Bad Credit (Inova) | CreditCards.com

Chime Card™

Our rating:4.2

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

1.5%: Earn 1.5% cash back² on rotating categories with Chime+ status.³

Annual fee: None

Balance transfer intro APR: N/A

Regular APR: N/A

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 5.0
APR: 1.0
Features: 2.5

Highlights

A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
Credit building, stress-free.¹
Earn 1.5% cash back² on rotating categories with Chime+ status.³
SpotMe® on Credit.⁴
No interest⁵, no credit check.
Over 47,000 fee-free ATMs.⁶
Fee-free in-network cash deposits.⁷
¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
²With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
³To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.. and may be used everywhere Visa credit cards are accepted.

Rates & Fees

Annual Fee: None
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Destiny® Mastercard® with Instant Credit

Our rating:2.1

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Recommended credit

(See Terms) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: See Terms

Balance transfer intro APR: See Terms

Regular APR: See Terms

Recommended credit: (See Terms) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.1

Rating methodology

Cost of Membership:: 1.0
Ease of Building Credit:: 4.0
APR:: 1.0
Features:: 1.3

Highlights

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply Today, Buy Today! If approved, get your Card Number instantly so you can start shopping today! See Terms.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
No security deposit, just instant purchasing power. See Terms.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.

Rates & Fees

Annual Fee: See Terms
Intro Purchase APR: See Terms
Regular APR: See Terms
Intro Balance Transfers APR: See Terms

Milestone® Mastercard® - $1,000 Credit Limit

Our rating:1.7

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Recommended credit

580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: See Terms

Balance transfer intro APR: See Terms

Regular APR: See Terms

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:1.7

Rating methodology

Cost of Membership: 1.0
Ease of Building Credit: 2.9
APR: 2.4
Features: 1.0

Highlights

Guaranteed $1,000 credit limit if approved.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Don't Have Perfect Credit? No Problem!
Join over a million consumers who are working on building their access to credit.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.
No security deposit, and a path to better credit.

Rates & Fees

Annual Fee: See Terms
Intro Purchase APR: N/A
Regular APR: See Terms
Intro Balance Transfers APR: See Terms

opensky® Secured Visa® Credit Card

Our rating:3.0

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Rewards rate

Up to 10%: Earn up to 10% cash back on everyday purchases

Annual fee: $35

Balance transfer intro APR: N/A

Regular APR: 23.89% (variable)

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.0

Rating methodology

Cost of Membership: 2.5
Ease of Building Credit: 2.9
APR: 4.5
Features: 0.0

Highlights

Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!

Rates & Fees

Annual Fee: $35
Intro Purchase APR: N/A
Regular APR: 23.89% (variable)
Intro Balance Transfers APR: N/A

Chime Card™

Rewards rate

At A Glance

Destiny® Mastercard® with Instant Credit

Rewards rate

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Milestone® Mastercard® - $1,000 Credit Limit

Rewards rate

At A Glance

opensky® Secured Visa® Credit Card

Rewards rate

At A Glance