RESOURCES TO HELP BUILD YOUR CREDIT

Building your credit takes time but knowing the right and best resources is a big help. The credit card products on this page can help you build, rebuild, or reestablish your credit history.

Unsecured Credit Card For People Wanting to Rebuild Their Credit

These are unsecured credit cards for people with bad credit who want the opportunity to rebuild their credit score.

First Access Visa® Card

Earn 1% cash back rewards on payments made to your First Access Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
No security deposit, simply pay a one-time $95 program fee to open your account.*
User friendly Mobile App.
*See Rates, Fees, Costs & Limitations for complete offer details
See First Access Rewards Programs Terms & Conditions for details

Intro Rate	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Recommended
N/A	N/A	35.99%	$75.00 1st year, $48.00 after	N/A	Fair

FIT™ Platinum Mastercard®

$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
Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
Checking Account Required

Regular APR	Annual Fee	Return Payment Fee	Late Payment Fee	Credit Recommended
$99	See Terms	Up to $41.00	Up to $41.00	Fair/Poor/Bad

Applied Bank® Unsecured Classic Visa® Card

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

Regular APR	Late Payment Fee	Return Payment Fee	Credit Recommended	Annual Fee
29.99%	Up to $38	Up to $38	Poor/Damaged Credit	See website for Details*

Reflex® Platinum Mastercard®

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
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

Regular APR	Credit Limit	Annual Fee	Late Payment Fee	Return Payment Fee	Credit Recommended
29.99% APR (Variable)	up to $1,000	$75 - $125	Up to $41.00	Up to $41.00	Fair/Poor/Bad/Limited

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
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
Online account access 24/7
Checking Account Required

Regular APR	Late Payment Fee	Return Payment Fee	Intro Rate	Intro Period	Annual Fee
29.99% APR (Variable)	Up to $41.00	Up to $41.00	See website for Details*	See website for Details*	$75 - $125

Total Visa® Card

Earn 1% cash back rewards on payments made to your Total Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
No security deposit, simply pay a one-time $95 program fee to open your account.*
User friendly Mobile App.
*See Rates, Fees, Costs & Limitations for complete offer details
See Total Card Visa Rewards Programs Terms & Conditions for details

Regular APR	Cash Advance APR	Annual Fee	Late Payment Fee	Return Payment Fee	Credit Recommended
35.99%*	35.99%*	$75.00 1st year, $48.00 after*	Up to $41.00*	Up to $41.00*	Fair/Bad Credit

GUARANTEED APPROVAL CATALOG CARD

These are great credit builders. You get a line of credit that you can use to buy merchandise from their catalog. They will usually report your line of credit to the credit bureaus and even though you can only buy things from their catalog when you see the line of credit on your credit report it just looks like an unsecured credit card!

NET FIRST PLATINUM

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 (Usable only at TheHorizonOutlet.com) 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
*See Card for Details

Credit Line	Regular APR	Monthly Fee	Credit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)	0% APR	See website for Details*	Damaged credit to Fair credit

SECURED CREDIT CARDS

These are the oldest form of credit builder out there! People have been using secured credit cards for years as the starting point to building credit. They are great for college students to show them how to manage credit for the first time and they are great for the person with bad credit to start rebuilding. My best friend used a secured credit card about a year after a nasty divorce and bankruptcy. After 1 year of on time payments they made her secured card unsecured! Guaranteed approval and you set your credit limit by the amount of security you put down.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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

Regular APR	Annual Fee	Credit Line	Credit Recommended	Brand Name	Security Deposit
9.99% Fixed	$48	$200 - $1,000	Poor/Fair/Limited/Damaged	Visa®	$200 - $1,000

Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button you can review the credit card terms and conditions on the credit card issuer’s web site.

MONITOR YOUR CREDIT SCORE

As you start building your credit it’s important to utilize a credit monitoring system. Not only will it protect you from identity theft but you will also have a monthly record of all your credit building activities. If you are rebuilding after having bad credit, visually seeing your credit score improve can be very motivating!

These Credit Cards Help You Build Or Rebuild Your Credit