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  First PREMIER Bank |
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| Intro APR PURCH. | Intro Period PURCH. | APR % | Setup Fee | Annual Fee |
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| n/a | n/a | 9.9%9 | $29 | $48 |
Bad Credit Cards with Low APR
Past financial problems or some mistakes can damage your credit history. But if you have bad score, it doesn't mean you have no chance to get a credit card. At present some banks are ready to help you to rebuild your credit history and offer you a variety of deals for bad score. Just study the offers and choose a plastic that will be your first step to reestablishing your credit.
The following credit cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
| Bank name Credit card name |
Intro APR PURCH. | Intro Period PURCH. | APR % | Setup Fee | Annual Fee | Apply Details |
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 First PREMIER Bank Gold MasterCard®/Visa |
n/a | n/a | 9.9%11 | $29 | $48 |
 see details
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 Orchard Bank Orchard Bank Low APR MasterCards |
n/a | n/a | 8.9% | $08 | $48 - $96 |
see details
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 First PREMIER Bank Centennial MasterCard®/Visa |
n/a | n/a | 9.9%10 | $29 | $48 |
see details
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 First PREMIER Bank MasterCard®/Visa |
n/a | n/a | 9.9%12 | $29 | $48 |
see details
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable | ||
Practical Guidelines
Applying Online for Low APR Cards with Bad Credit
It is not an easy matter to improve one's score. Though there are enough credit offers for people with low FICO score, most of these deals come with higher fees and interest rates than on a regular plastic. So, it may take you a lot of time and effort to improve your bad score. But don't be upset, even with bad payment history, you have a chance to find a bad credit offer with low APR.
We are ready to help you to make the right choice.
At our site you can find the most profitable offers for poor or limited credit.
Just browse this category, and having chosen a plastic, apply for it online. Most of the credit cards are referred to instant approval deals, so you will get an answer just in several minutes.
Secured and Unsecured Credit Cards: What is the Difference?
There are two types of credit cards for bad score - secured and unsecured. Both types of plastics are aimed to help people to recover financial problems. But before applying for a deal, study the difference between these types in order to make the right choice:
• If you choose a secured plastic money deal you will have to make a deposit on the saving account that will make up your limit. You will be able to use the plastic, only in case there is money on your account. If you miss your payments, the bank is eligible to use your deposit in order to compensate the balance. Secured cards help you to take your spendings under control and avoid deep debts in case you fail to pay the credit off.
• Unsecured plastic money deals don't demand any deposit and saving account. The main advantage of these offers is that your bank will report your payments to credit bureaus every month, and thus, if you prove to be a responsible debtor, you will certainly improve your score.
Secured Offers
So, if you choose a secured credit deal, at our site you can apply online for Orchard Bank MasterCard secured. This plastic, issued by HSBC bank, is specially designed for people with poor or limited credit. The main benefits of it are competitive APR and a reasonable annual fee. Besides, your credit achievements will be reported to four credit bureaus every month that.
Orchard Bank MasterCard is a good offer for those who are looking for low rate offers for bad score that, along with lower APR, will offer them some additional services, such as online account access, emergency card replacement, and fraud protection services.
Unsecured Credit Cards for Bad Credit
If you prefer unsecured credit deals, we are glad to present a variety of unsecured offers at ApplyForBestCredit.com. Here you can study all terms and conditions of such deals and apply for a card online.
First PREMIER bank, one of the most popular US banks, offers a range of credit deals for people with bad/no credit history. Among the credit deals by First PREMIER presented at our site, you can find Gold MasterCard/Visa, MasterCard/Visa, Centennial MasterCard/Visa, and Gold Centennial MasterCard/Visa. All these plastics come with low APR on purchases and a reasonable annual fee.
First PREMIER Gold MasterCard/Visa is a perfect choice for those who are looking for a low rate credit card for less than perfect credit.
Along with low APR at rate of 9.9%, the plastic will give you the gold card prestige. Isn't it a great offer for those with poor or limited credit?!
Another advantage of First PREMIER deals is regular reports to several credit bureaus.
With First PREMIER bank, you can be sure that all your achievements will be reported to different bureaus on a monthly basis. Thus, making your payments on time and using your plastic wisely, you are sure to improve the FICO score as soon as possible.
So, you see, one can find a profitable offer even when he/she has poor or limited credit history.
But be careful while choosing a low APR credit card in order to improve your score. Read thoroughly the fine print in applications! Paying attention to every detail, you will avoid many future mistakes and make the right choice.
Remember, low FICO score doesn't mean that all hope is gone and you have no chance to improve your score. Be patient and try to avoid the previous mistakes, and you will certainly recover your debts.
