Unsecured Credit Card For Bad Credit
Your No Nonsense Guide To Unsecured Credit Cards

Welcome to Unsecured Credit Card For Bad Credit. We are your No Nonsense Guide To Unsecured Credit Cards.

Compare unsecured credit cards and find out which unsecured credit card is the best deal for you. Unlike other sites you will not find recommendations or apply here links for credit cards that will rip you off.

All of the unsecured credit card offers listed below are designed to give individuals with bad credit the ability to have an unsecured credit card and rebuild credit. The problem is that most of these cards are loaded with fees and while they will help build or rebuild your credit they are in fact ripping you off.

 When choosing a unsecured credit card, there are some important things to remember.

  • Avoid prepaid credit cards. They are not extending you credit, so they will not help you build or rebuild your credit.

  • Avoid or catalog cards. They are rip offs and you will pay unbelievable interest on outrageously over priced items and they do not help build or rebuild a credit history.

  • Avoid secured credit cards. Most secured credit cards are legitimate and have reasonable fees and rates. However, most of them report you to the credit bureaus as being secured. So while they show you as having credit they do not help your credit score or credit building efforts.

  • Know the fees involved. Before applying for any bad credit unsecured credit card, make sure that you are aware of all the fees and terms for the card you are applying for. We have listed the major players in the sub-prime unsecured credit card market, but we can not cover them all. So before applying for any bad credit credit card, make sure you completely understand the terms and fees.

Compare Unsecured Credit Card Offers Below

Below we have disclosed the fees for the major players in the unsecured credit card market. As you will see, some of the unsecured credit cards marketed to people with bad credit have some major fees associated with them.

American Dream Card MasterCard
This is the best deal going on a bad credit unsecured credit card and is Highly Recommended. Excellent customer service and backed by HSBC, one of the worlds largest banks. This is a great card for building or rebuilding credit. Apply here for the American Dream Card MasterCard and start rebuilding or building your credit today.
 
*Interest Rate Initial Fees Ongoing Fees *Initial Credit Limit
Starts at 14.99%

Annual Fee - Up to $59

Annual Fee - Up to $59

N/A
*Interest rate and initial credit limit depend on credit history when applying

American Dream Card MasterCard

Credit One Bank
A new card has joined the market and while there are not as many fees, they have a horrible record for customer service. Your initial minimum credit line of $200 will be reduced to $125.25 after all fees are accessed and applied to your account.
 

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

23.90%

Annual Membership Fee - $5.75 per month
Enrollment Fee - $69
Total - $74.75
Annual Membership Fee - $5.75 per month
Total - $69

$200

*** WARNING - Do Not Apply ***

Continental Finance
High fees and a interest rate make this a bad choice. Your initial credit limit of $300 will be reduced to $53 once all fees are applied to your account and you will pay a total of $357 in fees to carry this card.
 

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

19.92%

Account Set Up Fee - $99
Program Participation - $89
Annual Fee - $49
Participation Fee - $10 month
Total $247
Annual Fee - $49
Participation Fee - $10 month
Total - $169

$300

*** WARNING - Do Not Apply ***

First Premier
While the interest rate is not high, the fees are outrageous. Your initial credit limit of $250 will be reduced to $72 after all fees are applied and you will pay a total of $178 to carry this card.

 
Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

9.9%

Account Set Up Fee - $29
Program Fee - $95
Annual Fee - $48
Participation Fee - $6 month
Total $178
Annual Fee - $48
Participation Fee - $6 month
Total - $120

$250

*** WARNING - Do Not Apply ***

Imagine Gold Card
The Imagine Gold Card is probably the worst card available. Along with the high fees and interest rate, you are required to give your banking information so they can automatically deduct payments from your checking account. Your initial credit will be reduced to $200 after the annual fee is applied and you are paying a total of $269.40 to carry this card.
 

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

19.75%

Annual Fee - $150
Monthly Maintenance Fee - $9.95 month
Total $150
Annual Fee - $150
Monthly Maintenance Fee - $9.95 month
Total $269.40

$350

*** WARNING - Do Not Apply ***

Rewards 660
Another high interest and fee card with a low limit. Your initial credit limit of $300 will be reduced to $50 after the initial fees are applied.

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

19.75%

Account Set Up Fee - $97
Program Fee - $95
Annual Fee - $48
Participation Fee - $10 month
Total $250
Annual Fee - $48
Participation Fee - $10 month
Total - $168

$300

*** WARNING - Do Not Apply ***

Total Visa Card
High fees and a high interest rate will reduce your initial credit limit from $250 to $50 after all fees are applied and you will pay a total of $269 to carry this card.

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

19.92%

Account Set Up Fee - $56
Program Fee - $96
Annual Fee - $48
Participation Fee - $8 month
Total $178
Annual Fee - $48
Participation Fee - $8 month
Total - $144

$250

*** WARNING - Do Not Apply ***

Tribute
You will need to make your first payment of $20 before you receive your Tribute card. Your initial credit limit of $300 will be reduced to $141 after the initial fees and your $20 payment have been accessed.

Interest Rate Initial Fees Ongoing Fees Initial Credit Limit

19.75%

Account Opening Fee - $29
Annual Fee - $150
Monthly Maintenance Fee - $6.50 month
Total $179
Annual Fee - $150
Monthly Maintenance Fee - $6.50 month
Total $228.00

$300

*** WARNING - Do Not Apply ***


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Bad Credit Credit Card

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