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If you have a low credit score – under 670 – know you are not alone. Experian estimates that one-third of Americans fall into that category. A low credit score can be frustrating; you’re limited to loans with high-interest rates and your credit card applications are continuously rejected.
We’ve all been there – trying to get credit and constantly failing. Thankfully, certain credit cards are designed for people with less-than-stellar credit scores!
In this post, we’ll explore our five favorite credit cards – the Merit Platinum Card, Fit Platinum Mastercard, Reflex Platinum Mastercard, Surge Platinum Mastercard, and Destiny Mastercard – and how they offer a solution to those who need credit now.
| Credit Card | Annual Fee | Intro APR | Regular APR | Credit Score Range | Monthly Fee | Learn More |
|---|---|---|---|---|---|---|
Merit Platinum Card> |
$0 | N/A | 0% | 300-600 | $24.75 |
Apply Now
|
Fit Platinum Mastercard |
$99 | N/A | 29.99% | 300-640 | $6.25 ($0 the first year) |
Apply Now
|
Surge Platinum Mastercard |
$75-$125 | N/A | 29.99% | 300-640 | $10 ($0 the first year) |
Apply Now
|
Reflex Platinum Mastercard |
$75-$125 | N/A | 29.99% | 300-719 | $10 |
Apply Now
|
Destiny Mastercard |
$59-$99 | N/A | 24.90% | 300-700 | N/A |
Apply Now
|
Captured your interest? Keep reading and see if we have the perfect card for you!
1. Merit Platinum Card: No Credit Check
The Merit Platinum Card isn’t your average credit card. It’s a store card offered by Horizon Financial Services for its exclusive online catalog. It’s like a VIP pass for some serious shopping.
Merit charges no interest on purchases, has a credit limit of $750, comes with extensive membership benefits, and does not conduct a credit check. It’s the perfect store card when you need credit now!
Card Details
- Bad Credit, No Credit? No Problem!
- $750 Unsecured Credit Limit
- Fast and Easy Application
- No Credit Check
- No Employment Check
- Can only be used at theHorizonOutlet.com
Benefits
- My Universal RX
- Free Roadside Assistance
- My Legal Assistance
- My Privacy Protection
Rates & Fees
- APR: 0%
- Annual fee: $0
- Monthly membership fee: $24.75
Required
- Need an active U.S. credit, debit card, or checking or savings account
The customer care was good enough for a company with many customers for me to feel safe. The terrific network that speeds up and complete transactions in no time was a big help also. If you are new to credit cards or you are thinking of which to get, Horizon Cards is the way to go, I guarantee you wouldn’t regret your decision. Kate S.
2. Fit Platinum Mastercard: Instant Credit
Apply now and get an answer instantly with Fit Platinum Mastercard! Use Fit anywhere Mastercard is accepted, enjoy an initial $400 credit limit, and feel secure with Mastercard’s Zero Liability Protection.
Best yet, your credit limit can double to $800 when you make your first 6 monthly payments on time!
Card Details
- All Credit Scores Welcome
- Initial credit limit of up to $400
- Reports payments to all three major credit bureaus (TransUnion, Equifax, and Experian)
- Fast and easy application process; results in seconds
- Use your card anywhere Mastercard is accepted
Benefits
- $400 credit limit doubles up to $800 (Simply make your first 6 monthly payments on time)
- Credit limit up to $2,000
- Free access to your Vantage 3.0 score from Experian (when you sign-up for e-statements)
- Mastercard Zero Fraud Liability Protection
- Free online account access 24/7
Rates & Fees
- APR: 29.99%
- One-time processing fee: $89
- Annual fee: $99
- Monthly maintenance fee: $0 the first year, $6.25 after that
- Foreign transaction fees: 3%
Required
- Checking Account
I wouldn’t know what I would do with out my Fit card. It pays for everything I need. I’m having a unique experience using this card. It seems the card is always ready for any new purchases I wish to make, Thanks! Burckhard Bosse
3. Surge Platinum Mastercard: Double Your Credit Limit
The Surge Platinum Mastercard is your ticket to credit when you need it!
Surge offers an extremely high initial credit limit of $1,000 that DOUBLES to $2,000 after merely 6 months of responsible card usage. Add to that the buying power of Mastercard, top-tier fraud protection, cutting-edge data protection, and a credible reputation, Surge stands unrivaled in the realm of easy credit.
Card Details
- Credit Score 300-719 (Poor-Good)
- All Credit types welcome to apply
- Initial credit limit of $300-$1,000 (subject to available credit)
- Reports payments to all three major credit bureaus (TransUnion, Equifax, and Experian)
- Fast and easy application process; results in seconds
- Use your card anywhere Mastercard is accepted
- A+ Rating from the Better Business Bureau
- 128-bit encryption technology to protect your personal information
Benefits
- $1,000 credit limit doubles to $2,000 (Simply make your first 6 monthly payments on time)
- Mastercard Zero Fraud Liability Protection
- Buying power of Mastercard – Use Surge anywhere Mastercard is accepted
- Free monthly access to your Vantage 3.0 score from Experian (when you sign-up for e-statements)
Rates & Fees
- APR: 29.99%
- Annual fee: $75 to $99
- Monthly maintenance fee: $0 the first year, $10 per month after that.
- Late payment fee: Up to $41
- Foreign transaction fees: 3%
Required
- Checking Account
HAS MADE A BIG DIFFRENCE IN MY BUYING POWER WHEN I NEED IT IT” THERE FOR ME TO USE Perry Baxter
4. Reflex Platinum Mastercard: Up to $2,000 Credit Limit
Need instant credit? What about a $1,000 credit limit?
New
Sound appealing? The Reflex Platinum Mastercard is your match. Experience an initial credit limit of up to $1,000 that can DOUBLE to $2,000 in just 6 months!
Reflex offers instant approval, so you don’t need to wait days or weeks to hear back about your application.
Enjoy the buying power of Mastercard coupled with Mastercard’s Zero Liability Protection, state-of-the-art security, and an established reputation with Reflex Mastercard.
Check if you prequalify today without hurting your credit score!
Then sit back and enjoy a high-end credit limit for an unsecured credit card.
Card Details
- Credit Score 300-719 (Poor-Good)
- All Credit types welcome to apply
- Initial credit limit of $300-$1,000 (subject to available credit)
- Monthly reporting to all three major credit bureaus
- Fast and easy application process; results in seconds
- Use Reflex anywhere Mastercard is accepted
- Advanced security with 128-bit encryption technology
- A+ from the Better Business Bureau
Benefits
- Buying power of Mastercard
- $1,000 credit limit doubles to $2,000 (Simply make your first 6 monthly payments on time)
- Mastercard Zero Fraud Liability Protection
- Free access to your Vantage 3.0 score from Experian (when you sign-up for e-statements)
Rates & Fees
- APR: 29.99%
- Annual fee: $99
- Monthly maintenance fee: $10
- Foreign transaction fees: 3%
Required
- Checking Account
Reflex, is helping me rebuild my credit. They kept their word, and raised my credit limit from limit two times already in less then two years, by my keeping paying regular on my card. I would highly recommend Reflex and it’s parent company. James W
5. Destiny Mastercard: It’s Your Credit Destiny
The Destiny Mastercard? It’s like your financial fate whispering, “I’ve got a good feeling about this!” With no security deposit required, you can keep money in your wallet.
Enjoy a $700 credit limit, the incredible buying power of Mastercard, and feel secure with Mastercard’s Fraud Liability and ID Theft Protections.
Best of all, you’ll receive an answer in 60 seconds or less. No more waiting for credit!
See if you prequalify today without impacting your credit score!
Card Details
- Credit Needed: Poor – Fair
- All Credit histories considered, even with a prior bankruptcy
- Credit limit of $700
- Reports payments to all three major credit bureaus (TransUnion, Equifax, and Experian)
- Fast and easy application process; results in 60 seconds or less
- Use your card anywhere Mastercard is accepted – in-app, in-store, online
Benefits
- $0 Fraud Liability for unauthorized use
- Mastercard ID Theft Protection
- Purchase strength of Mastercard
- Manage your card and pay your bills online
Rates & Fees
- APR: 24.90%
- Annual fee: $75 the first year, $99 every year after that
- Late payment fee: Up to $41
- Foreign transaction fees: 1%
Destiny has a good card which is great for beginners. Easy application, fast approval and the option of using it instantly online are just 3 of the main reasons why I highly recommend it. If you’re just starting out or have to rebuild your credit, this is a very good option to consider. Juan
The Bottom Line
No matter your credit score, these 5 credit cards are designed to help you! With their fast and easy application process you can get the credit you need instantly.
Say goodbye to delayed credit approvals and hello to instant credit.
