Credit Cards Establish Credit

Do you have open lines of credit? If not, we advise all of our clients to establish positive lines of credit, specifically at least one revolving line of credit. A revolving line of credit will ensure at least one positive line of credit reporting positive credit history to all three credit bureaus to optimize credit scores. Below are some affiliate links to credit card products we recommend to establish good credit.

OpenSky® Secured Visa® Credit Card

Credit Needed: Bad Credit • No Credit

APPLY NOW

  • No credit check – 89% approval rate
  • Earn up to 10% cash back
  • $200 refundable deposit
  • Reports to all 3 bureaus
  • Free FICO® score in app

Regular APR: 24.39% (Variable)   |   Annual Fee: $35

First Progress Platinum Select Mastercard® Secured Credit Card

Credit Needed: Fair • Bad Credit

APPLY NOW

  • 1% Cash Back Rewards
  • Deposit $200–$2,000 (can grow to $5,000)
  • No minimum credit score
  • Bankruptcy OK

Regular APR: 17.74% (Fixed)   |   Annual Fee: $39

OpenSky® Launch Secured Visa® Credit Card

Credit Needed: Bad Credit • No Credit

APPLY NOW

  • Only $100 minimum deposit
  • No credit check
  • Earn up to 10% cash back
  • Monthly fee instead of annual fee

Regular APR: 28.49% (Variable)   |   Annual Fee: See terms

OpenSky® Plus Secured Visa® Credit Card

Credit Needed: All Credit Types Welcome

APPLY NOW

  • No Annual Fee
  • No credit check
  • Earn up to 10% cash back
  • $300 minimum deposit

Regular APR: 28.49% (Variable)   |   Annual Fee: $0

Surge® Platinum Mastercard®

Credit Needed: Bad Credit

APPLY NOW

  • Unsecured – no deposit required
  • Up to $1,000 initial limit
  • Pre-qualify with no impact
  • Reports to all 3 bureaus

Regular APR: See Terms   |   Annual Fee: See Terms

Reflex® Platinum Mastercard®

Credit Needed: Fair • Bad Credit

APPLY NOW

  • Unsecured card
  • Initial limit up to $1,000
  • Fast pre-qualification
  • Worldwide Mastercard acceptance

Regular APR: See Terms   |   Annual Fee: See Terms

FIT™ Platinum Mastercard®

Credit Needed: Fair • Bad Credit

APPLY NOW

  • Unsecured – no deposit
  • $400 starting limit
  • Quick pre-qualification
  • Reports to all 3 bureaus

Regular APR: See Terms   |   Annual Fee: See Terms

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