Welcome to our website.  We look forward to serving you.
Get started here.


Good Credit Cards for Bad Credit

 
 
 

Low Rate Loans | Low Rate Credit Cards | Low Rate Insurance

Let's get you approved.  Click now to connect with a lender to get you what you need.
 

Good Credit Cards for Bad Credit

We help you find affordable interest rates, for which you may qualify. Get started now to apply for Good Credit Cards with great options like:

  • Low Rates
  • Cash Back Programs
  • Hotel Rewards
  • Gifts for Usage
  • Balance Transfer Options

Serving one or more of the following states: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

 
 
 

Find Affordable Interest Rates


Search for Good Credit Cards for Bad Credit quickly and easily.

Once your application is approved, be sure to keep a balance less than half of your credit limit and pay your bill on or before the due date. This will help to ensure that any remaining balance you have will remain in good standing. Get started here.

 


Find Low Rate Offers

We recommend Low Rate Offers from the leading companies. Get started now. These recommended credit card companies specialize in being favorable to new clients.

Choose an option here.

 
 
 

 

 

Good Credit Cards for Bad Credit - Learning The Possibilities

If people have Bad Credit, how do they know which Good Credit Cards to select when there are so many choices? This article will break down a couple varieties of cards to provide a helpful understanding of the pros of each:

Cashback - With a Cashback card, customers are offered a refund that is the same as a percentage of their transactions. For instance, if there is a Cashback offer that gives five percent cash back on supermarket, gasoline, and drugstore purchases, as the cash back rewards add up they earn cash value. If you use a hundred fifty dollars in gasoline, groceries, and pharmacy items every week, at the conclusion of a year, almost $400 in cash would have accumulated.

Redeemable Points - In lieu of giving money back, some companies offer redeemable rewards. Customers receive points for making purchases. With each swipe of the card, the points add up. After a certain amount of points add up they can be redeemed for all kinds of goodies including free merchandise, gift items, magazines, and more. It is smart to be aware of whether or not the Good Credit Cards for Bad Credit you are considering offers a points program.

Gasoline Bonuses - Credit card issuers are often times understanding about the cost of fuel and will reward people for using their credit card by rewarding them with a prepaid gasoline card. As the credit card is utilized, reward points add up. Once you have completed enough transactions to accumulate a certain amount of points they can be redeemed for a free prepaid gasoline card. Sometimes, gas rewards can even be earned while making fuel purchases.

Points Toward Free Hotel Stays, Rental Cars or Frequent Air Travel Miles - When purchases are made with this kind of card, redeemable points that can be cashed in for free travel miles are earned. Once enough points are accumulated, they can be applied toward all kinds of travel arrangements including free air travel. This kind of card is great for business travelers.

0% Promotions - Finance charges are not applied on these cards for a specified amount of time. The promotional period generally spans six to twelve months. Generally, people use this interest-free period to move balances from their interest bearing Good Credit Cards to one like this and pay the balances off within the promotional period. Making monthly payments on time is incredibly important. When one payment is overdue, most times zero percent APR rates are changed to a higher rate. People that are approved for Good Credit Cards for Bad Credit, and have the opportunity to sign up for an interest free period ought to consider this card.

Secured Cards to Re-establish Credit - People with a secured card must put a few hundred to a few thousand dollars, depending on what they could afford, in a bank account that can generate interest. This is what secures the account. At that point a card is issued with a line of credit equal to the opening balance of the interest bearing account that was created. Each time a transaction is approved your available credit is recalculated, low interest regularly scheduled payments are determined, and a bill is is mailed or emailed if you choose paperless billing. If the card is active you will receive a payment plan. Secured Cards to Re-establish Credit are excellent because they operate like regular credit cards allowing you to do things that debit cards may not, like making travel arrangements such as vehicle rentals that generally do not take check cards. When applicants have bad credit approval is ordinarily guaranteed despite your credit profile. However, keep in mind that many secured card issuers report the way you pay your bill to Experian, Equifax, and Trans Union. This can be a wonderful approach to prove you are creditworthy by showing scheduled payments no matter if you have Bad credit or not. Once you have paid six to twelve payments on or before their due date, some secured card companies will approve a higher limit without requiring another deposit to the initial secured account.

Prepaid Credit Cards - With a Prepaid card, purchases can be made without interest, fees, or finance charges. Just like a typical bank account, a certain amount of money is deposited into an account and that becomes the amount that can be spent. When the prepaid account balance is used up, you can recharge it with an additional deposit. Reloadable prepaid cards are excellent for financial planning, purchases can be tracked, and they are a great solution for those that cannot obtain a typical checking account. Quick approval is usually guaranteed despite your FICO profile and there is no need for the prepaid company to contact the credit bureaus.

With all of the different kinds of Good Credit Cards for Bad credit and benefits that each of them offer, it is easy to identify the best solution for your situation. Seek Good Credit Cards that offer rewards that match your lifestyle and spending style. Once you are approved be sure to spend wisely and pay the bill on or before the due date. Superb credit is an awesome thing to have.

To ensure that you keep developing the best credit score, obey these three rules:

1. Keep your bill lower than the credit max. Simply put, don't "over spend". Make sure to keep a balance that is about fifty percent of the limit on any Good Credit Cards for Bad Credit.

2. Make the monthly payments by the due date. Even if you cannot make more than the minimum payment due, that's ok. If you miss a payment, that information will be reported to the credit reporting agencies. This could bring down your FICO score. Unfortunately, when this happens you may also be assessed a higher interest rate as a result of a single tardy payment. Therefore it is recommended that consumers stay on top of the bill.

3. Pay the balance completely every so often. When you make purchases, try to pay it all off at least once a year. After the bill has been paid down to zero it is wise to start swiping your card for purchases again and take a few months to pay the balance off again, and don't stop this habit. This cycle confirms to the issuers that you will be a great customer. You could also be rewarded with lower rates, higher credit limits, and a higher FICO score.

Our partners proudly serve one or more of the following regions: Alabama * Alaska * Arizona * Arkansas * California * Colorado * Connecticut * Delaware * District of Columbia * Florida * Georgia * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Maine * Maryland * Massachusetts * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Jersey * New Mexico * New York * North Carolina * North Dakota * Ohio * Oklahoma * Oregon * Pennsylvania * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Vermont * Virginia * Washington * West Virginia * Wisconsin * Wyoming

Good Credit Cards for Bad credit are our specialty. Click here to get approved for a card that could be the answer to your needs.

offer