Credit Cards for Limited Credit

Having limited credit can sometimes be a challenge. How are you expected to build your credit when no lenders are willing to give you a chance? This question is something that we will all encounter, and fortunately, there is a simple answer. There are credit cards available for limited credit cards. In fact, many credit cards are intended for people with limited credit, such as recent college graduates. The best part about applying for a limited credit card is that you will be one step closer to building your all-important credit rating, and boosting that score! It will not be long before you can look at better options suited to your financial requirements. below you will find an extensive list of some of the best credit cards for those with limited credit. Start your search now!

  • Group One Freedom

    • $500 Limit
    • Easy Terms
    • No Credit Check
    • No Employment Check
    • Reports to Major Bureau
    • Fast Online Application
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  • Horizon Gold

      • $500 Limit
      • Easy Terms*
      • No Credit Check
      • No Employment Check
      • Reports to Major Bureau
      • Fast Online Application

      Minimum Monthly Payment:
      The minimum monthly payment for any given month (as long as your account shows an outstanding balance) is the greater of: a) 10% of the account balance owed immediately following any purchase made to your account; or b) $25.00. The minimum monthly payment does not automatically decrease as your account balance decreases. Notwithstanding the foregoing, should your new balance be less than $25.00, the minimum payment due will be the total amount of the new balance.

      Monthly Maintenance Fee:
      $6.00 (This fee is waived to all active Horizon Card Services members). Shipping and processing fees are required to be paid in full by customer prior to items being shipped. A $3.50 charge will be added to for shipment signature verification. Shipping and processing fees are non-refundable. By purchasing items from The Horizon Outlet, customer fully understands and agrees to all policies. The Horizon Outlet will replace defective item(s) at no charge to customer (less shipping and processing). The merchandise must be defective upon customer receiving it. The Horizon Outlet has the right to refuse refunds if the customer changes his/her mind and it is determined that the customer has caused the damage to the item(s). Horizon Card Services reserves the right to limit item quantities per order and all orders are subject to quantity restrictions.

      Monthly Membership/Benefits Plan: Upon account activation, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan. Monthly membership includes a $500 Unsecured card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. For ease and convenience, the $24.95 benefits plan membership fee will be auto-debited monthly and will show on your bank statement as Horizon Card Services. Benefits can be accessed through this website: www.memberbenefitaccess.com.

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  • Unique Platinum

      • 24/7 Roadside Assistance
      • Legal Assistance
      • Prescription Discounts
      • Fast, Secure Application
      • Don't let a poor credit history stop you applying
      • Low Monthly Repayments
      • No Interest on Purchases

      UNIQUE CARD SERVICES™ SHOPPING CARDS ARE A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. A DOWN PAYMENT IS REQUIRED FOR PURCHASES AT OUR WEBSITE OF 15% OF THE MERCHANDISE PORTION OF THE ORDER, PLUS SHIPPING AND PROCESSING FEES AND ANY APPLICABLE SALES TAX. 

      THE INITIAL COST OF MEMBERSHIP IN THE UNIQUE CARD SERVICES™ SHOPPING CLUB PROGRAM IS $29.95 AND MAY BE PAID BY VISA, MASTERCARD, OR OTHER CREDIT/DEBIT CARD.

      THE CONTINUING MEMBERSHIP COST FOR THE UNIQUE CARD SERVICES™ SHOPPING CLUB PROGRAM AND THE BENEFIT SERVICES IS $19.95 PER MONTH AND WILL BE AUTOMATICALLY DEDUCTED FROM YOUR ACCOUNT UNTIL CANCELLED BY YOU.

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  • Next Millenium

    • Enjoy up to a $1,000 Credit Line!
    • 0% Financing on purchasing popular brand name products exclusively at our online store. Shop from the convenience of your home.
    • Enjoy amazing benefits like 24/7 Roadside Assistance. Legal Assistance. Daily Discount Offers. Low payments of only $19.95 per month.
    • Purchase your products now and enjoy our low monthly payments.
    • We won't check your credit and you will not be denied for bad credit.
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  • NO FEE CREDIT

    • No Annual Fee
    • No Strings Attached
    • Enjoy 0% financing while purchasing popular brand name products!
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  • Deluxe Signature

    • Pay 0.00% interest on any/all purchases for the life of your Deluxe Signature Club membership.
    • Our exclusive online store features products from all the major name brands you know and trust!.
    • With up to a $1,000 credit limit you have the power to purchase almost any item we carry in our online store.
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  • Discover it® Secured

    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
    • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
    • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
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  • The Secured Visa® from Merrick Bank

      Need credit? Want a better way to take control of your finances?

      The Merrick Bank Secured Visa card is for you!

      Is a secured credit card right for me?

      The biggest difference between a secured and an unsecured credit card is that secured cards require a security deposit from the cardholder, which functions as cash collateral.

      Secured credit cards are especially useful for consumers with poor or little to no credit history who are trying to build or rebuild their credit. A secured card provides all the advantages of a credit card while building credit.

      You may be approved for this card with any credit history or credit score, so long as you:

      • Do not have a pending bankruptcy filing that has not been discharged by the court
      • Do not have any outstanding Federal/State/Local tax obligations
      • Successfully fund your security deposit
      • Are at least 18 years old
      • Have a valid Social Security Number
      • Have a verifiable physical U.S. home address
      • Meet the Income Assessment and Identity Verification requirements mandated by the government for all credit card applications
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  • First Access Visa® Credit Card

    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won’t
    • Easy and secure online application
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Online Customer Center available 24 x 7
    • Checking account required
    • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
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  • USAA® Secured Card American Express® Card

    • 3X points for dining out.
    • 2X points for gas and groceries.
    • 1X points for every dollar spent on all other purchases.
    • No limits or caps on your rewards.
    • 2,500 bonus points with your first purchase.
    • Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.

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