Credit Cards to Build Credit
Start Building your Credit Today!
Open a secured credit card to start building your credit scores. The sooner you apply, the sooner you will see an improvement in your credit scores.
Always Remember:
*Use only 20% - 30% balance of the credit limit.
*Pay on time, always!
Please contact our office if you have any questions on how to use your credit line at 832-595-2526
OpenSky Secured Visa Credit Card
CREDIT NEEDED
Bad Credit
No Credit
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!
- 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
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
- Annual Fee: $35
- APR 25.64% (V)
Intro APR
N/A
Intro Period
N/A
Regular APR
25.64% variable
Annual Fee
$35
Balance Transfer
N/A
Credit Needed
The First Progress Platinum Elite MasterCard® Secured Credit Card
CREDIT NEEDED
Fair Credit
Bad Credit
- Test No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 25.24%
- Annual Fee = $29
- *See all terms and conditions.
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
First Progress Platinum Select MasterCard® Secured Credit Card
CREDIT NEEDED
Fair Credit
Bad Credit
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Available Nationwide
- APR for purchases = 19.24%
- Annual Fee = $39
- *See all terms and conditions
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
Credit Strong - Instal & Revolv
CREDIT NEEDED
Fair Credit
Bad Credit
No Credit
Multiple Ways to Build Credit.
A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.
- Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
- Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
- Build supersized installment credit with supersized plans with CS MAX
First Progress Platinum Prestige MasterCard Secured Credit Card
CREDIT NEEDED
Fair Credit
Bad Credit
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No Credit Inquiry Required!
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Receive Your Card More Quickly with New Expedited Processing Option
- Availalbe Nationwide
- APR for purchases: 15.24%
- Annual Fee = $49
- *See all terms and conditions
Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank
Auto Financing and Refinancing
CREDIT NEEDED
Fair Credit
Good Credit
Excellent Credit
Bad Credit
Auto Financing and Refinancing – Average Customer saves up to $2000 or more…
- 1 Application with up to 4 loan offers in minutes
- Apply online, 24/7 in the convenience of your home or office
- Lowest interest rates available – average customer saves $2000 in interest charges
- Get approved and have financing in place before going to a dealer
- Refinance and lower your current interest rate and payments or even skip a payment
- Also offering Private Party and Lease Buyout loans
- Fast & free - No fees or obligations
- Private, secure and confidential
Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…
New!Caribou Auto Refinancing (Name Change From MotoRefi)
CREDIT NEEDED
Fair Credit
Refinance your car loan and Save Big! Put money back in your pocket!
- Rates as low as 5.69% APR
- Pre-qualify in seconds - Pre-qualify on our secure, fully online platform—without leaving the couch or giving your SSN
- Put cash back into your wallet. Our customers save an average of $113.78/month on their car payments*
- No impact to your credit to review pre-qualified offers
- Minimum Loan amount: $7500
- Loan term: 12-84 months
How Caribou works:
- Check your rate - Get pre-qualified offers in seconds with no Social Security number required and no impact on your credit.
- Select your offer - Pick the refinance that works best for you, with offers from our top lenders.
- Refi and save big - Simply submit a few documents and sit back as our team does the heavy lifting to refinance your loan.
Typical Requirements:
- Desired credit score: 650+
- Minimum annual income $24K
- No SSN required*
- Other requirements may apply
*Not available for motorcycles or commercial vehicles
*See all terms and conditions on the application page.
*1This information is estimated based on consumers who were approved for an auto refinance loan through Caribou between 6/1/2022 and 3/1/2023, had an existing auto loan on their credit report, and accepted their final terms. These borrowers saved an average of $113.78 per month. Refinance savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.
*To check the refinance rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
*Social security number is required should you choose to move forward in the loan application process. *Terms and Conditions apply. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice.
The information you provide to us is an inquiry to determine whether our lenders can make you a loan offer. If any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.
Offers not available in MA, MD, MS, NE, NV, WI, WV
APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.69% to 28.55% and is determined at the time of application. Lowest APR is available up to a 36 month term, to borrowers with excellent credit, and only in Texas. Conditions apply. Advertised rates and fees are valid as of 5/15/2023 and are subject to change without notice. Insurance savings will not result from lower APR.
First Access Card (Unsecured Card)
CREDIT NEEDED
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 online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application; Checking account required
- $300 Credit Line (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri, Member: FDIC
- This program is not currently available in New York or Wisconsin.
Assent Platinum MasterCard Secured Credit Card
CREDIT NEEDED
Bad Credit
No Credit
- APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Quick and Complete Online Application; No Credit Inquiry Required!
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- 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
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Annual fee of $49
NAV Prime
CREDIT NEEDED
N/A
Nav Prime is the only membership that helps small business owners like you accelerate your path to better funding options.
Gain a tradeline from Nav Prime membership payments, which can increase business credit scores up to 50% in the first 3 months¹. Better yet, you can boost your scores even more with the Nav Prime Card², which counts as a second Nav tradeline
The Nav Prime advantage -
Skip the search. There's no other solution like Nav Prime in the market. We've brought together all the things you need so you can give time and money back to your business — eliminate dozens of accounts and hidden costs.
Nav Prime - $49.99 per month
- Detailed Credit Reports - Detailed business and personal credit reports and scores — all in one place*
- Tradeline Reporting - Nav Prime membership payments and Nav Prime Card repayments automatically sent as 2 tradelines to all major credit bureaus
- Business Checking Account - No minimum balances, no opening deposits, no monthly account fees, no domestic transaction fees
- NAV Prime Card - no credit checks, no security deposit, reports as a tradeline,
¹Based on aggregate data tracking Experian® Intelliscore Plus business credit scores after three months of having Nav tradeline reporting. Results will vary. Scores are calculated from many variables; some users may not see improved scores.
²There are no requirements to get Nav Prime membership. To get the Nav Prime Card, you're required to be an active Nav Prime member, have an approved Nav Business Checking application, and a successfully linked bank account to use as repayment for your Nav Prime Card balance. The Nav Prime Card is currently not available in ND, SD, NV, and CA.
Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Blue Ridge Bank, N.A., and Thread Bank, Members FDIC. The Nav Visa® Business Debit Card is issued by Blue Ridge Bank, N.A., and the Nav Prime Charge Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. Your funds are FDIC-insured up to $250,000 through Blue Ridge Bank, N.A., Member FDIC.