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Total Visa® Card (Direct)

TOTAL Visa® is for people with a checking account who want a true Visa credit card that does not require perfect credit for approval. Apply now to get a response online in seconds.

Annual Fee

See website for Details*

Regular APR

See website for Details*

Credit Recommended

See website for Details*

  • TOTAL Visa® is for people with a checking account who want a true Visa credit card that does not require perfect credit for approval. Apply now to get a response online in seconds.
  • Applying is quick & easy with our SECURE online application.
  • Review the terms and conditions, submit your application & get your credit decision!
  • If approved, pay the $89 Program Fee** to open your account.

Low Interest Cards

CreditSoup's Low Interest Cards gives consumers the opportunity to search, compare, and apply for a full range of Low Interest Cards. Consumers will find everything from Credit Cards to Credit Reports in one easy to navigate site

Annual Fee

See website for Details*

Regular APR

See website for Details*

Credit Recommended

Fair/Good/Limited/No Credit/Good/Excellent

  • Best for those who carry a balance from month to month
  • Save even more with $0 annual fee card options
  • 0% APR introductory rates on purchases and balance transfers up to 18 months
  • Get even more value by earning 0% APR on a rewards-earning credit card
  • Credit needed: Excellent/Good
  • Terms vary by partner. Please see the card application for product terms and conditions.
  • Clicking Apply Now will take you to CreditSoup.com to compare Low Interest Credit Cards from participating partners

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card. This card is best marketed to those with Fair, Poor, Bad, or No Credit.

Annual Fee

$48

Regular APR

9.99% Fixed

Credit Recommended

Poor/Fair/Limited/Damaged

  • 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

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

Chase Freedom Flex℠

Annual Fee

$0

Regular APR

14.99% - 23.74% Variable

Rewards Rate 1

5% cash back offer

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 23.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Upgrade Triple Cash Rewards Visa®

Cash Advance APR

$0

Regular APR

14.99% - 29.99%

Credit Recommended

(620+) Excellent, Good, Fair, Average

  • Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • 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

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Annual Fee

$0

Regular APR

12.99% to 26.99% Variable

Credit Recommended

Excellent/Good/Limited/No Credit

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • 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
  • Variable APRs range from 12.99% – 26.99%
  • 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.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC

Citi® Diamond Preferred® Card

Annual Fee

$0

Regular APR

13.74% - 23.74% (Variable)

Cash Advance APR

25.24% (Variable)

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Upgrade Cash Rewards Visa®

Annual Fee

$0

Regular APR

8.99%-29.99%

Credit Recommended

Excellent, Good, Fair, Average

  • 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

Petal® 1 "No Annual Fee" Visa® Credit Card

Credit Limit

$300 - $5,000

Regular APR

19.99 - 29.49% Variable

Credit Recommended

Fair/Bad/Limited/No Credit

  • $0 Annual Fee
  • $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
  • Variable APRs range from 19.99% – 29.49%
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Upgrade Bitcoin Rewards Visa®

This program gives consumers the opportunity to apply for the Upgrade Bitcoin Rewards Visa®.

Annual Fee

$0

Regular APR

8.99% -29.99%

Credit Recommended

(620+) Excellent, Good, Fair

  • Earn 1.5% unlimited cash back in bitcoin when you make payments
  • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
  • No annual fees, no foreign transactions fees
  • Get pre-approved in seconds with no impact to your credit score
  • Pay with your phone or device by using Apple Pay™ or Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Upgrade Triple Cash Rewards Visa®

The Upgrade Triple Cash Rewards Visa® card combines the flexibility of a card with the low cost and predictability of a loan.

Annual Fee

$0

Regular APR

14.99% - 29.99%

Credit Recommended

(620+) Excellent, Good, Fair, Average

  • Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • 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