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Destiny Mastercard® - $700 Credit Limit

Our rating:2.1

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Recommended credit

300-670 (Bad to Fair) 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

Intro offer: No current offer

Annual fee: See terms*

Regular APR: See terms*

Recommended credit: 300-670 (Bad to Fair) 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

Greater access to credit than before - $700 credit limit
Unsecured credit card, no security deposit required
Worry-free Fraud Protection* if your card is lost or stolen
Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Quick and easy application process with a typical decision in 60 seconds or less
24/7 access to your account, even on mobile!
Reports to all three major credit bureaus

Rates & Fees

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

PREMIER Bankcard® Mastercard® Credit Card

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Recommended credit

300-670 (Bad to Fair) 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.

Apply now

Rewards rate

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

Intro offer: No current offer

Annual fee: See Provider Website

Regular APR: See Provider Website

Recommended credit: 300-670 (Bad to Fair) 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.

Highlights

PREMIER Bankcard credit cards are for building credit.
Start building credit by keeping your balance low and paying all your bills on time each month.
When you need assistance our award-winning US-based Customer Service agents are there to help.
Credit Limit Increase Eligible after 12 months of consistent responsible account management.
We report monthly to the Consumer Reporting Agencies to help you build your credit.

Rates & Fees

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

Chime Credit Builder Secured Visa® Credit 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

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

Intro offer: No current offer

Annual fee: None

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

To apply for a Chime Credit Builder Secured Visa® Credit Card, you must first open a Chime Checking Account and receive a qualifying direct deposit of $200 or more.
The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required**). Turn on Safer Credit Building** and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.
**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Rates & Fees

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

Fortiva® Mastercard® Credit Card

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Rewards rate

3%: Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
1%: Earn a 1% Cash Back Reward on all other eligible purchases‡

Intro offer: No current offer

Annual fee: As low as $85

Regular APR: 29.99% - 36.00% variable

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.

Highlights

Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
Earn a 1% Cash Back Reward on all other eligible purchases‡
Up to $1,000 credit limit subject to credit approval*
Pre-qualify without affecting your credit score
No security deposit
Good anywhere Mastercard® is accepted
Free access to your credit score †
$0 fraud liability**

Rates & Fees

Annual Fee: As low as $85
Intro Purchase APR: N/A
Regular APR: 29.99% or 36% (Variable)
Intro Balance Transfers APR: N/A

Destiny Mastercard® - $700 Credit Limit

Rewards rate

At A Glance

PREMIER Bankcard® Mastercard® Credit Card

Rewards rate

At A Glance

Chime Credit Builder Secured Visa® Credit Card

Rewards rate

At A Glance

Fortiva® Mastercard® Credit Card

Rewards rate

At A Glance