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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.
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Card Name Credit History Intro APR Purch. (Intro Period) APR % Annual Fee Rewards Apply / Details
WebBank/Fingerhut Credit Account
WebBank/Fingerhut Credit Account
Bad
n/aSee Terms$0n/a
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
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Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa®
Poor
N/A16.99% - 24.99% Variable$0 - $99Cash Back
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
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Cards for Poor Credit


When you establish a savings account, take a loan, or even set up a cell phone account, you contribute to your credit profile. Your credit score goes up and down according to your financial behavior. The higher it is the better. When you pay off credit cards and loans in a timely fashion, your score improves. However, if you have no payment history, or have been delinquent in the past, you probably have a bad credit score which needs to be rebuilt. There are three main consumer reporting agencies in the U.S. that track your payments to creditors. If your credit report has a score of less than 639**, it is considered to be a bad credit score. Getting a credit card with bad payment history can be difficult. The options are limited and some of the cards have high fees and high interest rates for riskier cardholders. Here, you can compare a number of credit cards for bad credit.

Secured Credit Cards


Learning how to improve your credit score is the first step in fixing or rebuilding your credit. A secured credit card is one option. This type of card has advantages and disadvantages. Before the bank issues a secured card it will require a deposit. By requiring a security deposit, the bank decreases the risks connected with this credit line. If you fail to pay off your debt, the bank has a right to take the deposit as a credit payment. You should avoid this scenario as it will negatively impact your score. You can find these types of cards in the 'bad/no' credit section of our site. So whether you are trying to get a credit card for the first time and you have bad credit, or you are rebuilding credit, we have several offers for you. Please, note that you may rebuild your credit history by making on time payments to all your creditors and keeping your account balances low relative to the credit limit.

Credit Cards and Bankruptcy


If you recently started building your credit, you will have a low credit score. However, there are also cases when a credit score drops dramatically due to a debtor not meeting his obligations. No matter what the reason was, whether it was loss of job, onset of illness, or fiscal irresponsibility, you may have been forced into bankruptcy to stop collection efforts. Depending on the kind of bankruptcy you file, there can be different terms under which your debt is resolved. If you have filed for bankruptcy, it is possible to rebuild your credit by making on-time minimum payments with all of your creditors and keeping your account balances low relative to the credit limit. There are credit cards for bad credit that will help improve your credit profile with regular payments. Start by applying for a credit card for someone with poor credit and keep the payments up to date and the balance low. We offer an array of the best credit card offers for people with bad and no credit, so you can choose the best option for you.

The latest question of Immediate Credit Card Care Service


At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?

Answer:
Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) after you make $1,000 or more in purchases within the first 90 days of your account opening”. This benefit will qualify for a round-trip coach Companion Fare on Alaska Airlines when traveling with another passenger on a paid published coach airfare on the same itinerary, booked at the same time. However, this benefit applies to Visa Signature consumer accounts only. If you are approved for a Platinum Plus® account, you won’t qualify for this benefit. Please contact Alaska for more details.

I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options?

Answer:
You may like one of the regular travel rewards credit cards offered by major banks. Travel rewards credit cards allow earning miles on all purchases. The cards also have one-time sign up bonuses which may be enough for a domestic flight. There are credit offers without annual fees, the other offers come with rather low fees that can be covered with rewards easily. The travel rewards credit cards will allow you to redeem earned miles with any airline, provided your tickets are bought with that travel rewards credit card.
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Credit History Center

1. What Is A Credit Score?

A three-digit number defining your eligibility for a certain type of credit card deals is called a credit score and is a matter of concern for everybody who cares about his/her financial affairs. As you have no accounts or loans you have 0 credit score**, and if you apply for a credit then, the bank will consider you as maximum risk and you will be charged the highest rates possible in order to cover the risk. As you have relationship with banks and other financial institutions, you accumulate points for every action - opening or closing accounts, application for a credit card or loan, making payments or being late with your payments - everything is recorded in your credit file and the result of your behavior is expressed as a credit score. Different credit bureaus can have different systems of credit score calculation, so your credit rating as taken from several bureaus can slightly vary. The only way you can get your current credit score is ask credit reporting agency for a credit report.

2. How Do You Get Credit Score?

Every citizen can learn his credit score by getting a credit report from one or several credit bureaus (the latter giving a more complete picture). You can contact credit bureaus via Internet, as there are official sites for submitting an application for a report, and some phone numbers are available. Once a year you have a right to receive your credit report free of charge, but if you want to be sent the report more often, or order some special services (like constant watch of your credit file), the credit bureau will charge a fee. It is recommended to check your report on a regular basis to be sure of your eligibility and detect identity theft if it happens, as soon as possible.

3. How To Improve Your Credit Score

If you have bad credit, it's natural you are interested in the ways to improve your score as soon as possible. According to financial experts, there are a few simple rules for building a healthy credit profile. Pay always on time, better earlier than later. Do not go over the limits to avoid increased fees and rates and improper debt to income ratio. Check your credit report before applying for a card or loan, as if you turn to be not eligible, the denial will decrease your score. So, if you stick to these recommendations, very soon you may be eligible for the top credit card deal and use all the benefits available for people with excellent credit!

**FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit product.
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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.
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