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Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on the issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended
Damaged credit to Fair credit

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
See additional details for Net First Platinum

*See Card for Details

Self - Credit Builder Account + Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Get Started
Self - Credit Builder Account + Secured Self Visa® Credit Card
Get Started on the Self's secure website.
Credit Recommended:
None/Poor
Primary Benefit
Build credit and savings at the same time.
Credit Check
No Hard Credit Check Required
Products Offered
Credit Builder Account and Self Secured Credit Card
Get Started on the Self's secure website.
Credit Recommended
None/Poor
Loan Amount
See website for details*

Highlights

  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa® Credit Card*, without a hard credit check. Criteria subject to change.
  • Build credit and savings at the same time.
  • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
  • At the end of your plan, unlock the savings you built - minus interest and fees.
  • The secured Self Visa® Credit Card is accepted at millions of locations in the U.S.
    *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. The Secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.
    ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
See additional details for Self - Credit Builder Account + Secured Self Visa® Credit Card

Milestone® Mastercard®

Credit Recommended:
Fair/Good
Apply Now
Milestone® Mastercard®
Apply Now on the Milestone Mastercard® secure website.
Credit Recommended:
Fair/Good
Regular APR
See terms
Credit Recommended
Fair/Good
Annual Fee
See terms
Apply Now on the Milestone Mastercard® secure website.
Card Brand
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

Highlights

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

Destiny Mastercard®

Credit Recommended:
Poor to Good
Apply Now
Destiny Mastercard®
Apply Now on the Destiny Mastercard® secure website.
Credit Recommended:
Poor to Good
Regular APR
See terms
Annual Fee
See terms
Credit Recommended
Poor to Good
Apply Now on the Destiny Mastercard® secure website.
Brand Name
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

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!
See additional details for Destiny Mastercard®

Imagine® Visa® Credit Card

Credit Recommended:
Fair/Poor
Apply Now
Imagine® Visa® Credit Card
Apply Now on the Imagine Card secure website.
Credit Recommended:
Fair/Poor
Credit Line
Up to $1,000 credit limit subject to credit approval
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Regular APR
36% Fixed
Apply Now on the Imagine Card secure website.
Annual Fee
As low as $99
Credit Recommended
Fair/Poor
Card Brand
Visa®

Highlights

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • No Security Deposit
  • The Imagine Card is issued by WebBank
  • Review Cardholder Agreement for rate and fee information
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
See additional details for Imagine® Visa® Credit Card

The Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Apply Now
The Secured Self Visa® Credit Card
Apply Now on the Self's secure website.
Credit Recommended:
None/Poor
Credit Line
Starts at $100 and is equal to your deposit
Minimum Deposit
$100 minimum security deposit*
Credit Check
No Hard Credit Check Required
Apply Now on the Self's secure website.
Regular APR
28.24% Variable
Credit Recommended
None/Poor
Annual Fee
Intro - $0 ($25 Annual Fee after the first year.)^

Highlights

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
    *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
    The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
See additional details for The Secured Self Visa® Credit Card

OpenSky Launch Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky Launch Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$100- $1,000
Minimum Deposit
$100
Apply Now on the Capital Bank N.A. secure website.
Regular APR
28.99% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Recommended
No credit, Poor, Fair

Highlights

  • Start building credit with just $100 – secure you line with a low, refundable security deposit
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • Earn up to 10% cash back on everyday purchases
  • Affordable payments – minimum payment as low as $10
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky Launch Secured Visa® Credit Card

Indigo® Mastercard® - $1,000 Credit Limit

Credit Recommended:
Fair
Apply Now
Indigo® Mastercard® - $1,000 Credit Limit
Apply Now on the Indigo® Mastercard® secure website.
Credit Recommended:
Fair
Credit Limit
$1000
Regular APR
35.90%
Monthly Fee
$0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)
Apply Now on the Indigo® Mastercard® secure website.
Cash Advance APR
35.90%
Cash Advance Fee
$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
Credit Recommended
Fair

Highlights

  • Get the credit limit you deserve—$1,000 guaranteed if approved
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Get the credit you deserve, even with less-than-perfect history.
  • Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Don't Have Perfect Credit? No Problem!
  • No security deposit, just purchasing power.

Destiny® Mastercard® with Instant Credit

Credit Recommended:
Fair
Apply Now
Destiny® Mastercard® with Instant Credit
Apply Now on the Destiny Mastercard® secure website.
Credit Recommended:
Fair
Regular APR
35.90%
Annual Fee
$175 the first year; $49 thereafter
Credit Recommended
Fair
Apply Now on the Destiny Mastercard® secure website.
Brand Name
Mastercard
Credit Limit
$700
Cash Advance Fee
$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

OpenSky® Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Credit Line
$200-$3000 at time of application
Annual Fee
$35
Apply Now on the Capital Bank N.A. secure website.
Regular APR
24.64% (variable)
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
24.64% (variable)

Highlights

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
See additional details for OpenSky® Secured Visa® Credit Card

Indigo® Mastercard® for Less than Perfect Credit

Credit Recommended:
Bad/Poor/Fair
Apply Now
Indigo® Mastercard® for Less than Perfect Credit
Apply Now On the Indigo® Mastercard® secure website
Credit Recommended:
Bad/Poor/Fair
Credit Limit
$700
Regular APR
35.9%
Foreign Trans Fee
1% of each transaction in U.S. dollars
Apply Now On the Indigo® Mastercard® secure website
Annual Fee
$175 - $199
Credit Recommended
Bad/Poor/Fair
Card Brand
Mastercard®

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Mastercard® for Less than Perfect Credit
Rates & Fees

Upgrade Life Rewards Visa®

Credit Recommended:
See website for Details*
Apply Now
Upgrade Life Rewards Visa®
Apply Now on the Upgrade secure website.
Credit Recommended:
See website for Details*
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
14.99% -29.99%
Apply Now on the Upgrade secure website.
Intro Transfer APR
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • No annual fee
  • Pay no interest when you pay your full balance early**
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for everyday expenses and large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy
See additional details for Upgrade Life Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card oer and may not be available for other Upgrade Card offers.

**By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

Rates & Fees

Destiny® Mastercard® with $1,000 Credit Limit

Credit Recommended:
Fair
Apply Now
Destiny® Mastercard® with $1,000 Credit Limit
Apply Now on the Destiny Mastercard® secure website.
Credit Recommended:
Fair
Credit Limit
$1,000
Regular APR
35.90%
Monthly Fee
$0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)
Apply Now on the Destiny Mastercard® secure website.
Cash Advance APR
35.90%
Cash Advance Fee
$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
Credit Recommended
Fair

Highlights

  • A guaranteed $1,000 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • No security deposit, and a path to better credit.

Atlas Rewards Credit Card

Credit Recommended:
All Credit Considered
Apply Now
Atlas Rewards Credit Card
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Considered
Regular APR
0%
Credit Recommended
All Credit Considered
Number of Bureaus
All Three Credit Bureaus
Apply Now on the issuer’s secure website.
Rewards Rate
Up to 3% cash back on Gas, Food Delivery, Coffee Shops and more

Highlights

  • Cash back on gas, subscriptions and more
  • Safe spending limits that grow with you
  • No credit history required

*See online credit card application for details on the terms and conditions.

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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