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Consumer Credit Card Guide > Credit Cards for People with Bad Credit

Credit Cards for People with Bad Credit

The following Credit Cards are for People with Bad Credit or less than perfect credit. These cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits. Choose from both secured and unsecured credit card offers below.

First PREMIER® Bank Gold MasterCard®

Receive a 5% credit to your account balance on all payments for 12 months
Receive a response in 60 seconds*
Low APR on Purchases*
Reports monthly to 4 Major Credit Bureaus
Enjoy the benefit of 24 hour account access by phone

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
See website*	See website*	See website*	See website*	See website*	All credit types accepted*

First PREMIER® Bank Classic Card

Receive a response in 60 seconds*
You may qualify for a MasterCard® or Visa®.
Low APR on Purchases*
Reports monthly to 4 Major Credit Bureaus*
Enjoy the benefit of 24 hour account access by phone*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
See website*	See website*	See website*	See website*	See website*	All credit types accepted*

Orchard Bank Classic MasterCards

0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	as low as 7.90%*	$0-$79*	Yes*	Bad Credit OK*

Centennial Gold MasterCard® from First PREMIER® Bank

Receive a response in 60 seconds*
$50 Credit Limit Increase by Making your first 2 Minimum Payments!
Low APR on Purchases*
Reports monthly to 4 Major Credit Bureaus
Enjoy the benefit of 24 hour account access by phone

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
See website*	See website*	See website*	See website*	See website*	All credit types accepted*

Centennial Visa or MasterCard® from First PREMIER® Bank

Centennial Visa or MasterCard Application

Receive a response in 60 seconds*
Low APR on Purchases*
Reports monthly to 4 Major Credit Bureaus
Enjoy the benefit of 24 hour account access by phone

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
See website*	See website*	See website*	See website*	See website*	All credit types accepted*

Continental Finance MasterCard®

Get Your Application Results in Seconds
Monthly reporting to the Major Credit Bureaus
Free Online Access
Excellent Online Tools for Managing Your Finances
Semi-Annual Credit Limit Increases*
No Minimum Monthly Income Requirements
Unsecured MasterCard Accepted at Millions of Locations Worldwide

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	19.92%*	$50.00*	N/A*	Bad Credit OK*

Orchard Bank Low APR MasterCards with Interest Rebate

7.9% - 8.9% variable purchase APR on all cards
Free standard Online Bill Pay, no matter how often you use it
Interest Rebate on periodic finance charges charged on purchases for the first 6 months of your account when you make at least your
minimum payment due on time each month and stay within your credit limit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	as low as 7.90%*	$5-$8/mo*	N/A*	Bad Credit OK*

Orchard Bank Low APR MasterCards

7.9% - 8.9% variable purchase APR on all cards
Free standard Online Bill Pay, no matter how often you use it
Your choice of payment due dates to make paying your bill on time easier with online enrollment
Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment

Intro APR	Intro APR Period	Regular APR	Monthly Fee	Balance Transfers	Credit Needed
N/A*	N/A*	as low as 7.90%*	$5-$8/mo*	N/A*	Limited OK*

* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site.

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