Bad Credit and Secured Credit Cards

The following credit cards and prepaid debit cards are for people with less than perfect credit. Making on-time minimum payments with all of your creditors and maintaining your account balances below the credit limits is the key to building credit–simply getting a credit card will not help you build, re-build or re-establish your credit history. Choose from the credit card offers below.

Credit Cards For Bad Credit

Orchard Bank Classic MasterCards

An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
Acceptance at millions of locations worldwide, including website purchases and reservations
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank Classic MasterCards application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	14.99%-24.99%*	$0 - $59 the first year, $35 - $59 per year thereafter*	$0	Bad Credit*

Orchard Bank Visa Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
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
Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank Visa Cards application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	14.99%-24.99%*	$0 - $59 the first year, $35 - $59 per year thereafter*	$0	Bad Credit*

Green Dot® Gold PrePaid Visa®

$0 Activation Online - with no credit check
Access over 18,000 MoneyPass® ATM's
Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
No Monthly fee for any month with at least 30 purchases
No Transaction fees on US purchases
No Overdraft fees
No Minimum balance required

Green Dot® Gold PrePaid Visa® application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $5.95 monthly*	$0	No Credit Check*

Orchard Bank Classic MasterCards

An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank Classic MasterCards application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	14.99%-24.99%*	$0 - $59 the first year, $35 - $59 per year thereafter*	$0	Bad Credit*

Walmart MoneyCard^SM MasterCard^® Prepaid Card

No issuance fee online
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere MasterCard debit is accepted, including shop online, pay bills, get cash at ATMs

Walmart MoneyCard<sup>SM</sup> MasterCard<sup>®</sup> Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$3.00 monthly*	$0	No Credit Check*

Walmart MoneyCard^SM Visa^® Prepaid Card

No issuance fee online.
No credit check or bank account required
No overdraft fees
No minimum balance required
Free Direct Deposit.
$10 bonus with qualifying Direct Deposit (for a limited time only)
Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs

Walmart MoneyCard<sup>SM</sup> Visa<sup>®</sup> Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$3.00 monthly*	$0	No Credit Check*

Green Dot® PrePaid MasterCard®

$0 Activation Online - with no credit check
Access over 18,000 MoneyPass® ATMs
Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
No Monthly fee for any month with at least 30 purchases
No Transaction fees on US purchases
No Overdraft fees
No Minimum balance required

Green Dot® PrePaid MasterCard® application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $5.95 monthly*	$0	No Credit Check*

NetSpend® Prepaid MasterCard®

100% Approval - No credit check needed (ID verification required).
Get your paycheck, government benefits and tax refund faster with free direct deposit
New - Get rewarded with NetSpend Payback Reward^TM options.
Real-time account activity alerts to your mobile phone.
Funds are FDIC insured up to the current coverage limit (ID verification required).

NetSpend® Prepaid MasterCard® application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	As low as $5.00 monthly*	$0	No Credit Check*

ACE Elite^TM Visa^® Prepaid Card

A card with benefits that matter to you
No credit check, No application fee, No obligation
No-Fee Cash Withdrawals at ACE locations*
Free Direct Deposit - Get paid up to 2 days faster, don't stand in line or pay check cashing fees*
Free Anytime Alerts^TM - Get your balance and transactions via text or email*
Free Savings Account - Receive 5.00% APY*
Secure: Card funds are FDIC insured, backed by Visa Zero Liability*

ACE Elite<sup>TM</sup> Visa<sup>®</sup> Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$9.95*	No Credit Check*

UPside Visa® Prepaid Card

Similar to a checking account with a Visa prepaid card
Save up to $220 compared with other cards, the first year alone
100% approval with no credit check and no activation fee
$0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise)
Free Direct Deposit from employers or deposit cash at 50,000 retailers
Write personal checks online: easy to pay rent or other bills
Earn 1,500 cash back reward points for you first direct deposit load
Optional companion card available, as if you had a joint checking

UPside Visa® Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$0.99 monthly fee if you load $500 in the month (Reg. $4.95).	$0	No Credit Check*

NetSpend® Visa® Prepaid Card

100% Approval - No credit check needed (ID verification required).
Get your paycheck, government benefits and tax refund faster with free direct deposit
New - Get rewarded with NetSpend Payback Reward^TM options.
Real-time account activity alerts to your mobile phone.
Funds are FDIC insured up to the current coverage limit (ID verification required).

NetSpend® Visa® Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	As low as $5.00 monthly*	$0	No Credit Check*

BuyRIGHT Prepaid MasterCard®

New - Choose your card design at no extra cost
Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
Free Direct Deposit, Online bill pay, Earn rewards.
No credit check, No bounced check fees, No overdraft fees - Ever
Travel, rent cars, reserve hotels, shop online safely.
Unbelievable customer service.

BuyRIGHT Prepaid MasterCard® application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$7.95 monthly*	$9.95*	No Credit Check*

Prepaid Visa® Black Diamond RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Prepaid Visa® Black Diamond RushCard application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$3	No Credit Check*

READYdebit® Visa Prepaid Card

Instant Account Number
Free Credit Score
Free Direct Deposit - paycheck, benefits, tax refunds
Free Unlimited Purchase Transactions.
Free Online Bill Payment & Check Writing
No Overdraft Fees or Balance Minimums
100% Guaranteed Approval* - No Credit Checks
Choose Your Card Color - Blue or Pink

READYdebit® Visa Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	as low as $4.95 monthly*	$9.95*	No Credit Check*

KLS Prepaid Visa® RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

KLS Prepaid Visa® RushCard application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$19.95*	No Credit Check*

Prepaid Visa® Pink Diamond RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Prepaid Visa® Pink Diamond RushCard application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$19.95*	No Credit Check*

Prepaid Visa® Purple Diamond RushCard

100% Guaranteed Approval* - No Credit Check
Free Direct Deposit - sign up now and have a safe place to put your tax refund
Only card that lets you change your fee plan whenever you want to
Free prescription discount card
Easy Bill Pay - pay bills, rent, or write personal checks
Card to card transfers

Prepaid Visa® Purple Diamond RushCard application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$3	No Credit Check*

READYdebit Platinum Visa Prepaid Card

Get Your Premium Benefits:
Exclusive Rewards Program
Free Credit Score Tracker
Easy Mobile Banking and Text Alerts
Easy Online Bill Payment & Check Writing
Free Direct Deposit - paycheck, benefits, tax refunds
No Credit Check*, no Overdraft Fees or Balance Minimums
Reloadable up to $10,000 Max Balance

READYdebit Platinum Visa Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$0*	$0	No Credit Check*

Wired Plastic^TM Visa® Prepaid Card

Get a pink ribbon Wired Plastic Card today, and it will automatically donate a percentage of your signature purchases to help the fight against breast cancer.
Accepted everywhere VISA is accepted
No Credit Check, Income requirements, or bank account required
Free Online Access to Account
Free Mobile Alerts - Text to your mobile and email
Free Bill Pay Service - Pay Anyone Online or Over the Phone
Free Rewards Program - Earn 1 point for every $1 spent
Free Direct Deposit - Eliminate check cashing fees

Wired Plastic<sup>TM</sup> Visa® Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$3.95 monthly	$9.95*	No Credit Check*

mPower™ Visa® Prepaid Card

Fast, easy application - No Credit Checks
$10 Cash Bonus, Activation & Monthly Fees refunded when you use Free Direct Deposit
Quick and Safe Access to your Money
Easy Online Bill Pay
No Minimum Balance

mPower™ Visa® Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$0*	$9.95*	No Credit Check*

Vision Premier^® Visa^® Prepaid Card - Simple & Fair

New - Free Roadside Assistance
New - Free Savings Account with 5.65% APY
1% Cash Back on Gas Purchases
Free Direct Deposit so you can get paid faster
Free Bill Pay online or over the phone
Free Transactions and Customer Service
No Overdraft Fees, No Interest Fees, and No Hidden Fees
No Credit Check - 100% Approval

Vision Premier<sup>®</sup> Visa<sup>®</sup> Prepaid Card - Simple & Fair application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	$7.95 monthly*	$9.95*	No Credit Check*

Account Now Gold Visa^® Prepaid Card

100% Guaranteed Approval* - No Credit Check
$0 Activation Fee
$25 bonus with Free direct deposit§
Shop online & Pay bills online
Up to $10,000 balance limit
Deposits are FDIC insured

Account Now Gold Visa<sup>®</sup> Prepaid Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$9.95*	No Credit Check*

AccountNow^® Prepaid MasterCard^®

100% Guaranteed Approval* - No Credit Check
No Activation Fee
Free Direct Deposit and $25 bonus§
Easy 24/7 Online Account Access
Earn Purchase Rewards and Refer-a-Friend Cash Bonus
Perfect for Pay check & Benefit check direct deposit

AccountNow<sup>®</sup> Prepaid MasterCard<sup>®</sup> application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	up to $9.95 monthly*	$0	No Credit Check*

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000
Zero - 0% Fixed APR on Purchases - No Intro Rates
Zero - 0% Rate Won't Change - Even If You're Late
Zero Application Fees
Zero Worries - Free Personal ID Theft Protection

Platinum Zero® Secured Visa® Credit Card from Applied Bank® application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
0%*	N/A*	0.00%*	$9.95 per month*	$0	Bad Credit*

AccountNow^® Prepaid Visa^® Card

$0 Monthly Fee
100% Guaranteed Approval* - No Credit Check
No Minimum Balance
Free Direct Deposit and Online Bill Payment
Now with Purchase Rewards
Perfect for Occasional Usage

AccountNow<sup>®</sup> Prepaid Visa<sup>®</sup> Card application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Activation Fee	Credit Needed
N/A*	N/A*	N/A*	None*	$4.95*	No Credit Check*

* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. 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 the credit card issuer's web site.

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