Getting Your First Credit Card
Capital One® Standard Platinum for Students
0% APR on purchases until December 2008. After that, variable APR, currently 19.55%
No annual fee or balance transfer fees
A manageable credit line to help control your finances
$0 fraud liability if your card gets lost or stolen
Online account service
If you have a limited credit history and are starting to establish a credit foundation, this card can grow while providing great benefits
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* Until 12/08* 19.55%* None* Yes* Limited Credit OK
Capital One® No Hassle Cash(SM) Rewards for Students
25% annual bonus on the cash you earn during the year
1% cash back on purchases you make from day one
No limit on cash back and rewards won't expire for the life of your account
0% APR on purchases until December 2008. After that, variable APR, currently 16.65%
No balance transfer fees
If you have a limited credit history or past credit problems, this cash rewards card is for you
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* Until 12/08* 16.65%* $29* Yes* Limited Credit OK
Orchard Bank Classic MasterCard®
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 14.90%* $49* N/A* No Credit OK
Bank Freedom Prepaid MasterCard®
$0 activation fee - no conditions!
$0 monthly fee with direct deposit!
100% guaranteed approval* - no credit check
Free unlimited purchase transactions
Free direct deposit - no more check cashing fees
No late fees, no interest fees, no NSF fees
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
Wired Plastic(TM) Prepaid Visa® Card
No Upfront Payment Required – Receive your card in as little as 3 days
Overdraft Safety Program – Qualify to receive up to a $1500 cash advance directly to your card
Rewards Program – Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads
Integrated Bill Pay Service – Pay any bill online or over the phone, even if they don’t accept credit or debit cards
Convenient Loading Options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
READYdebit(TM) Card
READYdebit is simply the best prepaid Visa card on the Net!
100% Approval Guaranteed! – No Chexsystems or credit checks, bankruptcy okay!
Now with FREE Credit Builder!
Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
Pay Nothing Now! – No deposits or prepayments required to get your card
FREE Direct Deposit! – stop paying to cash your paycheck
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
All-Access® Visa® Prepaid Card
100% Approved - no credit check and bad credit is okay
$10,000 Load Capacity - reloadable at retailers nationwide
No Upfront Payment - and no minimum balance requirements
FREE Savings Accounts - higher rate than most national banks
FREE Instant Transfers - send money to other cardholders
FREE Direct Deposit - make payday faster and safer
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
Vision Premier(SM) Prepaid Visa® Card
$0 weekly fee & $0 activation fee – with direct deposit!
Guaranteed approval* with no credit check
Free unlimited purchase transactions, free direct deposit – no more check cashing fees, and free account alerts – email and/or SMS text messages
Pay any bill: rent, cellular phone, insurance, utilities, etc
Load cash at over 100,000 participating retail locations
Take Control - no late fees, no interest, no NSF fees
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
UPside Visa® Prepaid Card
Reloadable prepaid Visa® card for teens, managed by parents
No activation fee, no monthly or yearly fee
Created for families' needs with full parental control
Quick, easy online application
Free money loading with direct deposit
Accepted anywhere Visa debit cards are accepted, including abroad and online
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Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* N/A* None* N/A* No Credit OK
Applying for your first credit card is a very important step to establish a good credit history and score.
The following credit cards are right for those who are applying for a credit card for the first time,
people with limited credit history, or credit that needs some improvement. Compare these credit card offers
to find the right credit card that fits your needs and apply for your first credit card today!
