Unsecured Credit Cards
You can select another poor credit credit card type from the menu bar on the left or browse through the full list of our Unsecured credit cards below.
"Unsecured" cards are for consumers with less than perfect credit, but not as bad to have to put down collateral. They differ from other credit cards in their higher interest rates and higher fees.
First PREMIER Bank MasterCard®
Apply for a Credit Card with Less than Perfect Credit!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 19.55%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for — until December 2008)
Ongoing APR: 19.55%
Cash Advance APR: 22.65%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Reward Program: Saving Zone Discounts
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Issuer: Capital One Bank
APR for Balance Transfers: 19.55%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for — until December 2008)
Ongoing APR: 19.55%
Cash Advance APR: 22.65%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Reward Program: Saving Zone Discounts
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Issuer: Capital One Bank
Features:
- 0% on purchases until December 2008. After that, variable APR, currently 19.55%
- No annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
- Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
*See website for Disclosures.
Capital One® No Hassle CashSM Rewards - Average Credit
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 16.65%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for — until December 2008)
Ongoing APR: 16.65%
Cash Advance APR: 22.65%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Reward Program: At least 1.25 miles/dollar on net purchases*
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Issuer: Capital One Bank
APR for Balance Transfers: 16.65%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for — until December 2008)
Ongoing APR: 16.65%
Cash Advance APR: 22.65%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: $29.00
Reward Program: At least 1.25 miles/dollar on net purchases*
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Issuer: Capital One Bank
Features:
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until December 2008. After that, variable APR, currently 16.65%
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you want
*See website for Disclosures.
Centennial® MasterCard®/Visa®
Reports monthly to 4 Major Credit Bureaus!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Features:
- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Total Visa® Card
The VISA Card for people with "less than perfect" credit.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Issuer: Plains Commerce Bank
Features:
- Instant On-Line Decision
- Free 24 hour Online Account Access
- Monthly Reporting to All Major Credit Bureaus
- Fraud Protection
- Outstanding Customer Service
See Rates, Fees & Other Costs.
Rewards 660 Visa® Card
Get a Visa® card that rewards you with no fee credit limit increases as often as every 3 months.
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
Issuer: Dakota State Bank
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Annual Fee: $48.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
Issuer: Dakota State Bank
Features:
- Initial payment of $40 required before account can be used
- Proof of minimum $1,000 gross monthly income required to be approved
- $300 Starting Credit Limit
- No Fee Credit Limit Increases
- $75 Increments
*See Rates, Fees & Terms.
Continental Finance MasterCard®
Get a second chance with Continental Finance!
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $250.00
Credit Line: $300-$2,000*
Issuer: First Bank of Delaware
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $50.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $250.00
Credit Line: $300-$2,000*
Issuer: First Bank of Delaware
Features:
- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- No Minimum Monthly Income Requirements
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*See website for other fees, rates, and terms and conditions.
Tribute® Gold MasterCard® Credit Card
Bad credit history? This could be the right card for you!
Summary:
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Issuer: First Bank of Delaware
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Annual Fee: $150*
Late Fee: $35*
Overlimit Fee: $35*
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
Issuer: First Bank of Delaware
Features:
- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Continental Finance Gold MasterCard®
Get a second chance with rates as low as 9.75% APR*!
Summary:
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $225.00
Credit Line: $300-$2,000*
Issuer: First Bank of Delaware
Ongoing APR: 9.75%
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $25.00
Late Fee: $35.00
Overlimit Fee: $35.00
Returned Check Fee: $35.00
Grace Period: 25 Days
Total Initial Charge: $225.00
Credit Line: $300-$2,000*
Issuer: First Bank of Delaware
Features:
- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases*
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Centennial® Gold MasterCard®/Visa®
Your Chance to Apply for the Prestige of GOLD!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Features:
- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
First PREMIER Bank Platinum Credit Card
Here's Your Chance To Apply for A First PREMIER Bank Platinum Credit Card.
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
Orchard Bank Classic MasterCard®
If you do not qualify for the Classic card, you will be offered Secured card!
Summary:
Ongoing APR: Variable 14.90%*
Cash Advance APR: 14.90%
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: $49.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Grace Period: 25 Days
Total Initial Charge: $49.00
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: Variable 14.90%*
Cash Advance APR: 14.90%
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: $49.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Grace Period: 25 Days
Total Initial Charge: $49.00
Issuer: HSBC Bank Nevada, N.A.
Features:
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
View the Credit Terms & Conditions.
First PREMIER Bank Gold MasterCard®
Get the prestige of a Gold card! Credit decisions in less than 60 seconds!
Summary:
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $48.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Issuer: First PREMIER Bank
Features:
- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
MyCreditCardFinder
One site, dozens of offers tailored to you!
Access Visa® Card
Access Visa® for those with less than perfect credit!
Summary:
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Annual Fee: $48.00
Late Fee: $29.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: 25 Days
Total Initial Charge: $200.00
Credit Line: Starting at $250.00
Issuer: Plains Commerce Bank
Features:
- Instant On-Line Decision
- Bad Credit? No Credit? Give Access A Try!
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
See Rates, Fees & Other Costs.