiled and rated popular credit cards based on unbiased criteria, including features, rewards, expenses and financing costs.

Reflex® Platinum Mastercard®

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

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually

Regular APR

35.90% Fixed

Rewards

N/A

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • 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)
  • 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
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Card Details Page

Avant Credit Card

Fast and easy application process

Rating

Credit Brand Mastercard®
Credit Needed

Fair to Good

Annual Fee

$59

Regular APR

35.99% Variable

Rewards

n/a

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard® ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
  • See the Provider’s terms for more information

Card Details Page

Chime Credit Builder Secured Visa® Credit Card

No Credit Check to Apply

Rating

Credit Brand Visa®
Credit Needed

Limited to Good

Annual Fee

0.00

Regular APR

0.00%

Rewards

n/a

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • No Credit Check to Apply
  • No Minimum Deposit Required*
  • No preset spending limit
  • Doesn’t charge interest*
  • Reports to Experian, Equifax and TransUnion credit bureaus
  • Ability to instantly disable your card to prevent fraud
  • Can be used everywhere Visa is accepted

Card Details Page

GO2bank

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

Rating

Credit Brand Visa®
Credit Needed

All Credit Types Considered

Annual Fee

$0.00

Regular APR

n/a

Rewards

Earn up to 7% cash back when you buy eGift Cards in the app

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • 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.

Card Details Page

Destiny Mastercard®

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

Rating

Credit Brand Mastercard®
Credit Needed

Poor to Good

Annual Fee

See Terms

Regular APR

See Terms

Rewards

n/a

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!

Card Details Page

Kikoff

0% APR and No Hidden Fees

Rating

Credit Brand Mastercard®
Credit Needed

Any Credit Welcome

Annual Fee

$0.00

Regular APR

0.00%

Rewards

N/A

Updated for

Tue 28 May 2024

Full Details

Card Page

Highlights

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A  tradeline from $750 up to $2,500
  • Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Card Details Page

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
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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.

Office Location

Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761

Contact Information

Email: support@applynowcredit.com
Phone: Customer Service

General Disclaimer

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, 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).

Editorial Note

Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).