A List Credit Cards for People With Bad Credit

The "A List" of Bad Credit Credit Cards

Credit cards for people with bad credit or less than perfect credit. Establish or re-establish your credit by choosing from both secured and unsecured credit card offers below. Credit cards are referred to as prepaid debit, secured or a guaranteed approval credit cards which allow you a fast way for you to re-establish good credit. Apply for a credit card with bad credit today.

Many times, a credit card company will determine that the consumer has some degree of risk and may only offer a secured credit card. When determining risk, they look at employment income, current debt and credit rating. If you have bad credit or poor credit for any reason, or as yet no credit rating, a secured credit card may be your only option.

Having secured credit cards means you cannot spend more than you place on deposit. There is no risk to the bank or a credit card company, as they are not extending you any credit. They are guaranteed to get their money. Secured credit cards are a great starting place to re-establish credit or get credit started.

The Visa or MasterCard application for a secured credit card is the same application for any credit card. Secured credit cards will still have fees attached for use of the card and terms vary widely between companies. Students who want credit will often receive this type of secured credit card. The benefits of having a guaranteed approval credit card is that it carries the credit card name like Visa or American Express and can be used to book travel or car rental, or make purchases on the Internet. Once credit is established and if credit history is good, it is reasonable to apply for an unsecured credit card. Then you can shop around for your unsecured credit card with the bonuses, offers and rewards that work best for you.

If you're not sure where you stand credit wise, get your free credit report, Click Here! To begin to establish a credit rating apply for a secured card with a guaranteed approval from an established credit card company. My recommendations are listed below in order.

Bad Credit "A List" Credit Cards
The following bad credit a credit cards are for people with less than perfect credit or who are looking to re-establish their credit. Choose from both secured and unsecured credit card offers below.

Orchard Bank Secured MasterCard®

Credit Card Orchard Bank Master
Apply Now!- Bad Credit A Credit Cards OK*

The Orchard Bank credit card program offers credit cards to those with no credit, little credit, damaged credit or restored credit. They've helped millions of people obtain credit who may not have traditionally qualified for a credit card. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, Orchard Bank credit cards are highly regarded by their cardmembers. With a unique approach of educating customers on all aspects of obtaining and managing credit, the Orchard Bank MasterCard® continues today as a leader in the under-served credit industry. Below are just a few of the many benefits of the Orchard Bank MasterCard®.

Reports to all 3 credit bureaus monthly, which can help improve your credit score
Free Online 24-hour Account Access and Bill Pay
Complete your application, including your security deposit, online
Set your own credit limit

New Millennium Bank Secured Gold Visa® or Mastercard®
*Bad Credit OK - Apply Now!**	New Millennium Bank has guaranteed your credit approval for up to $10,000* (with both cards) in secured credit! Build or rebuild your credit the SMART way with a NMB Gold secured credit card! Approved regardless of credit history Credit limits up to $10,000* Reports to all 3 bureaus Get cash at over 740,000 ATMs No credit check ^{* Terms and conditions apply.}

Orchard Bank Gold MasterCard®
Apply Now!	Enjoy the prestige of a Gold MasterCard Receive Gold card privileges and benefits Great credit card to strengthen or rebuild your credit Reports to all 3 credit bureaus monthly, which can help improve your credit score Free Online 24-hour Account Access and Bill Pay Periodic credit limit increases 4 Plastic Designs to choose from Choose your own Plastic

Bad Credit "A List" Prepaid Debit Cards
The following Prepaid Debit Bad Credit A Card Cards offers can be well suited for people with bad credit or less than perfect credit.

Wired Plastic™ Prepaid Visa® Card

Prepaid Visa
Bad Credit OK*
Apply Now!

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay™ to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay™ to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier!

No Upfront Payment Required – Receive your new Visa card in as little as 3 days
Overdraft Safety Program – Qualify to receive up to a $1500 cash advance directly to your card!
Rewards Program – Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads
Integrated Bill Pay Service – Pay any bill online or over the phone, even if they don’t accept credit or debit cards.
Convenient Loading Options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide

Platinum Benefit Group Prepaid MasterCard®

Platinum Benefit Credit
Bad or No Credit OK*
Apply Now!

This is a reloadable Prepaid MasterCard Card with no interest for the life of the Card! The Prepaid MasterCard Card is safer than cash and is welcomed at millions of locations that accept MasterCard debit cards. The Prepaid MasterCard Card is issued by BankFirst. If you are over the age of 18 and have an active checking account you can apply for this Card. No employment is necessary and you will not be turned down.

$2,500 Load Limit on Your Card!
Roadside Assistance
$500 Unsecured Credit Card Offer**
No Employment Required
No Security Deposit
No Credit Checks

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, they will ask for your name, address, date of birth, and other information that will allow them to identify you. They may also ask to see your driver's license or other identifying documents. "No one is turned down" is contingent upon successfully passing this mandatory identification confirmation.

Eufora™ MasterCard® Card - The Income Opportunity Card™

The Income Opportunity Card
Bad Credit OK*
Apply Today!

The Eufora Pre-paid MasterCard card is packed with benefits and rewards made for you! The Eufora card is the only pre-paid card with MasterCard benefits. You can also build or rebuild your credit with the Credit Builder Program. Plus, imagine the chance of winning a car each month. Apply today!

Guaranteed Approval†
No Credit Check
$5,000 Maximum Card Balance
Cash Rewards Program
Auto Sweepstakes
5 Ways to Load Funds
MasterCard® Benefits

Western Union® Prepaid MasterCard® Card

Western Union
Bad Credit A OK*
Apply Now!

Easy to get! Easy to use!
The Western Union® Prepaid MasterCard®¹is easy to get. No credit checks, no lengthy application, a non-refundable $9.95 Enrollment Fee for the card and you don’t even need a bank account.

Shop wherever MasterCard debit cards are accepted.
Access cash from participating ATMs².
Reload cash on your card at any of our 47,000 participating
Western Union Agent locations in the U.S.
Directly deposit your paycheck³ on the card and we'll waive the $4.95 Monthly Account Maintenance Fee⁴!
Check your card balance online or over the phone.

* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site.

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