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Applied Bank® Secured Visa® Gold CardThe Applied Bank® Secured Visa® Gold Card, issued by Applied Bank®, is designed for those with limited or poor credit history. The major benefit of this card is the fixed APR of 9.99% for purchases and cash advances, which is reasonably low for a secured card. There is a $200 minimum deposit required, a $5,000 maximum, and an annual fee of $50. Unlike most secured credit cards, this card provides additional services and benefits including online account access and various fraud protection services. Continental Finance Gold MasterCard®The Continental Finance Gold MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance. The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus. New Millennium Bank Secured Black Diamond Visa®/MasterCard®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. Rewards 660 Visa® CardThe Rewards 660 Visa® Card, issued by Dakota State Bank, is a credit card designed for those with poor credit who would like an unsecured credit card. The main benefit of this unsecured credit card is that it reports to the TransUnion and Equifax credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus. The annual fee applied to new accounts is $48. There is also an account set-up fee of $97, a one time program fee of $90, and a monthly maintenance fee of $15, which amounts to $180 per year. Additionally, you'll be required to make an initial payment of $40.00 in order to activate and use your account. The total amount of standard fees (not including penalty or default fees) is $455 for the first year. New Millennium Bank Secured Platinum Visa®/MasterCard®>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.New Millennium Bank Secured Gold Visa® / MasterCard®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. |
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