Card Category: Building Credit

Establishing a good credit history can be challenging, particularly as several credit card companies are reluctant to work with individuals with no credit record. However, we can assist you in navigating this process. Various credit cards are specifically created to assist you in enhancing your credit and elevating your score. These credit cards are issued by leading credit providers and offer competitive APRs, little or no annual fees, and numerous advantages to simplify your life.

FIT® Platinum Mastercard®

Fast & Easy Application; Results Online in Seconds

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $See Terms*

  • Credit Recommended

    Bad to Fair

  • Regular Purchase APR

    See Terms*

  • Full Details

    Card Page

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
Card Details Page

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    One Time $9 - $15 Account Fee (Varies by Product)

  • Credit Recommended

    No Credit History

  • Regular Purchase APR

    12.03% - 15.98% (Varies by Product)

  • Full Details

    Card Page

Highlights

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you’ve built credit history and your CD savings unlocks
Card Details Page
  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $0 - $99

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    24.9%

  • Full Details

    Card Page

Highlights

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Card Details Page

Fortiva® Mastercard® Credit Card

With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward

  • Card Brand

    MasterCard®

  • Rewards Rate

    Up to a 3% Cash Back Reward

  • Annual Fee

    As low as $85

  • Credit Recommended

    See website for Details

  • Regular Purchase APR

    29.99% OR 36% (V)

  • Full Details

    Card Page

Highlights

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
Card Details Page
  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $35 - $99*

  • Credit Recommended

    Poor/Bad

  • Regular Purchase APR

    24.9%

  • Full Details

    Card Page

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S

* Dependent on credit worthiness

Card Details Page

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard®

  • Rewards Rate

    Up to a 3% Cash Back Reward

  • Annual Fee

    As low as $85

  • Credit Recommended

    Fair

  • Regular Purchase APR

    29.99% OR 36% (V)

  • Full Details

    Card Page

Highlights

  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax†
  • Simple Secure Online Application
  • Unsecured Mastercard®
Card Details Page

Avant Credit Card

Fast and easy application process

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $59

  • Credit Recommended

    Fair to Good

  • Regular Purchase APR

    29.49% Variable

  • Full Details

    Card Page

Highlights

  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard® ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
Card Details Page

OpenSky® Secured Visa® Credit Card

No credit check to apply and find out instantly if you are approved

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $35

  • Credit Recommended

    Poor

  • Regular Purchase APR

    21.89% (variable)

  • Full Details

    Card Page

Highlights

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement
Card Details Page

Group One Platinum Card

Bad Credit, No Credit? No Problem!

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged/Fair

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
Card Details Page

Freedom Gold Card

No Credit Check

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged credit to Fair credit

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

*See site for details

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit – OK
Card Details Page

Merit Platinum Card

Bad Credit, No Credit? No Problem!

  • Card Brand

    Other

  • Rewards Rate

    n/a

  • Annual Fee

    See website for Details*

  • Credit Recommended

    Damaged credit to Fair credit

  • Regular Purchase APR

    0% APR

  • Full Details

    Card Page

Highlights

  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Card Details Page