Thank you for visiting us. Click here to visit the home page.
Start now.


Top Credit Cards for Bad Credit

 
 
 

Loans with Low Rates | Credit Cards with Low Rates | Insurance with Low Rates

What are you waiting for?  Get started on your new application now.  Connect with a lender that understands.
 

Top Credit Cards for Bad Credit

We search for low interest rates. Are you qualified? Click now to search for Top Credit Cards that offer nice options such as:

  • Low Rates
  • Cash Back Rewards
  • Rewards Programs
  • Bonuses
  • 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

 
 
 

Get Low Finance Rates


Apply for Top Credit Cards for Bad Credit fast and easy.

If you are approved for a new card, it is important to keep your balance at a minimum and make your monthly payments when they are due. Following these tips will ensure any remaining balance you possess will remain open. Start now.

 


Get Low Rate Offers

We help you search for Low Rate Offers from well known credit card issuers. Click now to get started. These recommended credit card companies specialize in granting credit to new customers.

Choose an option here.

 
 
 

 

 

Top Credit Cards for Bad Credit - Knowing The Opportunities

When people have Bad Credit, how can they distinguish which Top Credit Cards to choose when there are so many possibilities? The information below will break down several types of cards to provide a useful understanding of the advantages of each:

Cashback - With a Cashback card, customers are offered a refund equal to a percentage of their purchases. For instance, if a customer has been approved for a Cashback offer that provides 5% cash back on groceries, gas, and drugstore purchases, as purchases increase and rewards accumulate, they can converted to cash. If you use one hundred and fifty dollars in petro, food, and drugstore items weekly, at the end of a 12-month period, almost $400 in rebates would be ready to cash out.

Redeemable Points - Instead of providing cash rebates, some lenders offer redeemable rewards. Customers get rewards when purchases are made. As purchases are made, the points add up. Once a specified number of points have accumulated they can be cashed in for perks like free merchandise, gifts, magazines, and more. It is wise to see if the Top Credit Cards for Bad Credit you are considering offers a points program.

Fuel Rewards - Lenders are often times considerate of the price of gas and want to reward their customers for using their cards by rewarding them with a prepaid gasoline card. As transactions are completed, points are accumulated and summarized. Once you have completed enough transactions to accumulate a certain amount of points they can be cashed in for a prepaid fuel card. The cool thing is, with some cards gas rewards can even be earned while buying gas.

Points Redeemable for Free Hotel Accommodations, Car Rentals, or Frequent Air Travel Miles - When purchases are made with these cards, customers can earn frequent traveler's points that can be redeemed for free travel. Once a certain number of points have been accumulated, they can be applied toward all kinds of travel arrangements including free air travel. Frequent travelers really like these rewards.

0% Promotional Interest Rates - What does this mean? Simply put: for a limited time, finance charges are not incurred. The period where no finance charges are being applied generally lasts anywhere from six to twelve months. Smart people use this time to shift outstanding balances from their high interest Top Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making timely payments is imperative. When the first payment is overdue, typically zero percent APR rates go up to a higher rate. Individuals that are applying for Top Credit Cards for Bad Credit, and have the opportunity to sign up for a zero percent promotion should choose this opportunity.

Secured Credit Cards - Customers that have a secured credit card must insert a few hundred to a few thousand dollars, depending on what they could afford, in an account that generates interest that the secured card issuer will set up. This account serves as the security for the issuer. At that point a card is issued with a spending limit in the amount of the deposit. Each time you swipe your card your available credit is recalculated, affordable monthly payments are calculated, and payment plan is is mailed. If transactions are being approved, low monthly payments will become due. Secured Credit Cards are perfect because they operate like normal credit cards allowing customers to do things that debit cards may not, like making travel arrangements such as vehicle rentals that usually do not take check cards. One of the best things about the application process is that approval is usually guaranteed even if your credit is poor. This is good because many secured card companies submit your repayment history to the credit bureaus. This could be a remarkable practice to establish creditworthiness by making timely payments whether you have Bad credit or not. Once you have paid six to twelve payments on or before their due date, many times the limit can be increased without requiring an additional deposit.

Pre-paid Credit Cards - With a Pre-paid card, there is no guesswork. Similar to a typical bank account, a certain amount of money is deposited into an account and this is the amount that can be used for purchases. When the prepaid credit card balance becomes depleted, simply put more cash into the prepaid account and your card will be ready for use once again. Reloadable prepaid cards are fantastic for parents to use to give an allowance to their teen or college student, they offer the kind of flexibility that debit cards have, and they are generally granted to those that may not qualify to get a standard checking account. Approval is usually granted regardless of your FICO profile and there is no need for the bank that issues the prepaid cards to send any inquiries to the three bureaus.

With all of the different kinds of Top Credit Cards for Bad credit and rewards that are available, there is something for everyone. Look for Top Credit Cards that make sense for your situation that will allow you to control your spending habits. When you receive your card be sure to stay within your credit limit and make your payments on time every month. Top notch credit is fantastic asset.

To make sure that you keep growing a superb credit report, follow these easy directions:

1. Always have a balance lower than the credit limit. Another way of saying it is, do not "over spend". Experts agree that consumers should carry an account that is no more than half of the limit on any Top Credit Cards for Bad Credit.

2. It is important to pay the bill when it is due. Even if a small payment can be made, it is better to make that small payment on time then it is to try and pay more at a later date. If the bill is paid 30 days after the due date, it will be forwarded to the credit reporting agencies. This negatively affects the consumer's credit report. Not to mention customers may also have to pay an increased interest rate as a result of just one past due payment. Hence it is wise to make payments.

3. Repay all balances down to zero every few months. When purchases are made, make it your goal to pay it all off as many times a year as possible. After completing this, you can feel free to start using the card again and take a few months to pay the balance off again, and make this your repayment pattern. This repayment history illustrates to the issuers that you are creditworthy. Most lenders reward customers like this with a lower interest rate, an increased credit limit, and a better FICO score.

Our network members serve one or more of these 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

Top Credit Cards for Bad credit are simple to apply for. Click now to start the application for a card that suits your needs.

id