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On Merrick Bank‘s site

Best Credit Cards for Low Income Earners of September 2022

Compare 103 credit cards for low income on Myfin.us.

Updated September 27, 2022

Best Credit Cards for Low income in September 2022

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Double Your Line® Mastercard® Merrick Bank
Annual Fee:
$0 - $72 annually
Regular APR:
21.70% - 30.70% *Variable
Our Rating:
4.1
scorer
Сredit score
No Credit History to Excellent (0-799)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

      Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

      The APR for purchases is 21.70% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

      Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

      Read full review

    • Pros:
      • Double your credit limit
      • Free monthly FICO Score access
    • Cons:
      • Annual Fee
      • Foreign Transaction Fee
    • Benefits:
      • $0 Fraud Liability;
      • Double Your Line®;
      • Exclusive Platinum Mastercard® Benefits.
    View all Double Your Line® Mastercard® details
    Apply now
    On Merrick Bank‘s site
    Card detail

    The Bank of Missouri FIT Mastercard® best for Unsecured

    FIT Mastercard® The Bank of Missouri
    Annual Fee:
    $99 annually
    Regular APR:
    29.99% Variable
    Our Rating:
    3.9
    scorer
    Сredit score
    No Credit History to Poor (0-579)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The Fit Mastercard Credit Card helps to rebuild or build your credit.

        The Fit Mastercard Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

        The FIT Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

        Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

        Read full review

      • Pros:
        • Credit may increase with time
        • Low eligibility requirements
        • Reasonable credit limit
        • No Security deposit
        • Credit Score Access
      • Cons:
        • High extra fees
        • High APR
        • Foreign Transaction Fee
        • No reward program
        • No Sign up Bonus
      • Benefits:
        • $0 Fraud Liability;
        • Initial Credit Limit of $400;
        • Potential Credit Limit Increase After Just 6 Months;
        • Free Monthly Credit Score;
        • Reports to All Three Major Credit Bureaus.
      View all FIT Mastercard® details
      Apply now
      On The Bank of Missouri‘s site
      Card detail
      The Mission Lane Visa® Mission Lane LLC
      Annual Fee:
      $0 - $59
      Regular APR:
      26.99% - 29.99% Variable
      Our Rating:
      3.05
      scorer
      Сredit score
      No Credit History to Fair (0-669)
        • Issuer name:
          Transportation Alliance Bank
        • Details:

          The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

          The annual fee for this card is $0 – $59.

          Read full review

        • Pros:
          • Higher credit lines
          • Reports to the three major credit bureaus
          • Instant credit decision
        • Cons:
          • High variable purchase APR
          • Annual fees up to $59
          • No rewards
          • Foreign transaction fee
          • Not available to everyone
        • Benefits:
          • Clear pricing & no hidden fees;
          • Higher credit lines over time;
          • The tools to help build your credit;
          • Credit-building education;
          • Instant credit decision;
          • All the coverage of Visa®.
        View all The Mission Lane Visa® details
        Apply now
        On Transportation Alliance Bank‘s site
        Card detail
        Upgrade Triple Cash Rewards Visa® Upgrade
        Annual Fee:
        $0
        Regular APR:
        14.99% - 29.99% Regular
        Our Rating:
        3.53
        scorer
        Сredit score
        Fair to Excellent (580-799)
        • Rewards Rate:
          • 3% Cash Back on Home, Auto and Health categories.
          • 1% Cash Back on everything else.
        • Intro Offer:
          • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
        • Details:

          The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

          Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

          The card's APR: 14.99% - 29.99% (Regular APR).

          Apply online and get a credit line from $500 to $25,000 with your Card.

          Read full review

        • Pros:
          • Every Purchase Earns You Cash Back
          • Increased Cash Back for Three Categories
          • Forget About Fees
          • No Limits Abroad
        • Cons:
          • You Can’t Withdraw Cash
          • Cash Back Doesn’t Satisfy Your Monthly Payments
        • Benefits:
          • $200 bonus;
          • 3% Cash Back on home, auto and health purchase;
          • 1% Cash Back on everything else;
          • Сontactless card technology.

          *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

        View all Upgrade Triple Cash Rewards Visa® details
        Apply now
        On Upgrade‘s website
        Card detail

        WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

        Petal® 2 “Cash Back, No Fees” Visa® WebBank
        Annual Fee:
        $0
        Regular APR:
        15.24% - 29.24% Variable
        Our Rating:
        3.8
        scorer
        Сredit score
        No Credit History to Excellent (0-799)
        • Rewards Rate:
          • 1% - 1.5%:
          • Cash Back after making 12 on-time monthly payments.
          • 2% - 10%:
          • Cash Back from select merchants.
        • Issuer name:
          WebBank
        • Details:

          The Petal 2 Card has no fees of any kind and is designed to help you build credit.

          The credit limit is from $500 - $10,000.

          Grow your credit score with responsible spending and on-time payments.

          Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

          Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

          Read full review

        • Pros:
          • No annual fee
          • No returned payment fee
          • No foreign transaction fee
          • You can apply even if you have no credit history
          • No late fees
        • Cons:
          • No signup bonus
          • Cash advances are not permitted
          • Those who filed for bankruptcy may be rejected
          • Balance transfers are not allowed
          • No intro APR offer
        • Benefits:
          • No foreign transaction fee;
          • Petal 2 reports to all 3 major credit bureaus;
          • Qualify with average credit.
        View all Petal® 2 “Cash Back, No Fees” Visa® details
        Apply now
        On WebBank‘s site
        Card detail

        Celtic Bank Reflex Mastercard®​ best for Unsecured

        Reflex Mastercard®​ Celtic Bank
        Annual Fee:
        $75 - $99 for the first year $99 after the first year
        Regular APR:
        24.99% - 29.99% Variable
        Our Rating:
        3.8
        scorer
        Сredit score
        No Credit History to Good (0-739)
          • Issuer name:
            Celtic Bank
          • Details:

            The Reflex Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

            With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

            Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

            Read full review

          • Pros:
            • Chance to get a higher credit limit
            • All credit scores are welcome to apply
            • Reports to three bureaus
            • Check if you prequalify without affecting your credit score
            • No deposit required
          • Cons:
            • No rewards
            • High Regular APR
            • High annual fee
            • Monthly maintenance fee
            • Additional card fee
            • Foreign transaction fee
          • Benefits:
            • $0 Fraud Liability;
            • Potential Credit Limit Increase After Just 6 Months;
            • Free Monthly Credit Score;
            • Monthly Reporting to All Three Major Credit Bureaus;
            • Credit Protection program.
          View all Reflex Mastercard®​ details
          Apply now
          On Celtic Bank‘s site
          Card detail
          First Access Visa® The Bank of Missouri
          Annual Fee:
          $75 annual fee for first year $48 annually
          Regular APR:
          34.99%
          Our Rating:
          4.2
          scorer
          Сredit score
          No Credit History to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

              The First Access Visa Card's APR: 34.99%.

              The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

              Read full review

            • Pros:
              • Available to those with bad credit
              • Reports to three major credit bureaus
              • Easy application
              • No security deposit
            • Cons:
              • High APR
              • Several fees
              • Low credit limit
              • No rewards
            • Benefits:
              • First Access Visa credit card accepted nationwide;
              • Rebuild your credit;
              • Easy and Secure Online Application.
            View all First Access Visa® details
            Apply now
            On The Bank of Missouri‘s site
            Card detail

            Celtic Bank Surge Mastercard® best for Walmart purchases

            Surge Mastercard® Celtic Bank
            Annual Fee:
            $75 - $99 annually $99 annually
            Regular APR:
            24.99% - 29.99% Variable
            Our Rating:
            3.2
            scorer
            Сredit score
            No Credit History to Poor (0-579)
              • Issuer name:
                Celtic Bank
              • Details:

                The Surge Mastercard credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

                The Surge credit card has an annual fee of $75 to $99 (after that $99 annually).

                Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

                There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

                This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

                Read full review

              • Pros:
                • Monthly Credit Reporting
                • Free Monthly Credit Score
                • Potential Credit Limit Increase After 6 Months
                • Prequalification Without a Hard Check
              • Cons:
                • High Annual Fee
                • Relatively Low Credit Limit
                • Foreign Transaction Fee
                • Monthly Maintenance Fee After the 1st year
                • High APR
              • Benefits:
                • $0 Fraud Liability;
                • Monthly reporting to the three major credit bureaus;
                • Possible credit limit increase after just six months;
                • Free Monthly Credit Score.
              View all Surge Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail
              Merrick Bank Double Your Line® Secured Mastercard®
              Annual Fee:
              $36 the first year. Billed $3 per month thereafter
              Regular APR:
              19.70% Variable
              Our Rating:
              3.98
              scorer
              Сredit score
              No Credit History to Fair (0-669)
                • Issuer name:
                  Merrick Bank
                • Details:

                  The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

                  The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

                  The APR for purchases is 19.70% (Variable).

                  Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

                  Read full review

                • Pros:
                  • Double your credit limit
                  • Free monthly FICO Score access
                • Cons:
                  • Annual Fee
                  • Foreign Transaction
                • Benefits:
                  • $0 Fraud Liability;
                  • Double Your Line®;
                  • Reports to 3 Major Credit Bureaus.
                View all Double Your Line® Secured Mastercard® details
                Apply now
                On Merrick Bank‘s site
                Card detail
                Synovus Bank The First Latitude Platinum Mastercard® Secured Credit Card
                Annual Fee:
                $25 for the first year; after that $35.00 annually
                Regular APR:
                21.49% Variable
                Our Rating:
                1.22
                scorer
                Сredit score
                No Credit History to Poor (0-579)
                  • Issuer name:
                    Synovus Bank
                  • Details:

                    The Synovus Bank First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

                    The First Latitude Platinum Mastercard® Secured charges an annual fee of $25 for first year; after that $35 annually. The APR for Purchases is 21.49% (26.49% for cash advances). These APRs will vary with the market based on the Prime Rate.

                    Read full review

                  • Pros:
                    • Available to people with limited credit history
                  • Cons:
                    • Foreign Transaction Fee
                    • Balance transfers are not available
                  • Benefits:
                    • Choose a Credit Line Secured by Your Fully Refundable Deposit - from $100 to $2,000;
                    • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
                    • Quick and Easy Online Application.
                  View all First Latitude Platinum Mastercard® Secured details
                  Apply now
                  On Synovus Bank‘s site
                  Card detail

                  Celtic Bank Indigo® Mastercard® best for Unsecured

                  Indigo® Mastercard® Celtic Bank
                  Annual Fee:
                  $0 - $99 annually
                  Regular APR:
                  24.9%
                  Our Rating:
                  3.7
                  scorer
                  Сredit score
                  No Credit History to Fair (0-669)
                    • Issuer name:
                      Celtic Bank
                    • Details:

                      The Indigo® Mastercard® credit card provides a good option for those who have bad credit or no credit history.

                      The Indigo® Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

                      The Indigo® Mastercard® has a high APR of 24.9%.

                      During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

                      When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

                      Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

                      Read full review

                    • Pros:
                      • No security deposit
                      • Quick and easy to apply
                      • Pre-qualification
                      • Fraud protection
                      • Has Mastercard ID Theft Protection
                    • Cons:
                      • Low credit limit
                      • No rewards or one-time offers
                      • Foreign transaction fee
                    • Benefits:
                      • A low foreign transaction fee of 1 percent;
                      • Choice of Card Image;
                      • Fraud Protection;
                      • 24/7 Account Access;
                      • Extended warranty coverage.
                    View all Indigo® Mastercard® details
                    Apply now
                    On Celtic Bank‘s site
                    Card detail
                    First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                    Annual Fee:
                    $49 annually
                    Regular APR:
                    12.24% Variable
                    Our Rating:
                    3.8
                    scorer
                    Сredit score
                    No Credit History to Fair (0-669)
                      • Issuer name:
                        Synovus Bank
                      • Details:

                        The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                        The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

                        The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 12.24% (Variable for purchases), 21.24% (Variable for cash advances).

                        First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                        Read full review

                      • Pros:
                        • Low APR for Purchases
                        • No Minimum Credit Score Required
                        • Reports to Three Major Credit Bureaus
                        • Suitable Range of Credit Limit
                      • Cons:
                        • High Annual Fee
                        • High Transaction Fees on Cash Advance
                        • High Penalty Fees
                        • No Bonuses or Rewards
                        • Foreign Transaction Fees
                        • Unavailability of Card for Certain Geographies in the US
                      • Benefits:
                        • Accepted Nationwide;
                        • No Minimum Credit Score;
                        • No Credit History Required.
                      View all First Progress Platinum Prestige Mastercard® Secured details
                      Apply now
                      On First Progress’s site
                      Card detail
                      First Progress Platinum Elite Mastercard® Secured Synovus Bank
                      Annual Fee:
                      $29 annually
                      Regular APR:
                      22.24% Variable
                      Our Rating:
                      3.3
                      scorer
                      Сredit score
                      No Credit History to Fair (0-669)
                        • Issuer name:
                          Synovus Bank
                        • Details:

                          The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                          As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                          As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                          The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                          Read full review

                        • Pros:
                          • No credit history required
                          • No Minimum Credit Score needed
                          • Low Annual Percentage Rates
                          • It builds your Credit Score
                        • Cons:
                          • No option to graduate to an unsecured credit card
                          • Credit limit is equal to your deposit amount
                          • There is no Rewards program
                          • There are some area restrictions
                        • Benefits:
                          • No Minimum Credit Score;
                          • No Credit History Required;
                          • Accepted Nationwide.
                        View all First Progress Platinum Elite Mastercard® Secured details
                        Apply now
                        On First Progress’s site
                        Card detail

                        The Bank of Missouri Milestone Mastercard® best for Unsecured

                        Milestone Mastercard® The Bank of Missouri
                        Annual Fee:
                        $35 - $99 Dependent on credit worthiness
                        Regular APR:
                        24.9%
                        Our Rating:
                        3.5
                        scorer
                        Сredit score
                        No Credit History to Fair (0-669)
                          • Issuer name:
                            The Bank of Missouri
                          • Details:

                            The Milestone Mastercard® is a credit card for people with bad credit.

                            The Milestone Mastercard® card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

                            The credit limit for a Milestone Mastercard® is $300.

                            Read full review

                          • Pros:
                            • Low application requirements
                            • No security deposit
                            • Low foreign transaction fee
                            • Reports to three major credit bureaus
                          • Cons:
                            • Annual fee
                            • Additional fees and high APR
                            • Low credit limit
                            • No rewards system
                          • Benefits:
                            • Fraud Protection;
                            • Credit Bureau Reporting;
                            • Extended warranty coverage;
                            • Mastercard Global Service;
                            • Easy Pre-Qualification;
                            • Full Mastercard Perks;
                            • 24/7 Account Management.
                          View all Milestone Mastercard® details
                          Apply now
                          On The Bank of Missouri‘s site
                          Card detail

                          Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

                          Gold Preferred® Secured Visa® Applied Bank
                          Annual Fee:
                          $48 annually
                          Regular APR:
                          9.99% Fixed
                          Our Rating:
                          4.23
                          scorer
                          Сredit score
                          No Credit History to Poor (0-579)
                            • Issuer name:
                              Applied Bank®
                            • Details:

                              The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

                              The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

                              Read full review

                            • Pros:
                              • Lower than average APRs
                              • Theft Protection
                            • Cons:
                              • Annual Fee
                              • No Intro APR on purchases and balance transfer
                              • Foreign Transaction Fee
                              • No rewards
                            • Benefits:
                              • Reports to All Three National Credit Bureaus;
                              • Zero Fraud Liability;
                              • Refundable Security Deposit;
                              • Global acceptance;
                              • Emergency card replacement and cash disbursement.
                            View all Secured Visa® Gold Preferred® Credit Card details
                            Apply now
                            On Applied Bank®‘s site
                            Card detail
                            Total Visa® The Bank of Missouri
                            Annual Fee:
                            $164 for first year (including one-time program fee of $89) $48 annually *
                            Regular APR:
                            34.99% *
                            Our Rating:
                            3.32
                            scorer
                            Сredit score
                            Rebuilding Credit to Fair (0-669)
                              • Issuer name:
                                The Bank of Missouri
                              • Details:

                                The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

                                The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

                                The Total Visa® сard allows you to choose your own card design.

                                Read full review

                              • Pros:
                                • Low Requirements
                              • Cons:
                                • Annual Fee
                                • High Regular APR
                                • No Intro APR period
                                • Extra Fees
                              • Benefits:
                                • $0 fraud liability;
                                • Reports monthly to all three major credit bureaus;
                                • Manageable monthly payments;
                                • Select your favorite card design for free.
                              View all Total Visa® Unsecured details
                              Apply now
                              On the Total Visa® Card secure website
                              Card detail
                              Secured Mastercard® Merrick Bank
                              Annual Fee:
                              $36 for first year. Billed $3 per month thereafter
                              Regular APR:
                              19.70% Variable
                              Our Rating:
                              3.2
                              scorer
                              Сredit score
                              No Credit History to Poor (0-579)
                                • Issuer name:
                                  Merrick Bank
                                • Details:

                                  The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

                                  The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

                                  The Card's APR: 19.70% Variable for purchases.

                                  The Secured Mastercard® credit card reports to all three major credit bureaus.

                                  Read full review

                                • Pros:
                                  • Up to $3000 credit limit
                                  • Reports to three major credit bureaus
                                  • You don’t need a bank account to apply
                                  • Access to FICO score
                                  • Low APR
                                • Cons:
                                  • No rewards or intro offers
                                  • $200 minimum deposit
                                  • Extra fees
                                  • $36 annual fee
                                • Benefits:
                                  • Monthly Reporting to the 3 Major Credit Bureaus;
                                  • $0 Fraud Liability;
                                  • Low interest;
                                  • FICO® Score for Free Each Month.
                                View all Secured Mastercard® details
                                Apply now
                                On Merrick Bank‘s site
                                Card detail

                                Celtic Bank Deserve® EDU Mastercard best for Cash Back, Without SSN, Student

                                Deserve® EDU Mastercard Celtic Bank
                                Annual Fee:
                                $0
                                Regular APR:
                                20.99% Variable
                                Our Rating:
                                3.5
                                scorer
                                Сredit score
                                No Credit History to Excellent (0-799)
                                • Rewards Rate:
                                  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                • Issuer name:
                                  Celtic Bank
                                • Details:

                                  The Deserve EDU Mastercard for Students makes it easy for students to start building credit.

                                  The card's APR is 20.99% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

                                  Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

                                  Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

                                  Read full review

                                • Pros:
                                  • No prior credit history required
                                  • No SSN Required
                                  • No Annual Fee
                                  • No
                                  • Transactions Fees
                                  • No Co-Signer/ Deposit Required
                                • Cons:
                                  • Relatively High APR
                                  • Fairly Low Rewards
                                  • Only for Students
                                • Benefits:
                                  • Cellphone Protection;
                                  • Collision Damage Waiver;
                                  • Concierge Service;
                                  • No International Transaction Fees;
                                  • Priority Pass™ Membership;
                                  • Mastercard Benefits;
                                  • No Social Security Number required for international students to apply.
                                View all Deserve® EDU Mastercard details
                                Apply now
                                On Celtic Bank‘s site
                                Card detail

                                WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

                                Petal® 1 "No Annual Fee" Visa® WebBank
                                Annual Fee:
                                $0
                                Regular APR:
                                22.24% - 31.74% Variable
                                Our Rating:
                                4.34
                                scorer
                                Сredit score
                                No Credit History to Good (0-739)
                                • Rewards Rate:
                                  • 2% - 10%:
                                  • Cash Back at select merchants.
                                • Issuer name:
                                  WebBank
                                • Details:

                                  The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

                                  The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.24% to 31.74% (Variable).

                                  The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

                                  Read full review

                                • Pros:
                                  • No Annual Fee
                                  • No Foreign Transaction Fee
                                • Cons:
                                  • No welcome bonus
                                  • No intro APR period
                                • Benefits:
                                  • 2 - 10% Cash Back;
                                  • Zero liability fraud protection;
                                  • $300 - $5,000 credit limits.
                                View all Petal® 1 "No Annual Fee" Visa® details
                                Apply now
                                On WebBank‘s site
                                Card detail
                                First Progress Platinum Select Mastercard® Secured Synovus Bank
                                Annual Fee:
                                $39 annually
                                Regular APR:
                                16.24% Variable
                                Our Rating:
                                3.5
                                scorer
                                Сredit score
                                No Credit History to Fair (0-669)
                                  • Issuer name:
                                    Synovus Bank
                                  • Details:

                                    The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                    The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                    The card's APR: 16.24% (Variable for Purchases), 22.24% (Variable for Cash Advances).

                                    The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

                                    Read full review

                                  • Pros:
                                    • No credit history required
                                    • No Minimum Credit Score needed
                                    • Low Annual Percentage Rates
                                  • Cons:
                                    • Annual Fee
                                    • Foreign Transaction Fee
                                  • Benefits:
                                    • Accepted Nationwide;
                                    • No Minimum Credit Score;
                                    • No Credit History Required.
                                  View all First Progress Platinum Select Mastercard® Secured details
                                  Apply now
                                  On First Progress’s site
                                  Card detail
                                  Surge Secured Mastercard® Celtic Bank
                                  Annual Fee:
                                  $69 annually
                                  Regular APR:
                                  19.99% Variable
                                  Our Rating:
                                  3.3
                                  scorer
                                  Сredit score
                                  No Credit History to Poor (0-579)
                                  • Rewards Rate:
                                    • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                  • Issuer name:
                                    Celtic Bank
                                  • Details:

                                    The Surge Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                                    The card's APR: 19.99% (Variable).

                                    The Surge Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

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                                  • Pros:
                                    • Cash Back rewards
                                    • Free automatic account reviews for credit limit increases
                                  • Cons:
                                    • Annual Fee
                                    • Foreign Transaction Fee
                                    • No welcome bonus
                                    • No Intro APR offer
                                  • Benefits:
                                    • 1% Cash Back Rewards;
                                    • Potential Credit Limit Increase;
                                    • Report to All 3 Major Credit Bureaus.
                                  View all Surge Secured Mastercard® details
                                  Apply now
                                  On Celtic Bank‘s site
                                  Card detail

                                  Capital Bank OpenSky® Secured Visa® best for 18 year old

                                  Secured Visa® OpenSky®
                                  Annual Fee:
                                  $35 annually
                                  Regular APR:
                                  17.39% Variable
                                  Our Rating:
                                  3.82
                                  scorer
                                  Сredit score
                                  No Credit History to Good (0-739)
                                    • Issuer name:
                                      Capital Bank
                                    • Details:

                                      With Secured Visa® Credit Card your credit limit is defined by your refundable deposit, as low as $200 and up to $3000*. You’re the one who decides what’s best for you.

                                      Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget. Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

                                      Read full review

                                    • Pros:
                                      • No credit check required
                                      • Does not require a bank account
                                      • Reports to three major credit bureaus
                                      • Low minimum cash deposit
                                    • Cons:
                                      • High annual fee
                                      • High Foreign Transaction Fee
                                      • No Rewards
                                      • No Signup Bonus
                                    • Benefits:
                                      • No credit check necessary to apply;
                                      • Reports to three major credit bureaus;
                                      • Build credit quickly;
                                      • Doesn't require a bank account.
                                    View all OpenSky® Secured Visa® details
                                    Apply now
                                    On Capital Bank‘s site
                                    Card detail