Tribute Credit Cards and More for Bad and No Credit History

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for FAIR Credit
Milestone® Mastercard® with Choice of Card Image at No Extra Charge

Prequalify for a card today and it will not impact your credit score

Less than perfect credit is okay

for BAD Credit
Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

All credit types welcome to apply

Card Name Ongoing APR (for purchases)Annual Fee Build CreditInstant Response Apply / Details
17.39% (variable)$35YesNo
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
Tribute Credit Cards and Other Solutions for Bad and No Credit

Tribute Gold MasterCard was issued by First Bank of Delaware, a prominent issuer of sub-prime credit cards. With monthly credit reporting provided, instant application response and no collateral it was popular among people with bad and no credit seeking to improve or build their credit history.

Today consumers with bad credit or no credit have a variety of excellent choices too. You can apply for credit cards and prepaid debit cards that are as good or even better than Tribute credit card. Compare cards for bad credit on our site that can help you build or improve your credit history if you maintain good credit habits. You can choose a card with guaranteed approval, no credit checks, no activation fees, and other free features. Find out more about these offers and apply for the card of your choice online!

Credit Cards and Prepaid Debit Cards

With bad or no credit you can choose to apply for a regular credit card, secured card or a prepaid debit card. To decide in favor of either you should estimate your needs and purposes of getting a card. Are you looking for a convenient and secure payment tool that will also help you to save money? Want to improve your credit? Want to establish credit history? Want to be able to make purchases online? Here are just some highlights of what credit cards and prepaid reloadable cards can do for you.

Credit cards usually provide regular credit reporting which helps you improve your credit faster. It is a credit instrument and you can charge purchases to your credit account and pay back later. Remember there are interest payments on carried balances and you need to make sure you only spend what you can afford otherwise you risk getting into debt.

Prepaid debit cards can offer credit building features and short-term loan options, but their main purpose is to provide a convenient and secure payment and money management tool. While paying bills online or shopping you can spend only what you deposit in the account and there is no risk of getting into debt. For your convenience you can usually set up a free direct deposit of your paycheck or government benefits to your prepaid card account. Another great benefits is that you get guaranteed approval without the stress and hassle of a credit check.

Compare credit and prepaid cards for bad and no credit and choose what is better for your individual needs.

Build Credit

Why is there so much talk about building credit history? First of all, good credit usually opens the door to better interest rates and credit terms. Your credit rating is usually considered when you want to get a mortgage, buy insurance or apply for a new position. To build or improve credit is vital if any of the above mentioned is important to you.

Credit cards for bad and no credit history can help you establish or re-establish your credit rating. Apply for a card that provides monthly credit reporting, make payments to all your creditors on time, stay within spending limits and you will see progress.

Immediate Credit Card
Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest questions of Immediate Credit Card Care Service

I have bad credit and I am starting college to better my life. But I cannot seem to get a lender to give me a chance to rebuild my credit. Do you have any suggestions on what I can do to get some help?

To qualify for a credit card you should be at least 18 years old, some issuers approve starting from 21 years old though.  Also, you should have a stable income and the credit card issuer may check your employment. You can use our credit score estimator to see your approximate credit score and the credit cards you can apply. Or you can wait until you are a student and apply for a student cre...

I am full-time employee. I am at poor credit rank <600. My monthly credit card payments are more than $2,000. My debt is around $25,000 or less I seek balance transfer credit card so that I can have improved credit rank. I am open for personal loan. I am not interested to apply for a credit card (online purchases).

Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lenders allow co-applicants, which will increase your chances to qualify. Also, we would recommend you to pay off the credit accounts...

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