Find the lowest credit card rates then apply online using our credit applications.


No Credit/Bad Credit Credit Cards

No Credit or Bad Credit can hurt you

It will be more and more difficult to rent an apartment, buy a new card or even just to open a new checking account if you do not have a good credit history. Lenders charge people with no credit or poor credit a higher interest rate when financing a new car, a new home or just about anything. Sometimes they will even turn you down. Car dealers may charge you over 20% interest, while other people pay less than 5%. Banks run credit checks on new checking account applications, and if you have bad credit, you might not even be able to open a new checking account. This is the situation, where you need to plan ahead, and develop a plan for a good credit rating*. One way to do it, is to start with a new credit card and pay your credit card balance on time. However, for people with no credit or bad credit, the options to get a new credit card are very limited. This is where we offer our help: Check out our selection of no credit/poor credit credit cards, and feel free to apply for the ones you like the most. There are some great cards even for people with no credit on this credit card site. See it yourself!
*When your main goal is to improve your credit, then choose from credit cards that report to at least one credit bureau.



Apply to get New Millennium Bank Platinum Visa® or MasterCard®

Ongoing APR: 19.50%

New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!

  • Guaranteed* Issue
  • NO credit check, EVER
  • NOBODY gets turned down
  • Reports to 3 major CREDIT BUREAUS
  • Credit approval for up to $10,000 (with both cards)*
  • YOU are APPROVED regardless of income or credit history
  • Complimentary online services for account management and payments

    *See Rates, Fees & Other Terms.

Get more info about the NMB Secured Platinum Card

Apply for the NMB Secured Platinum Card


Apply to get UltraVX Visa®

Ongoing APR: 18.90%

UltraVX Visa®
Now anyone can qualify for a secured credit card with UltraVX Visa®.

  • UltraVX makes it easy to manage your finances
  • Automatic minimum payments
  • Reports to all 3 major credit bureaus
  • No credit check, no bank account required
  • Instant online approval
  • Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.

    *Subject to terms and conditions.

Get more info about the UltraVX Visa®

Apply for the UltraVX Visa®


Apply to get First Option Visa®

Ongoing APR: 19.50%

First Option Visa®
Get a REAL Visa® Credit Card!

  • Up to $5,000.00 Secured Line of Credit!!
  • Be Approved Regardless of Credit History or Income!!!
  • Guaranteed Approval!

Get more info about the First Option Visa®

Apply for the First Option Visa®


Apply to get New Millennium Bank Secured Gold Visa® / Mastercard®

Ongoing APR: 19.50%

New Millennium Bank Secured Gold Visa® / Mastercard®
Credit limits up to $10,000*

  • Approved regardless of credit history or income
  • Credit limits up to $10,000* (with both, Visa® and MasterCard® cards)
  • Reports to all 3 bureaus
  • Get cash at over 740,000 ATMs
  • No credit check

    *See Rates, Fees & Other Terms.

Get more info about the NMB Secured Gold Card

Apply for the NMB Secured Gold Card


Apply to get NMB Secured Black Diamond Visa® or Mastercard®

Ongoing APR: 19.50%

NMB Secured Black Diamond Visa® or Mastercard®
CREDIT BUILDER PROGRAM!

  • Approved regardless of credit history
  • Credit limits up to $10,000*
  • Reports to all 3 bureaus
  • Get cash at over 740,000 ATMs
  • No credit check

    *See Rates, Fees & Other Terms.

Get more info about the NMB Black Diamond Card

Apply for the NMB Black Diamond Card


Apply to get BuyRIGHT Prepaid MasterCard®


BuyRIGHT Prepaid MasterCard®
BuyRIGHT is RIGHT for you!

  • Click-N-Pay bill payment
  • Free direct deposit
  • Free activity alerts
  • On-line money management tools
  • BuyRIGHT Rewards program
  • No Credit Checks
  • No Employment Verification
  • No Monthly or Annual Fee Option
  • Free BuyRIGHT Marketplace Membership

Get more info about the BuyRIGHT Prepaid MasterCard®

Apply for the BuyRIGHT Prepaid MasterCard®


Apply to get Western Union® Prepaid MasterCard®


Western Union® Prepaid MasterCard®
Credit problem? No problem!

  • Carry your money safely and conveniently.
  • Shop online anywhere MasterCard debit cards are accepted.
  • Check your Card balance anytime online or over the phone.
  • Reload your Card at any participating Western Union Agent location in the United States.
  • No credit checks! No lengthy applications!
  • Shop wherever MasterCard debit cards are accepted — even online
  • Efficiently manage your money and pay bills because you control how much you put on the Card.
  • Easy to Get, Easy to Use
  • The power of cash. The convenience of plastic.

Get more info about the Western Union® MasterCard®

Apply for the Western Union® MasterCard®


Apply to get Wired Plastic™ Prepaid Visa® Card


Wired Plastic™ Prepaid Visa® Card
Guaranteed Approval*. Earn Reward Points on Every Purchase.

  • Receive your new Visa® card in as little as 3 days
  • No Upfront Payment Required
  • Overdraft Safety Program
  • Rewards Program
  • Integrated Bill Pay Service
  • Convenient Loading Options

    *See Terms and Conditions.

Get more info about the Wired Plastic™ Prepaid Visa®

Apply for the Wired Plastic™ Prepaid Visa®


Apply to get AccountNow™ Vantage Debit MasterCard®


AccountNow™ Vantage Debit MasterCard®
Get the perfect alternative to a bank account!

  • Instant Guaranteed Approval* - no credit check, no security deposit
  • $0 ACTIVATION FEE - when you load your card by direct deposit
  • Free Direct Deposit - no more check cashing fees
  • Free Online Bill Pay - no need for expensive money orders
  • Free Credit Builder? - bill pay transactions are reported to PRBC®
  • No Overdraft Fees - no minimum balance required
  • iAdvance loan option, no credit check needed.*
  • Reloadable - $10,000 balance limit

    *See web site for Features & Fees.

Get more info about the AccountNow Debit MasterCard®

Apply for the AccountNow Debit MasterCard®


Apply to get All-Access® Visa® Prepaid Card


All-Access® Visa® Prepaid Card
Choice of Flat-fee or Pay-as-you-go Fee Plans.

  • No upfront costs
  • No hassle
  • Multiple cards
  • Free direct deposit
  • Flexible fee plans*
  • Access to cash

    *See web site for Features & Fees.

Get more info about the All-Access® Visa® Prepaid Card

Apply for the All-Access® Visa® Prepaid Card


Apply to get Tribute® Gold MasterCard® Credit Card

Ongoing APR: Prime +11.75%* (Min. 19.50%)

Tribute® Gold MasterCard® Credit Card
Bad credit history? This could be the right card for you!

  • 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.

Get more info about the Tribute® Gold MasterCard® Card

Apply for the Tribute® Gold MasterCard® Card


Apply to get MyCreditCardFinder


MyCreditCardFinder
One site, dozens of offers tailored to you!

  • Simple and Easy to use
  • Review up to 10 different credit card offers
  • Find a credit card at no cost
  • Free credit related information

Get more info about the MyCreditCardFinder

Apply for the MyCreditCardFinder


Google
 
Web www.lower-apr.com



More Credit Card Resources Online

One of the most complete guides to help you finding the best balance transfer credit cards online.

Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.

Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.


Poor Credit Visa® and MasterCard® Credit Cards - Wired Plastic™ Prepaid Visa® Card

© 2001-2010 Low APR Credit Cards