Below is a list of online store credit cards with guaranteed approval or are very easy to get. This will be helpful to those of you with really bad credit and have been declined for regular credit cards.
List of Online Store Credit Cards That Guarantee Approval
Net First Platinum is an online store merchandise card that guarantees approval because they do not check your credit score and report. All you need is either a debit or prepaid credit card. With a starting limit of $750, this will improve a rebuilders' overall credit limit considerably and help your credit utilization ratio. It reports to Equifax so it helps rebuilders as well. Furthermore, the APR is 0% for any purchase you make.
Annual Fee - $0
Monthly Membership Fee - $14.77
Regular APR - 0%
Read our review of Net First Platinum.
Freedom Gold Card is another online store merchandise card that guarantees approval as long as you have a debit or prepaid credit card. You can use the card to shop at www.thehorizonoutlet.com and you will be given $750 starting credit limit which can be increased with time. As this card reports to Equifax, you can also start your rebuilding process.
Annual Fee - $0
Monthly Membership Fee - $14.77
Regular APR - 0%
Read our review of the review of the Freedom Gold Card.
The Principal Platinum is the latest line up of online store cards from Horizon Card Services. Like their other cards, approval is guaranteed if you have a debit or prepaid credit card. Because there is no credit checks you will not experience a hard inquiry in your credit report. In addition to a $750 starting credit limit, you also get benefits like Roadside Assistance and RX plans. This card also reports to Equifax.
Annual Fee - $0
Monthly Membership Fee - $14.77
Regular APR - 0%
Read our review of the Principal Platinum
Merit Platinum is another online merchandise store card that is guaranteed approval as long as you have a debit or prepaid credit card because they do not check your credit. The starting credit limit is $750 and they also have a track record of credit limit increases. Merit Platinum reports to Equifax so having card will help rebuilders.
Annual Fee - $0
Monthly Membership Fee - $14.77
Regular APR - 0%
Read our review of Merit Platinum
Unique Platinum is issued by Unique Card Services and you can use the card at their online store www.myuniqueoutlet.com. The starting limit is very good at $1,000 and there are no credit checks. Hence you will definitely be approved when you apply as long as you have a debit or prepaid credit card. They also report to TransUnion which will help rebuilders.
Annual Fee - $0
Monthly Membership Fee - $19.95
Regular APR - 0%
Read our review of the Unique Platinum