Financial Products

Credit Cards for Bad Credit or No Credit

First Access Card

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APR Annual Fee Credit
29.99% $89 One Time Processing Fee Bad Credit

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and ..

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Get a result in as little as 60 seconds upon completion of the online application

OpenSky® Secured Visa® Credit Card

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APR Annual Fee Credit
17.50% Variable $29 Bad Credit

Build Your Credit, with monthly updates to all 3 credit bureaus Control Your Finances, start with a security deposit and credit line as low as $20..

  • Build your credit with monthly updates on all three credit bureaus
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit
  • Security deposit needs to be submitted before the credit card can be issued
  • Extra credit when you need it, increase your credit line up to $5000* in your first year

First Progress Platinum Elite Secure Mastercard

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APR Annual Fee Credit
19.99% $29 Fair Credit – Bad Credit

Merchandise APR = 19.99% Annual Fee = $29 Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History No Credit History or Minim..

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application

First Progress Platinum Prestige Secure Mastercard

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APR Annual Fee Credit
9.99% $49 Fair Credit – Bad Credit

Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History No Credit History or Minimum Credit Score Required for Approval Quick ..

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application

First Progress Platinum Select Secure Mastercard

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APR Annual Fee Credit
13.99% $39 Fair Credit – Bad Credit

Merchandise APR = 14.99% Annual Fee = $39 Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History No Credit History or Mini..

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application

Secured Visa From Merrick Bank

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APR Annual Fee Credit
18.45% Variable $36 the first year, billed $3 per month thereafter Fair Credit

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  • Unsecured credit line increases – after the first year your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily submit your security deposits.

Credit Reporting/Credit Monitoring

IdentityIQ

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Get your 3 Credit Reports and Scores!

  • Experian, Equifax and TransUnion Reports & Scores
  • Daily Credit Monitoring & Alerts
  • Credit Report Can Be Refreshed Every 35 Days
  • $25,000 Identity Theft Insurance*

NAV Personal & Business Credit Reporting & Monitoring

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Take advantage of our special deal with NAV! Checking your credit will NOT hurt your score. Personal VantageScore 3.0 personal score* and busin..

  • Experian, Equifax and TransUnion Reports & Scores
  • Personal VantageScore 3.0 and business credit scores from 4 bureaus
  • Identity recovery services
  • $1,000,000 Identity Theft Insurance