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Bad Credit

Simply getting a credit card will not help you build your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to receiving positive marks on your credit history. Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Choose from secured and unsecured credit cards, and prepaid card offers below - some of them are fee-based.

Horizon Gold Card

  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0.00% N/A N/A N/A 0% (Fixed) $24.95 benefits plan membership will be auto-debited monthly Bad Credit

Luxe Signature

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $0 1st year, then $0 Bad Credit

UNITY® Visa Secured Credit Card

  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 9.95% 6 months 17.99% (Fixed) $39 Bad Credit