Credit Cards

Secured Credit Cards

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OpenSky® Secured Visa® Credit Card

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
Regular APRAnnual FeeCredit LineCredit RecommendedLate Payment Fee
25.14% (variable)$35$200-$3000 at time of applicationNo credit, Poor, FairUp to $41
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CommissionSoup Offers API

Merrick Bank Secured Credit Card

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history 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 available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Regular APRAnnual FeeCredit LineCash Advance APRCash Advance Fee
22.95% Variable$36 for first year. Billed $3 per month thereafter$200-$3,000, depending on deposit amount27.95%4% Min: $10
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CommissionSoup Offers API
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CommissionSoup Offers API
CommissionSoup Offers API
CommissionSoup Offers API

Unsecured Credit Cards

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Applied Bank® Unsecured Classic Visa® Card

  • Get Pre-Qualified in Less Than a Minute
  • A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
  • A REAL Visa® Credit Card with Automatic Reporting to all Three National Credit Bureaus
  • No Penalty Rate. Your Rate Won't Go Up Even If You are Late
  • Access Additional Credit With On-Time Payments and Responsible Usage
  • A True Unsecured EMV enabled (chip) Visa Credit card
  • Does not require perfect credit for approval
  • Fixed APR and Manageable Monthly Payments
Regular APRLate Payment FeeReturn Payment FeeCard BrandCredit Recommended
29.99%Up to $38Up to $38Visa®Poor/Damaged Credit
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Reflex® Platinum Mastercard®

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Regular APRCredit LimitAnnual FeeLate Payment FeeReturn Payment Fee
35.90% Fixedup to $1,000$75 - $125Up to $41.00Up to $41.00
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Surge® Platinum Mastercard®

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Regular APRLate Payment FeeReturn Payment FeeIntro RateIntro Period
35.90% FixedUp to $41.00Up to $41.00See website for Details*See website for Details*
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FIT™ Platinum Mastercard®

  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Regular APRAnnual FeeReturn Payment FeeLate Payment FeeCredit Recommended
35.90% FixedSee termsUp to $41.00Up to $41.00Fair/Poor/Bad
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CommissionSoup Offers API

Total Visa® Card

Rewards RateRegular APRCredit LimitCash Advance APRProgram Fee
1% Cash Back35.99%*$30035.99%*$95.00*

Other Credit Cards

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Freedom Gold Card

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

Credit LineMonthly FeeRegular APRCredit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)See website for Details*0% APRDamage credit to Fair credit

*See site for details

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Net First Platinum

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

Credit LineRegular APRMonthly FeeCredit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)0% APRSee website for Details*Damaged credit to Fair credit

*See Card for Details

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