Surge Mastercard®
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types are welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
9 minutes | 24.99% – 29.99% (Variable) | Yes | 8.5/10 |
The Surge Mastercard® offers one of the largest possible initial credit limits on this list. You may receive an initial credit line of between $300 and $1,000, depending on your credit history.
Just keep in mind that this card will charge its first year’s annual fee as soon as you activate your account, which will be deducted from your available credit before you ever swipe the card.
Surge Secured Mastercard®
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types are welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
9 minutes | 24.99% – 29.99% (Variable) | Yes | 8.5/10 |
The Surge Mastercard® offers one of the largest possible initial credit limits on this list. You may receive an initial credit line of between $300 and $1,000, depending on your credit history.
Just keep in mind that this card will charge its first year’s annual fee as soon as you activate your account, which will be deducted from your available credit before you ever swipe the card.
Reflex Mastercard®
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact on your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
8 minutes | 24.99% – 29.99% (Variable) | Yes | 8.0/10 |
The Reflex Mastercard® offers an initial credit limit of up to $1,000, depending on your creditworthiness. Consecutive on-time payments will help bump that credit limit to $2,000 in as soon as six months.
This card can help you build credit with responsible use, but you do need a checking account to qualify.
FIT Mastercard
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify,
and more! And 1% cashback on everything else. - No credit check or U.S. credit history is required. No SSN is required for non-US citizens.
- Build U.S. credit history from day 1 at major credit bureaus (get $25 when you build your credit score
to a 700+ credit score within 12 months of use). - Get unsecured in as little as 4 months!
- No annual fee, no foreign transaction fees, and no minimum security deposit.
- Premium benefits like Cell Phone Protection (including cracked screens) and Car Rental Insurance
coverage.
10 minutes | 10.24% (Variable) | Yes | 7.0/10 |
The FIT Mastercard is from a newer card issuer that offers a solid secured offering for its first foray into the crowded credit market. You’ll earn cash back rewards at select merchants and even cellphone and car rental insurance, all uncommon features of secured cards.
It also sports a lower interest rate than that of some other cards on this list, including the secured offerings from major banks.
Current Personal Loan Rates
Best Bad Credit Loans
Best For Quick Approval Turnaround Times
Upstart
Minimum credit score
600
APR range
3.09% to 35.99%
Loan amounts
$1,000 to $50,000
Key facts
Upstart is a good option for those who have short credit histories and promising financial futures.
Pros- Accepts borrowers new to credit.
- Able to fund loans within one business day.
- Offers direct payment to creditors with some debt consolidation loans.
- Allows borrowers to choose and change payment dates.
Best For A Range Of Repayment Options
Avant
Minimum credit score
580
APR range
9.95% to 35.99%
Loan amounts
$2,000 to $35,000
Key facts
Upstart is a good option for those who have short credit histories and promising financial futures.
Pros- Accepts borrowers new to credit.
- Able to fund loans within one business day.
- Offers direct payment to creditors with some debt consolidation loans.
- Allows borrowers to choose and change payment dates.
Best Overall Bad Credit Loan
Upgrade
Minimum credit score
560
-
APR range
5.94% to 35.97%
Loan amounts
$1,000 to $35,000
Key facts
Upstart is a good option for those who have short credit histories and promising financial futures.
Pros- Accepts borrowers new to credit.
- Able to fund loans within one business day.
- Offers direct payment to creditors with some debt consolidation loans.
- Allows borrowers to choose and change payment dates.