Credit Help Credit Cards
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First PREMIER Bank Platinum Credit Card
9.9% APR* Interest on Purchases
Monthly reporting to 4 major credit bureaus
Account Set-up Fee: $29* (one-time fee)
Program Fee: $95* (one-time fee)
Annual Fee: $48*
Monthly Servicing Fee: $7*
Grace period on purchases of 25 days
Initial minimum credit limit will be at least $250*
Above Fees are billed to card making available credit $71*
Consideration of a credit limit increase after 6 months
Quality Customer Service
*See terms and conditions
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Rewards 660 Visaฎ Credit Card
 % APR*
This is an unsecured credit card
$300 starting credit limit*
$250 of fees will be billed to the card*
Participation Fee of $10 / month*
Automatic credit limit increases (optionable)
Reports to Equifax and TransUnion credit bureaus
Grace Period 25 days
Free Online Account Access
*See Card Terms & Conditions
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Total Visaฎ Card
 % APR
$48 Annual Fee
One-time: Program Fee $96, Set-up $56
Participation Fee $8 monthly
You get the status of a major credit card
Credit reported to ALL 3 credit bureaus as Unsecured
*See Card Terms & Conditions
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UltraVX Visaฎ by Metabank
APR:  %
UltraVX Visa has three different accounts, each with its own balance
No credit check or Income requirement
Cash Account: cash loads, Money Transfers, Transfers, Bill Payments
Secured Account is used to secure the Credit Line
Credit Account is used for all your purchases (reported line of credit)
When exceeding Credit Line - automatic Transfer from Cash Account
Maximum Credit Line is $25000
UltraVX Visa is a credit card which may build your credit rating
UltraVX reports to the major credit bureaus each month
Safeguard credit score: automatically taking payments from CashAccount
Minimum payment is 4% of the Outstanding Credit Balance
Load methods: direct deposit, PayXone, Western Union, MoneyGram
UltraVX offers alerts to help you stay updated on account activity
Earn CLEAR REWARDS for Airlines, Hotels, and many more |
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Orchard Bank
Custom Fit Mastercardฎ
Application will recommend credit card that best fits your needs
Application process can be aborted or customized at any time:
Fill out the inquiry form
View the credit cards you're actually pre-qualified for
Read terms & conditions of the credit card you've selected
Free online account management tools
Your choice of payment due dates
Zero Liability Fraud Protection
Platinum:
0% Intro APR for 6 months on Purchases & Balance Transfers
$0-$72 annual fee
Variable Purchase APR 8.90%-18.90%
$0-$29 setup fee's
Gold:
$39-$96 annual fee
Variable Purchase APR 8.90%-18.90%
$19-$39 setup fee's
Secured:
$0-48 annual fee
Variable Purchase APR 8.90%-14.90%
$100-200 minimum deposit
*See Card Terms and Conditions
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Continental Finance Gold MasterCardฎ
As Low As 9.75% APR*
Set-Up Fee: $200 (one-time)
Annual Fee: $25
Maintenance Fee: $12 monthly (starting second month)
Grace Period Not less than 25 days from Statement Date*
Monthly Reporting to Major Credit Bureaus Unsecured Creditline
FREE Online Access
Excellent Online Tools for Managing Your Finances
Semi-Annual Credit Limit Increases
*Approval subject to other criteria
*See terms and conditions
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Access Unsecured Visaฎ from Plains Commerce Bank
Fixed APR  %
$48 Annual Fee
One-time: Program Fee $96, Set-up $56
Participation Fee $8 monthly
Reports to All Major Credit Bureaus
Free 24hour Online Account Access
25 day grace period
Bad Credit? No Credit? Give Access It a Try
Outstanding Customer Service
*See Card Terms & Conditions
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Secured Credit Cards
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First PREMIER Bank Secured Visaฎ/MasterCardฎ
Annual Percentage Rate for Purchases 19.9% APR*
Annual Fee: $69*
Deposit account at least $200, maximum $5000
Initial credit limit will be equal to your security deposit
Consideration of credit limit increase in little as 6 months
Grace period on purchases 25 days
Wisconsin residents are not eligible
*See terms and conditions
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New Millennium Bank Secured Platinum Mastercardฎ
 % or up APR*
Credit limit of $300 to $5000
Processing fee $69.95*
Annual Fee $59*
NO CREDIT CHECK, We verify only your age, SSN, residence
Reports to all 3 bureaus
$100000 travel accident insurance
Auto rental insurance
Extended warranty protection
*See terms and conditions
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New Millennium Bank Secured Black Diamond
Card
Annual Percentage Rate 19.5% APR*
Annual Fee $59*
Credit limit of $300 to $10000 equal to balance in savings account
Not considering your credit history
Verifying only your age, social security number and residence
Solid credit history on your account
Ability to request credit line increases at any time with additional deposit
Grace Period for Purchases None
Rated 4 stars (Excellent) by Bauer Financial Services
Deposited funds are FDIC insured
*See terms and conditions
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College Student Credit Cards
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Bank of Americaฎ Student Platinum Plusฎ Visaฎ
 % Variable APR*
No annual fee
No cosigner required
Receive a $25 statement credit after qualifying transaction
Total Security Protectionฎ
Card issued by FIA Card Services, NA.
*See terms and conditions |
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Bank of America Fidelity Investmentsฎ 529
College Rewardsฎ American Expressฎ
0% Intro APR on balance transfers & cash advance checks for 12 months
Then and purchases a
 % APR*
Earn 1.5% on net retail purchases charged to the card
Earnings transfer to your Fidelity Managed 529 Plan Account
Automatically
American Express Selects enjoy special online offers
Card issued by FIA Card Services, N.A
*See terms and conditions |
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Capital Oneฎ Platinum Card for Students
0% APR on purchases for up to 3 months*
Then a variable
 % APR*
No Annual Fee
No Balance Transfer Fee
Credit Limit $300- $3000*
up to 40% off deals & 10% at Capital One Saving Zone on Yahoo Shopping
Collision, Damage, and Loss Insurance on rental cars
Customize your card design
*See Card Terms & Conditions |
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Capital Oneฎ No Hassle Cash SM for Students
0% APR on purchases for up to 3 months*
Then a variable
 % APR*
Annual Fee $29
1% cash back on purchases
25% annual bonus on the cash you've earned during the year*
Rewards won't expire for the life of your account
No Balance Transfer Fee
Credit Limit $300- $3000*
up to 40% off deals & 10% at Capital One Saving Zone on Yahoo Shopping
Collision, Damage, and Loss Insurance on rental cars
*See Card Terms & Conditions |
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Discoverฎ Open Road SM Card for Students
0% Interest on Purchases 6 months
Then a
 % APR*
Full 5% Cashback Bonusฎ on gas & auto maintenance purchases*
Up to 1% unlimited Cashback Bonus on all other purchases*
Increase even double value Bonus at 80 Cashback Partners
Easiest online account management options
$0 Fraud Liability Guarantee
No Annual Fee
Good Credit Required
*See terms and conditions
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Discoverฎ Student Card - Monogram Collection
0% Interest on Purchases 6 months
Then a
 % APR*
No Annual Fee
Timely E-mail reminders help avoid fees
5% Cashback Bonusฎ in categories that change 4 times a year*
Up to 1% Cashback Bonusฎ on all other purchases automatically*
Up to 20% Cashback Bonusฎ when you shop online*
Double rewards with more than 80 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
Unlimited cash rewards that wont expire
*See terms and conditions
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Chase Flexible Rewards Student Card
0% Intro APR* on all purchases & balance transfers for up to 6 months
Then a
 % APR*
No Annual Fee
1 point per eligible dollar spent in net purchases
Redeem rewards points at retaliates like:best-buy or starbucks
great cardmember benefits, and establish your credit history
Grace period at least 20 days |
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Chase +1 SM Student MasterCardฎ
0% Intro APR* on purchases & balance transfers up to 6 months
Then a
 % variable APR*
No Annual Fee
Earn Karma Points
15 Karma Points just by getting approved for a Chase credit card
Earn more Karma Points at Facebook.com/plus1
Share points with friends, give points to support causes
Get the limited edition Facebook t-shirt with 10 Karma Points
Redeem Points for music, movies, electronics, & more in Chase+1 store |
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Shopping / Department Cards
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USA Universal Titanium
0% Annual Percentage Rate APR for Purchases
Reported to a major credit bureau as an unsecured credit line
Instant *guaranteed online approval
Membership in the USA Credit Plan is $149.95
Initial $7500 credit line
FREE Credit Limit Increase Available after 6 months of $2500
Optional ELITE Status Membership
No credit checks or turndowns
Apply now and get a $50 gift card or prepaid visa |
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Free Credit Club
0% Purchase APR*
Merchandise credit line of $2500
No upfront fee
At any time pay off full unpaid balance without penalty or costs
NO Credit Check or employment verification
Optional upgrade to $7500 merchandise credit line and Credit Manager
Minimum monthly payment is $25 or 15% of the outstanding balance, whichever is
greater |
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All American Gold
No Credit Check, No Interest Charges
30 days money back guarantee on membership fee
Credit line $6000
$149.95 1-time application fee BUT receive a $300 Grocery Gift Card
Minimum monthly payment required is $25 or 15%
Down payment approximately 20-30% may be required |
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USA Gold
No Credit Checks
Credit line $300 - $5000
0% APR unless you're late
Reporting to a
credit bureau
No annual fee
$149.95 1-time application fee BUT receive a $300 Grocery Gift Card
*See website for terms and conditions
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Horizon Gold Card
Reported to a major credit bureau as an unsecured credit line
Unlimited access to your Credit Report
Membership Fee $14.95 a month
Initial $500 credit limit
We will not check your credit report !
Required to have an active debit or credit card in your name
$20000 in Identity Theft Protection Insurance |
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USA Platinum
Instant *Guaranteed Online approval
No Credit Checks
No Interest Charges
Credit line $7500
Checking or Savings account required
Reporting to a credit bureau a $7500 unsecured credit line
*See website for terms and conditions |
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Stored Value / Prepaid Creditcards
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Eufora Stored Value MasterCardฎ Card
Annual fee $29.95 or $59 for Credit Builder
Value Load Fee $1
Optional Credit Builder +$6/month (credit reporting)
Cash Reward Program
Online Access
Zero Liability
Identity Theft Insurance
Auto Rental Insurance
Up to 200000 Travel Accident Insurance |
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Wired Plastic Prepaid Visaฎ Card
NO Credit Card required even to open account
FREE=Payroll Direct, Check/MoneyOrder, ACH, PayPal, Online Funds
$3.95 per month & one-time $9.95 fee to own + initial balance
Online Account Management
Earn Wired Points Prepaid Airtime Minutes every $1=1second
Good for Verizon, TracFone, Cingular & AT&T
Receive 1000 bonus Points when you load & activate your card
May Review Your Credit History
May Review ID, SSN, BILL in your name (depending credit history) |
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Western Unionฎ Prepaid MasterCardฎ
Reload card at any of 47000 participating Western Union locations
One-time non-refundable Activation $9.95 Fee applied 1st Card load
You dont even need a bank account
Directly deposit paycheck on the card & waive the $4.95 Monthly Fee
Check card balance online or over the phone
Nothing to pay until you receive & activate your card
Free Online Balance Inquiry
Free Call/Balance Inquiry
Free Live Customer Service Assistance
Free Electronic Statement
Max Balance $2500 (max $950 load/day)
Card will arrive within 5 to 7 business days of enrollment |
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First Vineyard edition Wired Plastic
First Vineyard does not set a limit or charge a fee for transactions
1% cash back on your own spending
SSN & bank account/credit card required for initial fee
$6.95 per month and one-time $39.95 fee to own
No credit approval/check required
Recharge it as you see fit with direct deposit, MO, cashiers check ect. |
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BuyRIGHT Stored Value MasterCardฎ Card
Monthly Fee $7.95 then free POS
Or no Monthly Fee then $1 POS
One-time activation fee of $29.95 +$20 minimum load
Activation options: CC or Bank Account, Western Union
Payment option: Money Order, CC or Account, Western Union
Automated Customer Service Fee Free (live $1)
Free Easiest Online Account Management Options
Direct Deposit Free, ACS & M.O. $1
Pay Bills Online With Click-n-Pay $1
Access BuyRIGHT Membership and prepaid card at one location |
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Millennium Advantage Pre-Paid MasterCardฎ
One-time acceptance fee $29.95
Load fee of $1 each time
Maintenance fee $5.95 per month
ATM cash transaction fee $1.95
ATM balance inquiry of $.75
Call center fee of $1 per minute
No credit check or income verification required
No Chexsystem check
Phone and On-line account access |
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All Accessฎ Prepaid Visaฎ Cardฎ
No upfront costs and no minimum balance requirements
Signature Purchase:$1,PIN:$2
Monthly Fee:$0-$9.95(at $9.95 unlimited free sig/pin Purchases)
Shipping & Handling:$9.95
FREE direct deposit
Free Account to Account Transfers
Reload: Direct Deposit, Bank ACH Transfers, Retail Locations, PayPal
All accounts are FDIC insured up to $100000
Toll free number 24/7 Account Access
Up to 3 Prepaid Debit Cards on your account
$5 referral bonus
Pay nothing till you receive card!
Earn 3% on your money |
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Baby Phat Prepaid Visaฎ RushCard
Free to add money: Deposit, Check, MO, Retail Locations
Free Online Statement
Free 24x7 customer service
No Hidden Fees
Activation Fee $19.95
Maximum Card Balance $9999
Non-PIN Transactions $1 ($10 max per month)
ATM Withdrawal Fee $1.95 ($3.50 outside the U.S.)
Pay bills quickly from over 20000 electronic billers
Everyone Approved pending verification of identity
Refer friends and receive $5 |
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AccountNow Prepaid Visaฎ Card
Card activation $9.95, Premium $29.95
Monthly Maintenance $4.95, Premium $9.95
Deposit Funds (except bank wires) FREE
FREE paycheck direct deposits
Signature Purchases FREE
PIN-Based Purchases $0.50
International Purchases $1.00
FREE Online Web Service and Monthly Statement
FDIC Insured Deposits up to $100000
Visa Zero Liability for unauthorized use
Premium Plan:
1 FREE cash withdrawal per month, then $2
FREE Credit Builder, reports payment history to PRBCฎ credit bureau
Bill Pay Transaction 7 monthly transactions FREE; then $1 each
Write checks online with FREE bill pay
Perfect alternative to a checking account |
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