Starter Credit Cards – Rebuild Your Credit
Facing credit challenges? Our starter credit cards are designed to help you rebuild your financial and credit future. They offer the perfect opportunity to get back on track, build positive credit history, and secure a brighter financial future.
OpenSky® Secured Visa ® Credit Card
CREDIT NEEDED
Bad CreditNo Credit
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR
N/A
Intro Period
N/A
Regular APR
25.64% variable
Annual Fee
$35
Balance Transfer
N/A
Credit Needed
--
OpenSky® Plus Secured Visa® Credit Card
CREDIT NEEDED
Fair CreditGood Credit
Bad Credit
No Credit
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR
N/A
Intro Period
N/A
Regular APR
29.99% (V)
Annual Fee
None
Balance Transfer
N/A
Credit Needed
--
Surge Mastercard® Unsecured Card
CREDIT NEEDED
Bad CreditUp to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Fast and easy application process; results in seconds
- See if you’re Pre-Qualified without impacting your credit score
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
- *See all terms in conditions on website.
This offer is NOT available in the following states: MA, CO, WV, IL
Some Requirements (Not limited to)
- You need to have an existing checking account
- note: Having the above does not auto approve you. The bank will still look at other factors when making a decision.
Is there a credit check when I apply?
The pre-qual process is a soft pull (page 1 when consumer submits an app).
If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.
How long does it take to make a decision about my application?
In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.
About Continental Finance:
Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.
Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!
Who is Celtic Bank?
Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.
Upgrade Triple Cash Rewards Visa®
CREDIT NEEDED
Fair CreditGood Credit
Excellent Credit
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime
- Regular Purchase APR: 14.99% -29.99%
- No annual fee
- State Exclusions: Not Available in DC, IA, WV, WI
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
Upgrade Triple Cash Back Rewards Details
Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.
Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements, but your line will not replenish automatically.
New!Kovo Credit Builder
CREDIT NEEDED
Fair CreditBad Credit
No Credit
Give yourself the credit you deserve. Sign up to build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% on featured loans! The ideal alternative to secured credit cards.
Incredible value:
- Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
- Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
- Lower your monthly interest payments when you have a higher credit score.
- Better credit makes owning a car and home possible, with higher odds for approval.
- Get your FICO® Score and see your credit score journey progress every month.
How it works:
- Build with Installments: pay $10/month over 24 months.
- Learn with Courses: pick up useful skills.
- Earn with Rewards: up to 1% back on eligible loan offers.
Key features:
- Flat monthly rate
- Instant approval
- No credit check / no hard pull
- No bank account needed
- $0 security deposit
- $0 setup/admin fees
- $0 annual fees
- $0 late fees
- $0 prepayment fees
- 0% APR
Requirements:
- You must be at least 18 years of age
- You must have a valid U.S. Social Security Number
Available in all 50 states.
Merrick Bank Secured Credit Card
CREDIT NEEDED
Fair CreditBad Credit
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
- Wisconsin Residents: This offer is NOT valid for residents of Wisconsin
Intro APR
n/a
Intro Period
n/a
Regular APR
22.70% Variable
Annual Fee
$36 the first year, billed $3 per month thereafter
Balance Transfer
n/a
Credit Needed
--
Auto Financing and Refinancing
CREDIT NEEDED
Fair CreditGood Credit
Excellent Credit
Bad Credit
Auto Financing and Refinancing – Average Customer saves up to $2000 or more…
- 1 Application with up to 4 loan offers in minutes
- Apply online, 24/7 in the convenience of your home or office
- Lowest interest rates available – average customer saves $2000 in interest charges
- Get approved and have financing in place before going to a dealer
- Refinance and lower your current interest rate and payments or even skip a payment
- Also offering Private Party and Lease Buyout loans
- Fast & free - No fees or obligations
- Private, secure and confidential
Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…
Rental Reporters
CREDIT NEEDED
Bad CreditNo Credit
- Your rent payments can improve your credit score. Get what you deserve
- We report your payments to TransUnion AND Equifax
- A new tradeline appears on your credit report
- Look for your score to change within 10 days
Who Would Want To Participate In Our Rental Reporting Program?
- Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
- Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report.
- Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history. We add not just your on-time payments but we add the length of your rental payment history. How many years have you been renting a house or apartment? That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.
There are 4 simple steps to the rent reporting process
- Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
- Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
- Rent reporting to credit bureaus: Equifax and Transunion.
- Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.
What Does This Program Cost?
The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.
ROCK The Score Rental Reporting
CREDIT NEEDED
No Credit- Do you rent a home or apartment?
- Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
- Report the past two years of rent payments for a possible boost to your credit score!
- Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
- Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
- We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.
New!Acorns Savings & Investment App
CREDIT NEEDED
N/AAcorns is the saving and investing app and is how you save and invest for your future.
INVEST
- Sign up in under 3 minutes!
- No expertise needed: we’ll recommend a portfolio for your needs
- Start investing in your future with spare change from everyday purchases or as little as $5. Get investing, retirement, checking, investing for families, rewards, financial education and more—in one, easy app
- Get Acorns Later, our easy retirement account, in under 2 minutes. We'll recommend the right plan to you (Roth, SEP, Traditional)
SPEND
- Real time Round-Ups, so you can invest while you spend and give your spare change more time in the market
EARLY
- In under 3 minutes, open an easy investment account for kids, and unlock our financial wellness system.
- Get Acorns Early and invest for the kids you love. Early is a UTMA/UGMA account, so its more flexible than a 529/traditional college savings account
- Grow your knowledge together, with financial literacy content for families, powered by Acorns and CNBC
- Set it and forget it with easy Recurring Investments, starting at $5 a day, week, or month
EARN
- Earn more money when you shop from 350+ top brands that invest in you.
*See all terms and conditions.
