Lower-average credit score & needed a back up "emergency" card & additional available credit showing. No plans on really using the card much due to the high interest rate but we will see. The $59 annual fee is acceptable for the purpose. Instantly approved for $750 when most other cards in my situation probably would be 3-500 & not worth the credit inquiry hit. This appears to double the credit limit in 6 months that I am couting on. Thanks to the reviews here, they convinced me!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $59
- Purchase Intro APR Not Applicable
- Purchase Regular APR 29.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Great card! Great credit builder! Increased my credit limit within 6 months of owning the card.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. 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 provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.