Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
This card offers subpar spending rewards, comes with a high APR and fees, and consumers regularly report very negative customer service. However, if your credit is poor and you need an unsecured card, this might be one of the few options left. Just be sure to read the terms closely if you get approved.
Designed for rebuilding credit, this unsecured card offers a path to healthier credit scores without requiring a deposit to open an account, but you’ll want to read the fine print.
You’ll earn 1% cash back on groceries, gas, mobile phone services, internet, and cable/satellite TV services. This doesn’t compare to even some secured cards which offer 1% cash back on everything you purchase, but it’s better than nothing.
Your credit line will be from $300–$3,000, but the annual fee of $0 - $99 will eat into that initially. So if you have a $75 annual fee and a $300 credit line, you’ll only be able to access up to $225 until you pay the fee.
Another point of contention is the grace period, or lack of it: You’ll may begin accruing interest once your account opens because you may not get a grace period with this card, and you’re billed the annual fee right off the bat. If you don’t pay off the annual fee when your account opens, you may be hit with interest immediately and until you do.
We say “may” and “potentially” because some applicants will get certain terms, and other applicants will get different terms. If you decide to check your pre-approval status, you’re not able to select which card you want and that decision may be up to the issuer.
This card does report to the three major credit bureaus, but other than that, Zero Fraud Liability and free online access to one of your credit scores from Experian are the only two real benefits for this card.