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OpenSky® Secured Visa ® Credit Card

OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.

  • No credit check to apply and find out instantly if you are approved.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • * View the cardholder agreement
Intro APR
see terms
Intro Period
see terms
Regular APR
see terms
Annual Fee
$35
Balance Transfer
N/A
Credit Needed
—

The First Progress Platinum Elite MasterCard® Secured Credit Card

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Available Nationwide
  • APR for purchases = 20.24%
  • Annual Fee = $29
  • *See all terms and conditions.

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank

CREDIT NEEDED

Fair Credit
Bad Credit

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CREDIT NEEDED

Fair Credit
Good Credit
Bad Credit

Apply Now

Merrick Bank Double Your Line® Mastercard®

  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • See all terms and conditions.
Intro APR
N/A
Intro Period
N/A
Regular APR
19.70% – 29.95%* Variable
Annual Fee
$0-$72
Balance Transfer
N/A
Credit Needed
—

The Surge Secured Mastercard®

Build Credit, Get Rewards
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
  • See all terms and conditions

This offer is NOT available in the following states: MA, CO, WV, IL

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

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CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit
Bad Credit

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Reflex Mastercard

Double Your Credit Limit with Reflex!  See if you pre-qualify

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • *see all terms and conditions

This offer is NOT available in the following states: MA, CO, WV, IL

Intro APR
—
Intro Period
—
Regular APR
—
Annual Fee
—
Balance Transfer
—
Credit Needed
—

First Progress Platinum Select MasterCard® Secured Credit Card

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Available Nationwide
  • APR for purchases = 14.24%
  • Annual Fee = $39
  • *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank

CREDIT NEEDED

Fair Credit
Bad Credit

Apply Now

CREDIT NEEDED

Fair Credit
Bad Credit

Apply Now

First Progress Platinum Prestige MasterCard® Secured Credit Card

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Availalbe Nationwide
  • APR for purchases: 10.24%
  • Annual Fee = $49
  • *See all terms and conditions

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder’s bank 

Credit Strong - Credit Builder Savings Account

  • A Better Way To Build Credit – Build Credit History and/or have an installment account reported!
  • Build Credit – Payments reported to all 3 major credit bureaus
  • No Upfront Deposit –  Pay as little as $8.95 to get started today.  Monthly Deposit Plan Options:  $15, $30, $50, $48, $89, $96
  • When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
  • Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
  • When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
  • We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
  • *See terms and conditions on website

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

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CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit
Bad Credit

Apply Now

Auto Financing and Refinancing

Auto Financing and Refinancing – Average Customer saves up to $2000 or more…
 
  • 1 Application with up to 4 loan offers in minutes
  • Apply online, 24/7 in the convenience of your home or office
  • Lowest interest rates available – average customer saves $2000 in interest charges
  • Get approved and have financing in place before going to a dealer
  • Refinance and lower your current interest rate and payments or even skip a payment
  • Also offering Private Party and Lease Buyout loans
  • Fast & free  – No fees or obligations
  • Private, secure and confidential

Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…

Self Lender - Credit Builder Account

  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
  • Savings plans start at $25/month and include credit monitoring
  • At the end of account term, you’ve built credit history and your CD savings unlock

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

Apply Now

CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit
Bad Credit

Apply Now

First Access Card (Unsecured Card)

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application; Checking account required
  • $300 Credit Line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri, Member:  FDIC
  • This program is not currently available in New York or Wisconsin.

Assent Platinum MasterCard® Secured Credit Card

  • APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Annual fee of $49

CREDIT NEEDED

Bad Credit
No Credit

Apply Now

CREDIT NEEDED

Bad Credit
No Credit

Apply Now

Grow Credit

Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.  Build Credit For Free!

We report your on-time payments to all three major credit bureaus (Equifax, Experian and TransUnion) which helps establish or boost your credit score.

  • Grow Credit is a line of credit and there is no hard credit check, and applying will not impact your credit score.  
  • Grow Credit is a MasterCard which can be used to pay for subscriptions and build your credit. You can use your card to pay for any subscription, including Netflix, Spotify, Amazon Prime, and over 100 other services. You can set it and forget it. We automatically debit the cost of your subscription from your bank account every month, ensuring timely payment. Then, we report your progress to all three credit bureaus.
  • You don’t need to have any credit history to sign up, and there is no deposit required for our Build, Grow, or Accelerate plans. For those who do not yet meet our income requirements, Grow has a Secured card option, which requires a $17 deposit.
  • It is free to sign up for a Grow Credit Build account, and there is no obligation to upgrade to a paid account at any time. Free account holders have a $17 monthly limit that can be used exclusively to pay for subscriptions, but it’s reported to the credit bureaus as a $204 line of credit ($17 per month for 12 months).
  • The Grow premium tier comes with a $50 monthly limit, reported to the bureaus as a $600 line of credit. The Accelerate premium tier comes with a $150 monthly limit, reported to the bureaus as an $1800 line of credit. 
  • If you don’t currently qualify for a Build account, you can open a Secured account. You will need to put down a $17 deposit, but that deposit will be refunded after 12 months of on-time payments.
  • See all terms and conditions on the application page.

Other FAQ

  • No hard inquiry
  • Grow Credit is available in all US states.
  •  

ROCK The Score Rental Reporting

  • Do you rent a home or apartment? 
  • Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
  • Report the past two years of rent payments for a possible boost to your credit score!
  • Pricing:  $6.95 Monthly (Keeps Trade Line Open) – $48 One time set up fee – Optional: $65 Historic Reporting
  • Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It’s quick and easy!
  • We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.

CREDIT NEEDED

No Credit

Apply Now

CREDIT NEEDED

N/A

Apply Now

NAV Business And Personal Credit Scores

Be loan ready, so you get approved!  Personal and business credit scores are the main reason business financing gets denied.

Standard Plan – FREE

  • Full business credit reports & scores:  Dun & Bradstreet® – Experian® – Equifax® (Summary Only)
  • Full personal credit reports & scores: Experian® – TransUnion® (Experian Summary Only)
  • 24/7 business & personal credit alerts
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1 Access to Credit & Lending Specialists

Business Manager – $29.99/month

  • Full business credit reports & scores:  Dun & Bradstreet® – Experian® – Equifax®
  • Full 24/7 business & personal credit alertspersonal credit reports & scores: Experian® – TransUnion®
  • 24/7 business & personal credit alerts
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1Access to Credit & Lending Specialists
  • Dispute errors on business credit reports
  • Full-Service Identity Restoration with dedicated identity specialists
  • $1M identity Theft Protection
  • Follow up to 5 businesses’ credit reports
  • Quarterly billing option
  • New! Lost Wallet Replacement

Business Manager – $39.99/month

  • Full business credit reports & scores:  Dun & Bradstreet® – Experian® – Equifax®
  • Full personal credit reports & scores: Experian® – TransUnion®
  • 24/7 business & personal credit alerts
  • MatchFactor-powered financing marketplace
  • Cash flow alerts & Insights
  • 1-on-1Access to Credit & Lending Specialists
  • Dispute errors on business credit reports
  • Full-Service Identity Restoration with dedicated identity specialists
  • $1M identity Theft Protection
  • Follow up to 5 businesses’ credit reports
  • Quarterly billing option
  • New! Lost Wallet Replacement
  • New! Build business credit with tradeline reporting
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*Affiliate Disclosure: The offers that appear on this site are from third party advertisers from which Budget Credit 360 receives compensation.

We are here to assist you with getting the things you want in life. Navigating the credit repair maze can be very challenging if you are not aware of all of the laws that regulate collectors, creditors, and credit bureaus.

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