Bad Credit Loans and Credit Cards at #led #lights #for #cars


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BadCredit.com: Your One-Stop Source for Financial Assistance

These days, a consumer’s credit rating counts for a lot, and it seems like every time you turn around, someone else is checking your credit. Banks, credit card companies and various types of lenders of course make it a habit to check into an individual’s credit history when that person is applying for a loan or credit card, but insurance companies, landlords and even employers routinely look into individuals’ financial backgrounds as well. And what are they generally hoping to find in their investigations? That you have good credit, which can magically open the door for you to whatever they are offering.

But what if you, like so many nowadays, have decidedly less-than-perfect credit, or maybe even no credit at all? Well, normally that can pose a significant obstacle to your being able to acquire such things as a home loan, credit card, new apartment, better job, or anything else for which exemplary credit can be a prerequisite. Thankfully, however, there is a simple solution to your problem: taking advantage of what BadCredit.com has to offer, and going through us to get the help you need.

Not only can we connect you with lenders and credit card companies that will be able to provide you with fast financial help, but we can also direct you to companies that provide a variety of services and items designed to assist you in fixing your financial situation and shoring up your credit standing so you can ultimately avail yourself of more opportunities in all kinds of arenas.

Representative APR Range

BadCredit.com is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. BadCredit.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. For help with any BadCredit.com related services consumers may Contact Us.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.

Representative Example

Representative Example

Close

BORROW $200 FOR 14 DAYS WITH A $30 TO $60 LENDER FEE. YOUR ESTIMATED APR IS 391% TO 782%*

Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100

Low End of Range: ($30 / $200) * (365 days / 14 days) x 100=391.07%

High End of Range: ($60 / $200) * (365 days / 14 days) x 100=782.14%

Loans to Fit Your Needs

If you need a loan, look no further than BadCredit.com. We are partnered with a vast network of reputable lenders offering various kinds of loans to consumers with poor or nonexistent credit. Need some quick cash to take care of an emergency medical expense? A payday loan may be just what the doctor ordered. Or perhaps you require some help with a considerably larger expense: the purchase of a new house. In that case, a home loan would fit the bill. Depending on your circumstances, you could also be looking for any one of a number of other loan types. Whatever you’re seeking, we can get you to the right lender.

The loan process through BadCredit.com is fast and hassle-free. To get started, all you have to do is go to the Loans section of our website and take a few minutes to fill out our simple loan request form, providing just some basic personal information. There is no need for you to submit extensive paperwork. Also, you don’t need to meet a laundry list of exceedingly strict eligibility requirements to be able to submit a loan request for help. Our requirements are simple and designed to make loans accessible to the largest number of people possible.

Once you’ve submitted your loan request and we’ve preapproved you, we’ll redirect you to lenders in your area, who will have competitive offers waiting for you. You can browse these offers at your leisure, and if one strikes your fancy, then you can proceed accordingly. And depending on the type of loan it is, you could have funds in your hands within just hours.

Credit Cards Running the Gamut

If a credit card is more what you’re looking for, then we can help you there as well. We are partnered with a number of credit card issuers offering cards designed specifically for consumers with less-than-stellar credit. Here on our site, you will find competitive offers for prepaid, secured and unsecured credit cards. The different cards vary in terms of their annual percentage rate, fees, and whether or not they require you to secure them with a cash deposit.

To submit a request for a credit card through BadCredit.com, you simply have to visit the Credit Cards section of our site and follow the simple steps outlined there. Be sure to take some time to carefully compare the different offers that are available. If you do so, you are bound to find one that will work for you. And remember, you can use a credit card not only to make purchases, but also to build up your credit.

Additional Services

Besides helping consumers get loans and credit cards, we also connect people with companies offering various services and items aimed at helping them fix their financial situation and improve their credit rating so they can have a greater range of options in the future. Among these offerings are debt consolidation, debt settlement, credit repair and free credit reports. If you are dealing with dire debt or other issues that are seriously impacting your credit rating, you can visit the appropriate sections of our site and investigate the aforementioned options, all of which have the potential to help consumers tremendously.


Compare Credit Cards Side By Side #comprehensive #car #insurance


#car comparisons side by side
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Side-by-Side Card Comparison

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presentd without warranty. To confirm terms and conditions, click the “Apply Here” button and review info on the secure credit card terms page.

Advertiser Disclosure: CompareCards.com is an independent, advertising-supported credit comparison service. Offers which appear on CompareCards.com are from companies with which CompareCards.com receives compensation. This compensation may impact the location and order in which these products appear. CompareCards.com takes into consideration several proprietary rules and the likelihood of an applicants’ credit approval to determine how and where products appear on the site. CompareCards.com does not include the entire universe of available credit or financial offers.


Rental Car Insurance: Which Credit Cards Have You Covered #car #shipping


#car rental insurance
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More from the nerds

NerdWallet

Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market.

Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

For a list of all of our advertising partners, click here

‘> Advertiser Disclosure

Rental Car Insurance: Which Credit Cards Have You Covered

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

The question arises every time you rent a car: Do I really need rental car insurance ?

Many rental agencies offer damage waivers for about $15 to $25 a day, selling peace of mind along with expanded coverage. But these waivers are often no better than the coverage you already have with your favorite credit card.

Depending on where you rent, the rental company’s liability for injury or property damage may be anywhere from $25,000 to $50,000. This could still leave a big bill for you to pay, but your credit card may also step in sort of. All four major card networks offer rental insurance, but vary substantially in benefits and requirements.

In some cases, car-rental customers may want to purchase full coverage from the car-rental company to avoid the hassle of making a claim or reporting an accident to their primary insurer and  the credit card issuer. Make sure you re comfortable with that process before relying on your credit card s secondary coverage.

You can also get primary coverage for your car rentals with these two credit cards:


Balance Transfer Credit Cards – Compare 0% Balance Transfers #balance #transfer #credit #cards, #credit #card, #best, #0% #balance #transfers, #low #apr, #low #interest, #online, #credit #card #applications, #uk #creditcards.com


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ADVERTISER DISCLOSURE

UK CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which UK CreditCards.com receives compensation, but this compensation does not affect the order in which we rank our tables. UK CreditCards.com does not include the entire universe of available financial or credit offers. The UK CreditCards.com comparison website is a credit broker, not a lender, and is authorised regulated by the Financial Conduct Authority (Firm Reference Number 493117).

Balance Transfer Credit Cards

The following balance transfer credit card offers from our partners are designed to help people consolidate their credit card debt onto one card, thus saving money on interest charges. Some of the credit card offers below even feature a low introductory 0% APR interest rate on credit card balance transfers.

UK CreditCards.com offer credit card comparison tables which are free for people to use, but we do receive commissions from the issuers we refer custom to. This table comprises credit cards designed for people with bad credit scores ranked by Representative APR. Other tables (found via the left hand navigation) feature products with other features and benefits. Please note – table position does not imply suitability, strength or superiority.

While reasonable efforts are made to keep information updated, credit card terms cannot be guaranteed for accuracy. Please ensure that you fully read the terms conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan. Please note that the Apply Now product links will take you directly to the Issuer or Insurer s site and we cannot be held responsible for the information which they provide within their own sites.

UK CreditCards.com offer credit card comparison tables which are free for people to use, but we do receive commissions from the issuers we refer custom to. This table comprises a range of credit cards offering individuals the opportunity to balance transfer their credit card debt sorted by duration of the balance transfer. Other tables feature products with other attributes. Please note – table position does not imply suitability, strength or superiority.

While reasonable efforts are made to keep information updated, credit card terms cannot be guaranteed for accuracy. Please ensure that you fully read the terms conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan. Please note that the Apply Now product links will take you directly to the Issuer or Insurer s site and we cannot be held responsible for the information which they provide within their own sites.


Business Credit Card Offers #small #business #credit #cards, #business #credit #cards, #apply #for #small #business #credit #card, #credit #cards, #credit #card #offers


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Small Business Credit Cards

Credit cards are an excellent way for small business owners to secure funding for their companies, especially now that gaining approval for a traditional small business loan from a bank is a daunting process. These small business credit cards are specifically geared towards the needs of small business owners, providing you with favorable terms and the capital you need to get your business up and running. Whether you re creating a startup or trying to securing more funds for an established company, acquiring a small business credit card can benefit your entire business. The following are our most popular Business credit cards offered by our partners:

Featured Card of the Month

Intro APR Purchase

0% for 9 billing cycles

Bank of America Business Advantage Travel Rewards World Mastercard credit card

Intro APR Balance Transfer

12.24% – 22.24% Variable APR on purchases and balance transfers

  • Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time — no matter how much you spend
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
    • No annual fee and no international transaction fees
    • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center – powered by Orbitz®
    • 0% Introductory APR on purchases for your first 9 billing cycles
    • Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards

    Intro APR Purchase

    0% for 9 billing cycles

    Bank of America Business Advantage Cash Rewards Mastercard credit card

    Intro APR Balance Transfer

    12.24% – 22.24% Variable APR on purchases and balance transfers

    • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no annual fee and no limit to the base cash back you can earn
    • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
      • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account

      CreditCards.org

      *Disclaimer: Creditcards.org strives to keep its information up to date and accurate. This information might deviate from what you see when you visit a financial institution, service provider or specific product’s site. All products and services are presented without warranty, and we encourage you to view the online services for further details about terms and conditions. When you click on the “Apply Now” button, you can review the terms and conditions on the issuer’s official website.

      Advertiser Disclosure: Creditcards.org is an independent, advertising-supported comparison service. The owner of this website is compensated in exchange for featured placement of certain sponsored products and services, or clicks on links posted on this website. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. Creditcards.org does not review or include all credit card companies or all available credit card offers.

      Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through partnerships for referrals.

      1. Information in these articles is brought to you by CreditCards.org. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.


Payroll Debit Cards #payroll #debit #cards, #debit #cards, #paycard, #debit #card, #payroll #debit #card, #payroll #card, #paycards, #payroll #cards


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Paycard Payroll Cards | Payroll Debit Card Programs

The Paycard is a payroll debit card that carries the Visa logo. These payroll cards insure that spending cannot exceed the account balance you have loaded via direct deposit. If you do not have a bank account and want the benefit of safety, convenience and prestige then a payroll card could be for you.

Costs of Payroll Debit Cards and Payroll Card Programs.

For most employer programs, prepaid debit card programs are of little to no cost for individuals and a one-time fee for employers. If workers have no credit or don’t have a bank account, they can still apply for debit cards as long as you the employer or benefit provider offers direct deposit. The prepaid debit cards have no enrollment, no activation, no loading and no monthly or annual card fees for most programs.

This is a prepaid Visa with free enrollment and no monthly or annual fees for cardmembers. There is no cost to load the prepaid Visa via direct deposit. You can make purchases and get cash back by using your PIN at POS locations for no charge. There is a one-time employer set up charge for standard prepaid card programs with less than 100% annual employee turnover rates. We offer funding paycard accounts for employers who need to get money onto a paycard employee card in real time. The prepaid Visa is an ideal solution for employee pay, commissions, termination pay, expense reimbursements and per-diem payments.

You can apply for the payroll debit card Visa or MasterCard without a credit check or any bank account requirements. We do not report to the credit bureau and the prepaid cards can be a great tool even if you have bad credit or no credit. You must completely fill out the enrollment form to receive a debit card. Your signature, direct deposit information and employer details are required and you must be a US resident with a valid social security number. We will not mail out any paycards outside of the United States. You must have to ability to load funds onto the prepaid cards via direct deposit. Typically paycards are loaded on your pay date by your employer or government benefit program such as social security.

When you receive your pay card, you will get instant access to your pay on first thing on payday without having to stand in line. The payroll card will save you money because you will not have to pay check cashing fees or even bank account charges. You can use the pay cards to get your cash at low or no cost through thousands of Allpoint , STARsf , and agent banks ATMs or Cash-Back at most large retailers and grocery stores. You can make signature and online purchases with the PayCard. Even people with good credit get a prepaid card to budget money or use in place of normal credit cards when making online purchases for extra security. You can pay your bills that accept debit cards.

Please feel free to call USA Paycard toll-free with any employee or employer questions, enrollment materials for the reloadable payroll cards, or if you require additional information.

The PayCard is issued by MetaBank. Member FDIC. All trademarks, service marks and trade names referenced in this materials are the property of the their respective owners. Money Network Checks and Money Network Cards are issued by MetaBank and The Bancorp Bank, Members FDIC.


Chase Bank Credit Cards – Apply for yours at #chase #credit #cards, #chase #credit #card, #platinum, #business #credit #card, #creditcards.com, #home, #credit #card, #credit #cards, #apply, #online, #application


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Chase Credit Cards

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards
  • Named Best Credit Card for Flexible Travel Redemption – Kiplinger’s Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Preferred Card details

at Chase s
secure site

  • Unlimited 1.5% cash back on every purchase it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited details
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named “Best Credit Card for Balance Transfers” four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • See additional Chase Slate details
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom details

at Chase s
secure site

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Named “A Great Card for Small Businesses” Kiplinger’s Personal Finance, September 2016
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
  • See additional Ink Business Cash Credit Card details

at Chase s
secure site

See the online Chase credit card applications for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

* For additional rates, fees and costs see issuer’s website for detailed pricing and terms.


2017 Easiest Credit Cards To Get Approved For #google #accept #credit #cards, #easiest #credit #cards #to #get #approved #for


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What are the easiest credit cards to get approved for?

by CreditCardForum Staff

Q: If you don t have the most stellar credit history or haven t had a card before, which credit cards are you most likely to be approved for in 2017?

A: That s an excellent question and below is the answer.

The great recession kind of ruined the party for easy credit (though that was catalyst for the recession), so getting approved for credit cards hasn t been quite the same that time. In the good old days prior to the Wall Street meltdown and housing crisis, almost anyone with a pulse and completed application could get a credit card. Banks and card issuers competed aggressively with each other and promised low rates even to those without credit history or those with bad credit. It s not that they were altruistic there was a method to their madness. They would hit you with all kind of fees either up front in the form of application or annual fees or on the back end for even the tiniest infraction like being a day late with your payment, in order to make such risky accounts more profitable. These days, credit card companies have stricter approval requirements, making approval more challenging for those with bad credit or a limited credit history. This is largely a result of the Credit CARD Act of 2009, which rolled back most of the card industry s controversial pricing and penalty practices. Credit terms are now much friendlier but the down side is that getting approved can be more challenging.

Let s take a look at some of the easiest credit cards to get approved for, broken out by category

For those with little or no credit history

Below are a few entry products that are designed for those with fair, bad or no credit history:

Lucky for you, banks view those with a blank slate (little to no credit history) more favorably than someone that has screwed up their credit. In other words, banks are usually more willing to give newcomers a chance. When you have no bad credit baggage to weigh down your credit score you can often get the benefit of the doubt and be given a chance to prove yourself. The only downside to being in this position is that you probably won t be given a substantial line of credit to start out with, since that is how card issuers limit their risk.

If you are a college student. I would recommend applying for cards designed for college students. These are specifically geared towards younger people with little to no history, so they are some of the easiest credit cards to get approved for the only caveat is that you must prove that you are a student of an accredited college or university to qualify. We have a sponsored section for with the best student credit cards you should check out.

If you are not a college student. you won t be able to get a student credit card, as mentioned above they generally require you to document your enrollment status at an accredited four year college or university. Fortunately, there are still cards out there for those with limited credit history, whether you are 20 or 80. The easiest ones to get will be those geared toward people with fair credit (which is what most people newer to credit usually have). Check out our ranking of cards for people with fair credit .

For bad credit

Don t worry, if you have bad credit. all hope is NOT lost! There are still plenty of options on the market for people just like you!

As expected, you won t qualify for most of the cards out there. The easiest ones to get approved for will be secured cards. However you need to watch out, because a lot of secured credit cards charge outrageous fees. Just because you have bad credit, it doesn t mean you should be taken advantage of! Here are some things to keep an eye on when it comes to secured cards:

  • Application fees Some secured cards charge application fees. Generally this is something that you should avoid at all costs
  • Processing fees You may be charged a processing fee simply for processing your application. Ideally, it s probably best to choose a card that doesn t charge this fee, if you have options.
  • Annual or monthly fees You can expect to pay an annual fee for most secured cards, but some cards fees are more unreasonable than others.
  • Easy account management Online account management, text message notifications, etc. should be included free of charge.
  • Reports to major credit bureaus Card issuers actually have to pay in order to report their cardholders to the credit bureaus. For this reason, some card providers won t report. Make sure the secured card you choose reports to the major credit bureaus, otherwise it won t help your credit.

Due to the fact that secured cards require a refundable security deposit, you re likely to get approved as long as you meet the simple residency requirements (U.S. citizen), are at least 18 years of age and can verify your identity if needed. There is usually no credit history or credit score requirement, so secured cards are definitely the easiest to get, even if you have really bad credit. Check out this page where we ranked secured offers:

You have to call Barclays the day that you apply and beg and plead until the analyst transfers you to a senior credit analyst (supervisor). The person transferring the call will explain everything beforehand. Once the supervisor starts asking you questions about your income and credit history, be obliging and explain everything patiently. They eventually will approve you if you re persistent. They told me no 12 consecutive times over a 12 month period before finally approving me after I called them 3 times.

Hi, I ve been reading about your Mastercard secure credit card and found it perfect for me.
I live in Puerto Rico and would like to apply for the card. Is it possible?

There are many factors with getting approved. my score is 593 and got approved for barclay for $500.00. They look a lot for stability as well. How long you have lived at your current address. Collection on utilities is really bad .they figure if you don t pay your electric, your not going to pay for a credit card. Whether you own or rent. If you bankruptcy is discharged or not .and length of time from poor credit. IE .if there is a collection account on your credit .and its 2 years old and your credit is fine otherwise then it wont bother you. Sometimes you never really know why its declined. They can give you bad marks for many things. YOu need to score high on basic things .length of time at address, how long you have had the same phone number, you debt to income ratio, you length of employment at same job.

The easiest card to get approved is GM World Elite MasterCard. I just got approved with $8000 CL.
This is a brand new card from Capitalone with GM.
Apply here gmcard.com

Bankruptcy in 09, approved for Capital One $750 1 year later. Slowly applying for cards while using as a debit card (don t have the money, don t use the card). Capital One raised to $2250 limit 2 years later, got Barclay card, approved $2000. Target $300. Getting back on track. It s doable but don t go back to your old ways. DONT HAVE THE CASH DONT USE THE DAMN CARD.

Advertiser Disclosure
The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Disclosure
Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

User Generated Content Disclosure
Forum member posts, comments and responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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5 Gas Cards For Bad Credit In 2016 #bad #credit,gas #station #credit #cards,best #gas #cards


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5 Best Gas Cards For Bad Credit

If you have a bad credit score, there s more than one reason why gas credit cards can be useful:

  1. Saving money on fuel
  2. Some are easier to qualify for vs. regular credit cards
  3. Most don t charge an annual fee

So which are the best gasoline credit cards for people with little credit history or bad credit? Here are our picks for the best five

1. Clark Credit Card

If you live in an area where there are Clark stations, this is perhaps the most lucrative choice for gasoline rewards – it gives a wopping 4% rebate. That can really add up if you drive very much.

The bad news? It s a MasterCard (vs. store-only card) and as a result, you can t have downright bad credit and still get this card.

But, if your credit isn t fabulous but still good enough for a general purpose credit card (from Visa, MasterCard, Discover Card or American Express) but you still want a gas rewards card, then try applying for the Clark MasterCard. I would estimate that fairly average credit scores in the mid-600s still might qualify. Here is the Clark gas card review .

2. Shell Drive For Five Card

Despite its marketing, this card isn t the most rewarding

It gives a 5 cent rebate per gallon, but only if you buy at least 45 gallons of Shell fuel per month. Buy less than that, you don t get any rebate. For an average car that would mean you have to fill up at least once a week. Unless you have a long commute that might not be achievable.

And, if gas prices ever go up near $4 again that would mean your rewards are the equivalent of only 1.25% cash back (or less), but at current levels with the price of oil at half of what it was a year ago it s quite a bit worse.

That being said, if you want a credit card with no fee that has fairly forgiving approval terms, then it s worth checking out. Watch out though for the stratospheric 24.99% interest rate it s definitely not a card for carrying balances over time. A more thorough review of the Shell credit card will explain everything you need to know about it.

3. ExxonMobil Personal Card

This will be one of the easiest to get for people with bad credit. It s no frills all the way:

  • It can only be used at ExxonMobil stations
  • There is no rewards program
  • The interest rate is quite high

Why would anyone find that appealing? I can only think of a single reason it could be a good choice if you are at the first stage of rebuilding if you have bad credit or just need a first card to start out your credit life with. If you want to start with 3-4 credit cards that are low or no cost, this could be one of them. But it will become quite costly if you ever carry a balance with an ExxonMobil card. so don t even think about racking up more than you can afford to pay off at the end of the month.

4. Regular Marathon Card

If you live in the Midwest, there s a good chance Marathon stations are in your neck of the woods (there are over 5,000 of them). Out of all the gas credit cards for bad credit, this one has a couple of noteworthy benefits:

  • Rewards? Surprisingly. yes. As you ve seen so far, that s a rarity for entry-level gas station accounts. The Marathon card gives a 2 cent/gallon rebate. Of course in times of high gas prices, that would hardly equate to a half-percent, but it is better than nothing.
  • Ohio-based customer service. On the application they make note of the fact that customer service is in Ohio. It s not often that cards for bad/fair credit offer U.S. call centers, so this is a pleasant surprise.
  • No annual fee.

5. Meijer credit card

This is another one that s included for our readers in the Midwest. For anyone with good or great credit, this card is actually not a good choice.

So why is it recommended? These 3 reasons:

  • It can be used for more than just gas. Their card can be used at Meijer stores as well to just buy gasoline. This makes it a lot more useful than your typical gas station card.
  • It gives rewards, albeit dismal. Again keeping things in perspective, for this category it s rare to have a rewards program. This card will chuck back a few pennies on fuel as well as your grocery purchases at Meijers.
  • There s no annual fee.

With its excessively high interest rate, be careful to always pay your bill in full each month. Here is a more in-depth Meijer card review .

Gas cards for bad credit a summary

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