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Poor
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
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Bad/Fair
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Imagine Credit Cards

Imagine Gold MasterCard from First Bank of Delaware was designed to meet the needs of customers with bad or no credit who had been denied elsewhere. One of the major assets of Imagine credit card was that it provided an opportunity to build or rebuild credit history. Regular credit reporting helped to improve credit faster. But like many of the credit card deals for customers with low scores, Imagine card offered low spending limit, high interest rates on purchases and cash advances and high fees. It also required to set up an automatic payment plan.

Imagine card is not available to new applicants any longer, but even if you have bad credit or no credit history, you can choose from a variety of offers. On our site you can compare applications similar to Imagine card. Choose what is best for you from the top credit card deals, secured and prepaid debit cards for bad or no credit.

Build Your Credit History

Your credit report is a description of your creditworthiness and probability of you paying off your debt. For lenders it indicates the risk they run if they extend you credit. Approval, interest rates, spending limit and other credit terms are determined based on your credit score. The better your history is, the lower the APRs and better the credit terms are and vice versa. To qualify for better, you need to build credit or improve your current rating.

One of the ways to start establishing your history or rebuilding credit is to apply for a credit card that provides monthly credit reporting. Make all payments to your lenders regularly and on time and stay within your credit limits, keep in mind that payment history and credit utilization are two major factors determining your credit score.

Credit Cards and Prepaid Debit Offers

One of the major decisions you need to make is whether a credit card or a prepaid debit card is the right choice for you.

Prepaid debit cards are popular for 100% guaranteed approval rate, no credit check, no exorbitant interest charges and no risk of taking on debt. This is a sound and secure payment tool that enables you to set up a free direct deposit of your paycheck or government benefits (or you can use any of the other ways to load money onto the card), make purchases in-store and online, make travel arrangements and conveniently pay bills from your home. With some of the best prepaid debit cards you can also build credit!

Credit cards offer same convenience of online and in-store payments as prepaid debit cards do and also can help build or improve credit history faster. Of course just to have a card is not enough to rebuild your score, you need to make sure you apply for a card that regularly reports to credit bureaus. And you need to pay all creditors on time and be wise about how much of available credit you use. And keep in mind that credit card deals for bad or no history usually have high interest rates and fees and low spending limits. And you run the risk of accumulating debt if you fail to pay on time.

Compare and choose what is best for your needs and habits and apply today. It is fast, easy and secure to apply with us!

FAQ


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.

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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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