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 Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

24.99% - 29.99% APR

Rewards

N/A

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • 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 TransUnion* (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

Card Details Page

Upgrade Visa® Card with Cash Rewards

Earn 1.5% unlimited cash back on card purchases every time you make a payment

Rating

Credit Brand Visa®
Credit Needed

Fair to Excellent

Annual Fee

$0.00

Regular APR

8.99%-29.99% APR

Rewards

1.5%

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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

Link to Rates and Terms

Card Details Page

Destiny Mastercard®

Get access to the credit you need, no deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Poor to Good

Annual Fee

$59-$99

Regular APR

24.9%

Rewards

n/a

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

Card Details Page

Jasper Cash Back Mastercard®

Credit Line: Up to $5,000

Rating

Credit Brand Mastercard®
Credit Needed

Excellent, Good, Limited

Annual Fee

$0

Regular APR

15.49%-24.99% (Variable)

Rewards

See Terms Below

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • Up to 6% cash back by referring friends!
  • Start with 1% and get an extra 0.5% for a full year for every friend you bring on board.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing.
  • Your cash back maximum varies based on your credit limit.
  • See Jasper’s terms and fees
  • Issued by WebBank, Member FDIC

Card Details Page

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Rating

Credit Brand Visa®
Credit Needed

Poor/Limited

Annual Fee

*See Terms

Regular APR

*See Terms

Rewards

n/a

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

• Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
• Reports to All Three Major Credit Bureaus
• Access Additional Credit with On-Time Payments and Responsible Usage
• Fixed APR and Manageable Monthly Payments
• A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

Card Details Page

First PREMIER® Bank Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Poor

Annual Fee

See Issuer Website

Regular APR

See Issuer Website

Rewards

n/a

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you’re approved!
  • YOU’RE NOT ALONE – As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
  • Manageable credit limit, manageable payment, meant to fit your budget

*Build credit by keeping your balance low and paying all your bills on time every month.

Card Details Page

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Seeing if you Pre-Qualify is fast, easy, and secure

Rating

Credit Brand Visa®
Credit Needed

Poor

Annual Fee

$0 - $99

Regular APR

17.99% to 23.99% Variable

Rewards

Get 1% cash back rewards on eligible purchases - See Terms

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

Credit One Bank® is one of America’s leading credit card providers, serving millions of card members nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • Rewards post automatically to your account each month
  • Automatic reviews for credit line increase opportunities
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®

Card Details Page

Net First Platinum

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged credit to Fair credit

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

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 could be available to you faster than you ever thought possible.

Card Details Page

Credit One Bank® Visa® with Free Credit Score Access

Rating

Credit Brand Visa®
Credit Needed

Poor

Annual Fee

$0 - $99

Regular APR

17.99% to 23.99% Variable

Rewards

Get 1% cash back rewards on eligible purchases - See Terms

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

Credit One Bank® is one of America’s leading credit card providers, serving millions of card members nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It’s fast, easy, and secure.
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply

Card Details Page

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Updated for

Wed 09 Jun 2021

Full Details

Card Page

Highlights

  • 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.

Card Details Page

Additional Resources

Credit Spotlight: Applied Bank® Unsecured Classic Visa® Card

It’s not easy to obtain a credit card if you have bad credit or no credit. This is even more so the case if you’re interested in an unsecured (no security deposit required) credit card. Fortunately, you have plenty of options, with the Applied Bank® Unsecured Classic Visa® Card at the top of the list. Not only is this an unsecured credit card, but it’s backed by Applied Bank and powered by Visa. Features and Benefits of the Applied Bank®
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4 Ways to Get a Higher Limit on Your Credit Card

4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
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Comparing Credit Cards? 5 Questions to Answer

With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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Your FICO Score and Getting the Best Credit Card

Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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Choose the Right Credit Card for Your Credit Score

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
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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).

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