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Self - Credit Builder Account + Secured Visa® Credit Card

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

Highlights

  • Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check.
  • 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 Self Visa® Credit Card* is accepted at millions of locations in the U.S.
    *All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState Bank, N.A. Member FDIC, Equal Housing Lender. 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. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Sunrise Banks, N.A., Member FDIC or SouthState Bank, N.A., Member FDIC. The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender. Individual results will vary. Visit self.inc for more details.
See additional details for Self - Credit Builder Account + Secured Visa® Credit Card

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now
Net First Platinum
Apply Now on 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 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

First Access Visa® Card

Credit Recommended:
Fair
Apply Now
First Access Visa® Card
Apply Now On the First Access Visa® Card secure website
Credit Recommended:
Fair
Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Recommended
Fair
Apply Now On the First Access Visa® Card secure website
Cash Advance APR
35.99%*
Late Payment Fee
Up to $41.00*
Return Payment Fee
Up to $41.00*

Highlights

See additional details for First Access Visa® Card

Total Visa® Card

Credit Recommended:
Fair/Bad Credit
Apply Now
Total Visa® Card
Apply Now on the Total Visa® Card secure website.
Credit Recommended:
Fair/Bad Credit
Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Recommended
Fair/Bad Credit
Apply Now on the Total Visa® Card secure website.
Cash Advance APR
35.99%*
Late Payment Fee
Up to $41.00*
Return Payment Fee
Up to $41.00*

Highlights

See additional details for Total Visa® Card

Milestone® Mastercard®

Credit Recommended:
Fair/Good
Apply Now
Milestone® Mastercard®
Apply Now on Milestone Mastercard® secure website.
Credit Recommended:
Fair/Good
Regular APR
See terms
Credit Recommended
Fair/Good
Annual Fee
See terms
Apply Now on 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
See additional details for Milestone® Mastercard®

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now
OpenSky® Plus Secured Visa® Credit Card
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Regular APR
29.99% (variable)
Annual Fee
$0
Credit Line
$300-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
No credit, Poor, Fair
Late Payment Fee
Up to $40
Cash Advance APR
29.99% (variable)

Highlights

  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit - as low as $300.
  • 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
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
See additional details for OpenSky® Plus Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

Credit Recommended:
Poor
Apply Now
OpenSky® Secured Visa® Credit Card
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
22.64% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
Poor
Cash Advance APR
22.64% (variable)
Late Payment Fee
Up to $38

Highlights

  • 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
See additional details for OpenSky® Secured Visa® Credit Card

Destiny Mastercard®

Credit Recommended:
Poor to Good
Apply Now
Destiny Mastercard®
Apply Now on 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 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 online credit card application for details on the terms and conditions.

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Issuers

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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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