You now have a choice!
The Credit Cards listed on this page have been closely scrutinized and will assist you in building or re-building your credit profile. We have selected a number of Secured Cards......AND UNsecured Cards. We have rated them and have listed the benefits and downfalls of each card listing their fees and APR. This will need to be something you closely look at in choosing a Card. PLEASE READ ALL INFORMATION WHEN APPLYING FOR ANY CARD. Read the contract when you go to sign up so that you are very clear about what you are signing up for......no surprises! All of these credit cards report to the credit bureaus!
Building or Re-Building NEW Credit Lines!
Public Savings Bank Classic Secured VISA Card
Review: The Public Savings Bank Classic Secured VISA Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month.
Because the Public Savings Bank Classic Secured VISA Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder's credit limit. The minimum deposit for this card is $200, the maximum is $10,000.
The interest rate for the Public Savings Bank Classic Secured VISA Card is reasonably low, and the Public Savings Bank Classic Secured VISA Card has no annual fee. The application fee is $79.
Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Classic Secured VISA Card has to offer.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): Reports to all 3 major credit bureaus monthly.
Least Attractive Feature(s): Interest not earned on deposit amount.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.
Next Millennium MasterCard® - By New Millennium Bank
Review: The Next Millennium MasterCard®, issued by New Millennium Bank, is a secured card designed for people who have no credit history or who have had problems with credit in the past.
This secured card establishes an interest yielding collateral savings account on behalf of the cardholder. Each deposit is funded by the cardholder and is applied to the credit limit, which can be as much as $5,000. Currently, the savings account earns an APR of 3% (6% for the first three months, 2% for the next nine months). Because the savings account serves as collateral for the secured card, cardholders will not be able to withdraw money from the account.
The card has a fixed APR for both purchases and cash advances. The APR is considered high, even for a secured credit card. There is a $59 annual fee that applies for this card. This is in addition to the initial $35 processing fee (for one card) or a $49 fee (for two cards). If a cardholder is applying with a co-applicant, a $10 processing fee will be required. If a cardholder requires rush processing, the fee for that service is $10. There are no monthly activity fees for this card. If you are not approved for this credit card offer, the application fees will be refunded.
The Next Millennium MasterCard® is a good option for people who need to establish credit history with the three major credit bureaus, while earning interest on the amount deposited as collateral on the account.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): Deposits earn interest; guaranteed approval; no credit check.
Least Attractive Feature(s): No introductory offers; no grace period.Note: The review of this card was updated on 3-31-2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc
Platinum Zero™ Secured Visa® Credit Card from Applied Bank® - By Applied Bank
Review: The Platinum Zero™ Secured Visa® Credit Card from Applied Bank® is a secured card. This card is designed for those with limited or poor credit history.
The major benefit of this card is that there is a 0% APR on purchases. Also, unlike most secured credit cards, this card provides additional services and benefits, including online account access and various fraud protection services. A downside is that this card does not pay interest to the deposit amount, which sets it apart from other secured cards that do.
Those who do not mind accumulating finance charges once a transaction is posted will benefit most from the very low rate that the Platinum Zero™ Secured Visa® Credit Card from Applied Bank® has to offer.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): Timely credit bureau reporting; no application fee.
Least Attractive Feature(s): Minimum deposit; monthly fee.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.
First Option Visa® Card - By New Millennium Bank
Review: The First Option Visa® Card, issued by New Millennium Bank, is a secured card designed for people who have no credit history or who have had problems with credit in the past.
This secured card establishes an interest yielding collateral savings account on behalf of the cardholder. Each deposit is funded by the cardholder and is applied to the credit limit, which can be as much as $5,000. Currently, the savings account earns an APR of 3% (6% for the first three months, 2% for the next nine months). Because the savings account serves as collateral for the secured card, cardholders will not be able to withdraw money from the account.
The card has a fixed APR for both purchases and cash advances. The interest rate is considered high, even for a secured card. There is a $59 annual fee, in addition to an initial $99.95 processing fee that will be drafted once the cardholders identification is verified. There are no monthly activity fees for this card. If you are not approved for this card, the processing fee will be refunded.
The First Option Visa® Card is a great option for people who need to establish credit history with the three major credit bureaus and who want to earn a generous interest rate on their deposits while doing so.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): Deposits earn interest; guaranteed approval; no credit check.
Least Attractive Feature(s): No introductory offers; no grace period.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.
New Millennium Bank Secured Gold Visa® / MasterCard®
Review : The New Millennium Bank Secured Gold Visa® / MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases.
Although the APR that is applied to purchases is high for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. This card also has a no credit check and no turn-down policy.
There is an annual fee of $59, which is slightly above average for a secured card, as well as a one-time processing fee of $69.95 ($99.95 if the applicant would like to be issued both a Visa® and a MasterCard®).
It is important to note that a drawback of the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.
Therefore, those who do not mind accumulating finance charges once a transaction is posted and can afford the $300 minimum deposit will benefit most from what the New Millennium Bank Secured Gold Visa® / MasterCard® has to offer.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): No credit check for new applicants; guaranteed approval.
Least Attractive Feature(s): No grace period; annual fee.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.
New Millennium Bank Secured Platinum Visa®/MasterCard® - By New Millennium Bank
Review: The New Millennium Bank Secured Platinum Visa®/MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits, including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases. Perhaps the best benefit is the free companion airline ticket, which is awarded to cardholders upon approval.
The card offers a free membership to TheWorldsBestTravelClub.com, which offers discounts on a variety of travel services and provides cardholders with a $69 cash rebate on their first condo booking. The card also offers referral program that rewards cardholders with up to $50 per approved referral.
Although the APR applied to purchases is high for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. This card also has a no credit check and no turn-down policy.
There is an annual fee of $59, which is slightly above average for a secured card, as well as a one-time processing fee of $99.95 ($129.95 if the applicant would like to be issued both a Visa® and a MasterCard®).
It is important to note that a drawback of the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.
Therefore, those who do not mind accumulating finance charges once a transaction is posted and can afford the $300 minimum deposit will benefit most from what the New Millennium Bank Secured Platinum Visa®/MasterCard® has to offer.
Updated: Wednesday,March 31, 2010
Most Attractive Feature(s): No credit check for new applicants; guaranteed approval; free companion ticket upon enrollment; travel-related benefits.
Least Attractive Feature(s): No grace period; annual fee.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.
Ultra VX Visa® Card - By New Millennium Bank
Review : The Ultra VX Visa® Card, issued by New Millennium Bank, is a stored value card designed for those who are looking for an above average secured card that also offers a reward program.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide a rewards program. With Clear Rewards, cardholders receive one point per dollar spent on purchases. Points can be redeemed for travel rewards with Southwest Airlines, American Airlines, JetBlue, and more.
Although there is no annual fee, there is an account set up fee of $29.95. There is also a monthly participation fee of $6.95 that amounts to $83.40 annually. In total, cardholders can expect to pay $113.35 in fees during their first year. This card also offers instant approval (no credit check, no minimum income, no bank account required), and reports to the major credit bureaus.
Therefore, those who are looking for an above average secured card that also offers a rewards program and would like a card with limited fees may find the Ultra VX Visa® Card to be a beneficial option.
Updated: Friday, March 26, 2010
Most Attractive Feature(s): Access to reward program; no annual fee.
Least Attractive Feature(s): Application fee; monthly maintenance fee.Note: The review of this card was updated on 3/26/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc
New Millennium Bank Secured Black Diamond Visa®/MasterCard®
Review : The New Millennium Bank Secured Black Diamond Visa®/MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases. Perhaps the best benefit is the free companion airline ticket, which is awarded to cardholders upon approval. The card also offers a referral program that rewards cardholders with up to $50 per approved referral.
Although the APR applied to purchases is high for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. This card also has a no credit check and no turn-down policy.
There is an annual fee of $59, which is slightly above average for a secured card, as well as a one-time processing fee of $99.95 ($129.95 if the applicant would like to be issued both a Visa® and a MasterCard®).
It is important to note that a drawback of the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.
Therefore, those who do not mind accumulating finance charges once a transaction is posted and can afford the $300 minimum deposit will benefit most from what the New Millennium Bank Secured Black Diamond Visa®/MasterCard® has to offer.
Updated: Wednesday, March 31, 2010
Most Attractive Feature(s): No credit check for new applicants; guaranteed approval; free companion ticket upon enrollment.
Least Attractive Feature(s): No grace period; annual fee.Note: The review of this card was updated on 3/31/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc
Escape by Discover® Card
The Escape by Discover® Card, issued by Discover, is a travel rewards card that is perfect for people who are interested in earning travel miles quickly.
The rewards program offers cardholders 1,000 miles for each month a purchase is made for the first 25 months of opening an account (for a total of 25,000 Bonus Miles*). At the same time, cardholders will have the flexibility of earning unlimited Double Miles on all of their personal and business purchases. Miles never expire and can be redeemed for booking any airline, cruise, hotel stay, or car rental. You can also exchange your miles for gift cards to 90 brand-name partners or for cash starting at just 1,000 miles.
In addition to the rewards program, cardholders will also enjoy enhanced travel benefits including car rental insurance, lost luggage insurance, travel delay insurance, and travel cancellation insurance.
While there is a $60 annual fee requirement for this card, cardholders will enjoy a 0% APR on purchases and balance transfers for the first six months of opening an account. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available.
Those who plan to take advantage of the introductory rate and the travel reward program will find that the Escape by Discover® Card has a great deal to offer.
Review Date:3/1/2010
Most Attractive Feature(s): 0% introductory rate; reward program; bonus miles.
Least Attractive Feature(s): Annual fee; low rate not available to all applicants.
Additional Perks
Various Internet account related services.
Primary Car Rental Insurance.
Lost or Damaged Luggage Insurance.
Travel Delay Insurance.
Trip Cancellation Insurance.
See website for additional benefits.
Unsecured CC’s
Biodegradable Discover® More Card
Show off your eco-savvy with the Biodegradable Discover® More Card! Issued by Discover, the Biodegradable Discover® More Card is the only credit card that will biodegrade in landfill or compost-like conditions.
This card is as easy on your wallet as it is on the planet. Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically.
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.
This card currently has a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. The APR for this card is reasonable for those who qualify.
Aside from the rewards program, this credit card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers.
Those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and who plan to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the Biodegradable Discover® More Card has to offer.
*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.
Review Date: 10/8/2009
Most Attractive Feature(s): Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Least Attractive Feature(s): Low rate not available to all applicants.
Additional Perks
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
Important Notations
*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 11.99% - 18.99%.
See the online Discover credit card application for details about terms and conditions. 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 Discover?s website.
Note: The review on this card was updated on 10/8/2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by CardOffers.com, Inc.
IberiaBank Visa® Classic Card
The IberiaBank Visa® Classic Card, issued by IberiaBank, is designed for those with average credit who may occasionally carry a balance.
The card has no annual fee and offers a low introductory rate that can be applied towards balance transfers for the first six months. Although this card does not offer a rewards program, it does offer access to common services and benefits, including online account access and lost and stolen card reporting.
Therefore, those who are looking for an average credit card, plan to occasionally carry a balance, and do not care for any extraordinary benefits or discounts will benefit most from what the IberiaBank Visa® Classic Card has to offer.
Review Date: 8/20/2009
Most Attractive Feature(s): No annual fee.
Least Attractive Feature(s): No rewards program.
Additional Perks
Various internet account services.
Lost and stolen card reporting.
See website for additional benefits.
Important Notations
*This APR may vary with the market based on the Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
PEX Visa® Prepaid Card For Business
Provide your employees with a reloadable prepaid card for business expenses.
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Trial offer - first 2 months free
Trial offer - first 2 months free •Manage spending for staff in the field
Manage spending for staff in the field •Alternative to credit cards, petty cash, check reimbursements
Alternative to credit cards, petty cash, check reimbursements •Enforce budgets with individual card balances
Enforce budgets with individual card balances •Control spending by merchant category and daily limits
Control spending by merchant category and daily limits •Online program management
Online program management •No transaction or card load fees - simple pricing
No transaction or card load fees - simple pricing •No credit check required
No credit check required
The Juniper MasterCard® Prepaid Card
Sign up for the The Juniper MasterCard® Prepaid Card today!
Get approved with no credit check or bank account required.
Save money with no transaction fees on your purchases.
No monthly fee with Direct Deposit (Direct Deposit is FREE)
Access cash at millions of ATMs worldwide
Use anywhere MasterCard® Debit is accepted
Get access to exclusive discounts through the MasterCard SavingsTM program
See details, terms, and application.
The Mango™ MasterCard® Prepaid Card
FREE Prepaid MasterCard
$0 Activation Fee
FREE Direct Deposit
FREE unlimited purchase / signature transactions
FREE account management online or with your mobile phone
FREE to check your balance with your mobile phone
No monthly fee when you load $500/month
Send money with your mobile phone
Load cash at tens of thousands of retailers nationwide
No credit check, no bank account needed, no overdraft fees
ext.
YAP™ MasterCard Prepaid Card
Send and Receive Money Securely With Your Mobile Phone
FREE MasterCard Prepaid Card & FREE Shipping
FREE Instant Virtual Card – Shop Online Today!
FREE Direct Deposit
FREE Unlimited Purchase/ Signature Transactions
FREE Check Your Balance With a Text Message
$0 Activation Fee
$0 First Monthly Fee – Try it For FREE
$0 Monthly Fee When You Load at Least $500 Per Month (Otherwise Only $5!)
No Hidden Fees / No Overdraft Fees
Fully FDIC Insured
No Credit Check/ No Bank Account Required
FREE Account Management – Over the phone, online, with iPhone Yapplet, WAP site or text messages.
