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- Building my credit
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card
Applied Bank® Unsecured Classic Visa® Card
A Chip enabled (EMV) Unsecured Visa Credit Card that does not require perfect credit for approval.
Annual Fee
See website for Details*
Regular APR
29.99%
Credit Recommended
Poor/Damaged Credit
- Get Pre-Qualified in Less Than a Minute
- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM’s and Online!
- A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
- No Penalty Rate. Your Rate Won’t Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible Usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
Destiny Mastercard®
Destiny Mastercard® with Fast Pre-qualification
- 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
First Access Visa® Card
First Access Visa® Card
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Additional Points
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Flare Account®
Bank account product with a debit card.
Activation Fee
See website for Details*
Monthly Fee
See website for Details*
Credit Recommended
See website for Details*
When you make a purchase with the Pink debit card for the Flare Account®, we’ll make a donation to the National Breast Cancer Foundation. Also can get paid up to 2 days faster with Direct Deposit. With an optional Savings Account, earn up to 6.00% Annual Percentage Yield (APY).
First Progress Platinum Prestige Mastercard® Secured Credit Card
This program gives consumers the opportunity to apply for the First Progress Platinum Prestige MasterCard® Secured Credit Card.
Annual Fee
$49
Regular APR
14.24% (V)
Cash Advance APR
23.24% (V)
Credit Recommended
Poor/Limited/No Credit
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
First Progress Platinum Select Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card with a credit line based on a security deposit rather than on a credit score. The card is designed to advance the accumulation of new information in a credit file by reporting account activity to all three of the major national credit bureaus every month.
Annual Fee
$39
Regular APR
18.24% (V)
Cash Advance APR
24.24% (V)
Credit Recommended
Poor/Limited/No Credit
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
FIT® Platinum Mastercard®
The FIT® Platinum Mastercard® is designed for people with less than perfect credit. It features a $400 credit limit.
Annual Fee
See Terms
Regular APR
29.99%
Return Payment Fee
Up to $41
Credit Recommended
Fair/Poor/Bad
- Initial $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- 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 Experian* (When you sign up for e-statements)
- Checking Account Required
Indigo® Mastercard® for Less than Perfect Credit
Don’t let your credit stall–go with indigo®
Complete our Pre-Qualification form and our Card Connnection tool will determine if you are pre-qualified* based on your credit profile.
- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S
Milestone Mastercard®
Complete the Milestone Mastercard® Pre-Qualification form and their CardConnection tool can match the best Milestone Mastercard to you based on your credit profile.
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- Access your account online or from your mobile device 24/7
- Account history is reported to the three major credit bureaus in the U.S.
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit
Complete the Pre-Qualification form and their Card Connection tool can match the best Milestone Gold Mastercard to you based on your credit profile.
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- Access your account online or from your mobile device 24/7
- Protection from fraud, if your card happens to be lost or stolen
Net First Platinum
With the Net First Platinum Card, members can receive our Net First Platinum Card with an initial $750 credit limit provided they are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information.
Credit Line
$750 Limit
Regular APR
0% APR
Monthly Fee
See website for Details*
Credit Recommended
Damaged credit to Fair credit
With the Net First Platinum Card, members can receive our Net First Platinum Card with an initial $750 credit limit provided they are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information.
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.
- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
OpenSky® Secured Visa® Credit Card
This program gives consumers the opportunity to apply for the OpenSky® Secured Visa® Credit Card.
- 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
- 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
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- *View the cardholder agreement
Reflex® Platinum Mastercard®
The Reflex® Platinum Mastercard® is designed for people with less than perfect credit. Credit Limit Range: $300 – $1,000 ($300, $500, $750, $1,000)
Annual Fee
See Terms
Regular APR
29.99% (Variable)
Return Check Fee
Up to $41.00
Credit Recommended
Fair/Poor/Bad/Limited
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- 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)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
Surge® Platinum Mastercard®
Campaign promoting the Surge Mastercard credit card.
Campaign promoting the Surge Mastercard credit card.
- Up to $1000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
Surge® Platinum Secured Mastercard®
Surge Platinum Secured Mastercard® – featuring a $300 refundable security deposit. Allows consumers with less than perfect credit to build their credit with a secured card.
Annual Fee
$69
Regular APR
19.99% Variable
Credit Line
$300
Credit Recommended
All Credit Types Welcome to Apply
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash Back rewards on every purchase
- 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
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
- Checking Account Required
The First Progress Platinum Elite MasterCard® Secured Credit Card
The First Progress Platinum Elite Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.
Annual Fee
$29
Regular APR
24.24% (V)
Cash Advance APR
29.24% (V)
Credit Recommended
Poor/Limited/No Credit
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Unique Platinum
Members are guaranteed to receive our Unique Platinum Card with a $1000 credit line provided they are 18 years of age or older, a legal US resident and have furnished accurate identity and application information.
Regular APR
0%
Monthly Fee
$19.95
Credit Line
$1,000
Credit Recommended
Any Credit Welcome
Guaranteed $1000 Credit Line! Get the things you want today!*
- $1000 Credit Limit
- No Credit Checks
- Instant Approval
- 0% Financing
- No application denied for bad credit!
Credit Essentials
CREDIT ESSENTIALS - $34.99/MO price point to the customer ($1 - 7 Day Trial)
- 3 Bureau Credit Reports & Scores (refreshed every 60 days)
- Up to $1 Million in Stolen Funds Reimbursement
- Family Protection – $25K ID Theft Insurance – ID Fraud Restoration
- Dark Web & Internet Monitoring
- SSN Alerts
Additional Points
- 3 Bureau Credit Reports & Scores (refreshed every 60 days)
- Enhanced 3 Bureau Credit Report Monitoring
- ScoreCasterIQ: New Product – provides a detailed analysis of your credit report, recommended actions to consider with the accounts impacting your score, and an interactive score simulation tool to educate and assist with general credit score scenarios.
- Dark Web & Internet Monitoring
- Up to $1 Million in Stolen Funds Reimbursement
- Coverage for Lawyers and Experts
- Coverage for Personal Expense Compensation
- Family Protection – $25K ID Theft Insurance – ID Fraud Restoration
- IQ Alerts with Application Monitoring
- SSN Alerts
- Synthetic ID Theft Protection
- Change of Address monitoring
- File Sharing Network Searches
- Lost Wallet Assistance
- Checking Account Report
- Opt-out IQ (Junk Mail/Do Not Call List)
- US-Based ID Restoration Service
- Enhanced Credit Report Monitoring
- Alerts on Crimes Committed in Your Name
- Score Change Alerts
- Credit Score Tracker
- Credit Scores Simulator
- Fraud Restoration with LPOA
- Roadside Assistance
- Platinum Benefits
Credit Sesame 100% Free Credit Score & Credit Monitoring
Credit Sesame is the consumer's credit and lending expert, providing smarter financing for your world.
We provide a complete picture of your credit and loans in one place, including your credit score, credit monitoring, personalized financing analysis, and unbiased, pre-qualified loan and savings recommendations – all for free. *Free account is established once a member views their credit score upon providing their personal information, including email, name and SSN.
- Get your credit score for free – no credit card needed
- Free $50K identity theft insurance and ID restoration help
- Checking your credit score does not hurt your score
- Get Your Free Credit Score In Minutes And Start Earning [Cash] Rewards When It Goes Up.
- Only Credit Sesame Gives You Your Free Credit Score & Cash Rewards For Improving It.
Current
Current is the bank for modern life! Open a personal, premium checking account with Current to enjoy benefits such as getting paid up to two days faster, free overdraft up to $100 with Overdrive™, access 55,000 free ATMs, no minimum balance and no hidden fees.
Products Offered
Mobile Banking & Visa Debit Card
Monthly Fee
Basic Account Free, Premium Account $4.99/mo
Brand Name
Visa®
Install the Current app, open the app, create a premium personal checking account, and direct deposit $200 or more from your employer to start earning rewards. With 24/7 member support and points to earn for cash back, Current is the mobile bank that was designed for you and your lifestyle.
- Member funds are insured up to $250,000. Deposits are insured through Current’s partner bank, Choice Financial Group, Member FDIC.
- Current offers accounts for everyone, including teens.
- Members receive instant spending notifications every time you swipe your card for added security.
- Members can instantly send money for free to friends and family with Current Pay.
- Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
Mission Money Debit Card
Manage your money, your way. Introducing a better kind of debit account. No account fees, no minimum balances.
Annual Fee
$0
Card Brand
VISA
ATM Fee
$0 (at in network ATMs)
Credit Recommended
Bad, Good, Poor, Fair, Excellent (All)
You’ll never pay to open, keep, or use your account. Access to 55,000+ ATMs nationwide, fee-free. Withdraw your money when and where you need to. The coverage of VISA®, the security of FDIC. Rest assured your money is safe with us. We’re excited to launch Mission Money, and we’re working to release more features to help you manage your finances, monitor your credit score, and help you navigate your financial path forward. To get started with Mission Money just download this app and complete your application in a few short minutes. It’s that easy! Mission Money is brought to you by Mission Lane LLC, a purpose-driven financial services company that’s on a mission to serve the half of America often overlooked by traditional banks.
Knockout Criteria:
- Credit score range: All credit scores are acceptable, even no credit
- Delinquencies Allowed
- Min Income: No income requirements
- States (any not allowed): No exclusions
- Age range of ideal consumer: 18+
- No account fees, no balance minimum
- Access to 55,000 ATMs nationwide, fee-free
- The coverage of VISA®, the security of FDIC
Points:
- No account fees, no balance minimum
- Access to 55,000 ATMs nationwide, fee-free
- The coverage of VISA®, the security of FDIC
Experian BOOST™
Your Experian Credit Report is Completely FREE.
See it now! No credit card required Checking your own Report doesn’t hurt your credit Report refreshed every 30 days on sign in
- Your Experian Credit Report is Completely FREE. See it now!
- No credit card required
- Checking your own Report doesn’t hurt your credit
- Report refreshed every 30 days on sign in
