In-depth, independently researched reviews of individual credit cards, covering real fees, APRs, credit limits, and who each card is actually a good fit for.
The Legacy Visa Credit Card promises easy approval for bad credit, but it only comes by mail invitation. Here’s what the annual fee, APR, and optional add-ons really cost before you accept.
Got a Revel Mastercard offer in the mail? Here’s what the fees, credit limit tiers, and legitimacy actually look like before you respond.
The Total Visa Card’s fees consume 55% of a $300 credit limit before you make a single purchase. See the full cost breakdown here.
First Access charges a program fee that doesn’t count toward your credit limit, plus a 25% fee if you want a credit limit increase after year one.
The Cerulean Mastercard has a genuinely lower APR than most bad-credit cards, but its $99 fee still cuts into available credit from day one.
The Surge Mastercard’s cost depends entirely on which credit limit you’re approved for — the higher tiers skip the monthly fee most competitors charge.
The Fit Mastercard’s $400 credit limit sounds workable — until you subtract the $95 processing fee and $99 annual fee taken out on day one.
Perpay offers one of the lowest APRs in the bad-credit card category — but only if you’re willing to route part of your paycheck through them.
The Imagine Credit Card is one of the only bad-credit cards with real cash back rewards — but the fees can easily offset what you earn.
The Reflex Mastercard skips the security deposit but charges steep fees — though its automatic credit limit increase after 6 months is a real differentiator.
