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 card offers and find out which 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.

Orchard Bank Classic MasterCard

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 store 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.

  • 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 credit cards marketed to people with bad credit have some major fees associated with them.
 

Orchard Bank

 Interest Rate - 14.90%

Fees - One time processing fee of $49 and annual fee of $49

More info - This is the best deal going on a bad credit unsecured credit card. Highly recommended. Excellent credit increases and very customer service oriented. A great card for rebuild or building credit. Apply Here For The Orchard Bank Classic MasterCard! and start rebuilding or building your credit history.

Total Fees $98

Initial Credit $300

Ongoing Fees $49 Annual Fee

Continental Finance

 Interest Rate 19.92%

Fees
One Time Fees Account Setup Fee - $99.00, Program Participation Fee $89,
Ongoing Fees - Annual Fee $49, Participation Fee $120 (billed monthly at $10)
Other Fees - Credit Limit Increase $25

More info Your initial Credit Limit will be $300.00 and after paying all fees your initial available credit will be $53
Total Fees - $357 to carry card.

Initial Credit - $300

 Ongoing Fees
Annual Fee $49, Participation Fee $120 (billed monthly at $10)

 *** WARNING ***
DO NOT APPLY

First Premier

 Interest Rate 9.9%

Fees
One Time Fees Account Setup Fee - $29.00, Program Fee $95,
Ongoing Fees - Annual Fee $48, Participation Fee $72 (billed monthly)
Other Fees - Credit Limit Increase $25

More info - Initial credit limit will be $250, this will be reduced to $72 after all fees are applied.

Total Fees $178 to carry card.

Initial Credit $300

Ongoing Fees Annual Fee of $48 and monthly participation fee of $6

 *** WARNING ***
DO NOT APPLY

Imagine Gold Card

 Interest Rate 19.75%

Fees
One Time Fee - Processing Fee $4.95 (this is to sign you up for automatic payment processing)
Ongoing Fees - Annual fee of $150, Account Maintenance Fee of $119.40 per year billed at $9.95 per month

More info - You are required to sign up for RCC (Automatic Payment Plan) which requires that they debit your account monthly for your minimum payment. Initial credit will be reduced to $200 after paying the annual fee.

Total Fees - $269.40 to carry card.

Initial Credit - $350

Ongoing Fees -
Annual Fee $150, Account Maintenance Fee $119.40 billed monthly

 *** WARNING ***
DO NOT APPLY

Rewards 660

 Interest Rate 19.75%

Fees
One Time Fees - Account Set-Up Fee of $97.00,  Program Fee of $95.00
Ongoing Fees - Annual Fee of $48.00, Participation Fee of $120.00 (billed monthly at $10)

More info - Your initial credit is reduced to $50 after all fees are applied.

Total Fees $250 to carry card.

Initial Credit - $300

Ongoing Fees -
Annual Fee $48, Participation Fee of $120.00 (billed monthly at $10)

 *** WARNING ***
DO NOT APPLY

Total Visa Card

 Interest Rate 19.92%

Fees
One Time Fees - Account Set-Up Fee of $56.00,  Program Fee of $96.00
Ongoing Fees - Annual Fee of $48.00, Participation Fee of $96.00 (billed monthly at $8)
Other Fees - Easy Pay Fee $7.95

More info - Your initial credit limit will be $250. When your card is issued, you will have $50 of credit
available for use after the $56 Account Set-Up Fee, $96 Program Fee, and $48 Annual Fee are charged to your account.

Total Fees - $296 to carry card.

Initial Credit - $250

Ongoing Fees
Annual Fee of $48.00, Participation Fee of $96.00 (billed monthly at $8)

 *** WARNING ***
DO NOT APPLY

Tribute

Interest Rate 19.75%

Fees
One Time Fees - Account Opening Fee: $29
Ongoing Fees - Annual Fee: $150 per year , Monthly Maintenance Fee: $78 annualized ($6.50 per month)

More info - You must make your first payment of $20 before you receive your card. Your initial credit will be reduced to $141 after all fees are accessed and you have made your first payment of $20

Total Fees - $257 to carry card.

Initial Credit - $300

Ongoing Fees
Annual Fee: $150 per year, Monthly Maintenance Fee: $78 annualized ($6.50 per month)

 *** WARNING ***
DO NOT APPLY

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