ScoreNavigator®

OpenSky® Secured Visa® Credit Card

Apply Now

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 APR	Annual Fee	Credit Line	Credit Recommended	Late Payment Fee
24.89% (variable)	$35	$200-$3000 at time of application	No credit, Poor, Fair	Up to $41

Merrick Bank Secured Credit Card

Apply Now

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 APR	Annual Fee	Credit Line	Cash Advance APR	Cash Advance Fee
22.95% Variable	$36 for first year. Billed $3 per month thereafter	$200-$3,000, depending on deposit amount	27.95%	4% Min: $10

Applied Bank® Unsecured Classic Visa® Card

Apply Now

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 APR	Late Payment Fee	Return Payment Fee	Card Brand	Credit Recommended
29.99%	Up to $38	Up to $38	Visa®	Poor/Damaged Credit

Reflex® Platinum Mastercard®

Apply Now

Rates & Fees

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 APR	Credit Limit	Annual Fee	Late Payment Fee	Return Payment Fee
35.90% Fixed	up to $1,000	$75 - $125	Up to $41.00	Up to $41.00

Surge® Platinum Mastercard®

Apply Now

Rates & Fees

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 APR	Late Payment Fee	Return Payment Fee	Intro Rate	Intro Period
35.90% Fixed	Up to $41.00	Up to $41.00	See website for Details*	See website for Details*

FIT™ Platinum Mastercard®

Apply Now

$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 APR	Annual Fee	Return Payment Fee	Late Payment Fee	Credit Recommended
35.90% Fixed	See terms	Up to $41.00	Up to $41.00	Fair/Poor/Bad

Total Visa® Card

Apply Now

Earn 1% cash back rewards on payments made to your Total Credit Card
Checking Account Required
$300 credit limit (subject to available credit)
No security deposit, simply pay a one-time $95 program fee to open your account.*
User friendly Mobile App.
*See Rates, Fees, Costs & Limitations for complete offer details
See Total Card Visa Rewards Programs Terms & Conditions for details

Rewards Rate	Regular APR	Credit Limit	Cash Advance APR	Program Fee
1% Cash Back	35.99%*	$300	35.99%*	$95.00*

Credit Line	Monthly Fee	Regular APR	Credit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)	See website for Details*	0% APR	Damage credit to Fair credit

Net First Platinum

Apply Now

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 Line	Regular APR	Monthly Fee	Credit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)	0% APR	See website for Details*	Damaged credit to Fair credit

*See Card for Details

Credit Cards

Secured Credit Cards

OpenSky® Secured Visa® Credit Card

Merrick Bank Secured Credit Card

Unsecured Credit Cards

Applied Bank® Unsecured Classic Visa® Card

Reflex® Platinum Mastercard®

Surge® Platinum Mastercard®

FIT™ Platinum Mastercard®

Total Visa® Card

Other Credit Cards

Freedom Gold Card

Net First Platinum

Get Started!

Company

Useful Links

Members Of