PayPal Prepaid Mastercard
If you’re worried that your creditworthiness will lead to credit card denials, you can use this prepaid card to buy things wherever Mastercard debit cards are accepted.
pros and cons
No credit check needed for approval. If you have no credit or are rebuilding your credit, you can get this card to use anywhere Mastercard debit cards are accepted.
You can earn rewards by referring friends.
This card makes you eligible for a tiered savings account, so you can work on stashing away money for an emergency fund.
Variable Monthly Fee fee
ATM withdrawal fees of up to $1.95, and OTC withdrawal fees of up to $4.00
Like other debit cards, prepaid cards don’t help you build credit history. Read more about how to build credit with credit cards.
Because it’s a debit card, you’ll likely incur fees or have a hold placed when using it for car rentals or at some hotels.
Cost
Annual Fee
$0
Purchase APR
None
Foreign Transaction Fee
N/A
Cash Back
None
Credit Score
600
Sams Credit Card
The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.
Big Lots Credit Card
The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.
Surge Mastercard Credit Card
The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.
Menards BIG Credit Card
Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.
Stein Mart Credit Card
The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.
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