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Top Offers
Secured Self Visa® Credit Card¹
- The Card with No Credit Check
- Build credit by making on-time payments and maintaining a low credit utilization ratio
Milestone® Mastercard® - $1,000 Credit Limit
- Guaranteed $1,000 credit limit if approved
- No security deposit, and a path to better credit
- Zero Fraud Liability
Card Offers
Merit Platinum Card
- $750 Merchandise Credit Line
- No Employment or Credit Check Needed
- Zero Sign-Up Fees
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Description
If you have less than perfect credit or no credit, then Merit Platinum is perfect for you.
Benefits
- $750 Merchandise Credit Line
- Start Shopping in Minutes!
- Zero Sign-Up Fees
- Bad Credit? No Credit? You’re Welcome!
- No Employment or Credit Check Needed
- Fast, Easy Application
PREMIER Bankcard® Mastercard® Credit Card
- Pre-qualify with no impact to your credit score
- Start building credit by keeping your balance low and paying all your bills on time each month
- Award-winning, U.S.-based customer service
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Description
Helping people build credit is our first priority – start your credit-building journey today. Start building credit by keeping your balance low and paying all your bills on time each month.
Benefits
- Pre-qualify with no impact to your credit score
- We report monthly to the Consumer Reporting Agencies to help you build your credit
- Award-winning, U.S.-based customer service
Destiny® Mastercard® with Instant Credit
- Guaranteed $700 credit limit, if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than 1 million customers
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Description
The Destiny Mastercard provides an opportunity for those with imperfect credit.
Benefits
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Credit Repair
Denied For A Loan?
- Often caused by a low credit score
- 1 in 5 credit reports contain credit lies
- We help to set the record straight and fight for your credit reputation
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Description
Did you know that 1-in-5 people have lies on their credit report? These lies can range from small oversights to major blunders, which can lower your credit score and prevent you from qualifying for personal loans, mortgages, and auto loans. Low scores also limit your ability to secure credit cards with the most favorable terms and interest rates.
Lexington Law is committed to fighting for every consumer’s right to an accurate, fair and substantiated credit report, including yours.
Benefits
- Find out if you have unfair or incorrect negative items on your credit report for FREE
- Receive recommended credit improvement action steps
- Since 2004, Lexington Law Firm clients saw over 83 million items removed from their credit reports
The Credit Pros
- Need Help Fixing Your Credit? Ask the Pros!
- Join for FREE!
- See an improvement in your credit score in a little as 2 weeks!* Results may vary
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Description
Need Help Improving Your Credit? Just Ask the Pros! See an improvement in your credit score in a little as 2 weeks!* Top rated credit remediation counseling service since 2009, trusted by over 1 million customers.
Benefits
- #1 Ranked & Trusted Credit Repair Service
- Instant Access to all 3 Credit Reports
- Free Credit Consultation via Phone & Chat
- Unlimited Disputes of Questionable Items
- Improve Credit with a $5,000 Tradeline
- Build Credit – We report your payments
- 60 Day Satisfaction Guarantee
Disclaimers
*Results may vary.
Find The Card for You
- Cards for Every Credit Score
- See if you’re eligible with no impact to your credit
- Compare Top Card Offers and Apply Online!
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Description
Milestone® Mastercard® is the credit card that gives you the opportunity to improve bad credit.
Benefits
- Guaranteed $1,000 credit limit if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Credit Building
Firstcard® Secured Credit Builder Card
- No credit checks or history required
- 0% APR
- Reports to all 3 credit bureaus
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Description
Credit building for all. When other banks reject you, we’re the first to believe in you. Build credit faster with Firstcard.
Benefits
- No credit history? No problem — start building today.
- Open a credit card and bank account in minutes, all in one app.
- Earn cashback while you spend and grow savings while you save.
- Designed for everyone — no matter where you’re from or where you’re headed.
- Join the movement to democratize credit and take control of your financial future.
Arro Mastercard® Credit Card
- Start with a $50-$200 credit limit, grow up to $2,500
- 1% cash back on gas & groceries, including Walmart & Target
- Soft credit check only
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Description
Apply in 5 minutes or less with no hard credit check.
Benefits
- Start with a $50-$200 credit limit, grow up to $2,500
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit by completing financial lessons in the Arro app
- Build your credit with reporting to all 3 credit bureaus
Disclaimers
The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Privacy Policy.
Kikoff Credit Builder
- Discover a hassle-free way to boost your credit with Kikoff!
- No hidden fees, just transparent steps to a better credit score
- Instant approval decisions, no credit check needed
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Description
Milestone® Mastercard® is the credit card that gives you the opportunity to improve bad credit.
Benefits
- Guaranteed $1,000 credit limit if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
A closer look at our partners
The CreditNinja experts have taken a close look at some of the top offers for our customers and are here to help you better understand what each one brings to the table. Before you accept an offer, it’s important to consider each offers strengths and potential drawbacks — so you can find the one that best fits your needs.
We break down how each offer stands out, making it easier for you to compare your options and choose confidently.
Best Card Offer
Milestone® Mastercard®
WHO'S IT FOR:
The Milestone® Mastercard® is designed for people who are building or rebuilding credit and want access to an unsecured credit card without a security deposit.
It’s a solid option for those looking to establish a credit history with responsible use, offering pre-qualification without a hard credit check and reporting to all three major credit bureaus.
Additional Details
Description
Milestone® Mastercard® is the credit card that gives you the opportunity to improve bad credit.
Benefits
- Guaranteed $1,000 credit limit if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Third-Party Offers Disclaimer: These offers are provided solely by third-party partners. Ninja HoldCo, LLC does not guarantee the accuracy or completeness of these offers, their terms, eligibility requirements, or compliance with applicable laws. By selecting the offer, you acknowledge that you will be directed to the partner’s website or application and agree that Ninja is not liable for the partners’ products, services, or marketing practices. Please carefully review all terms and conditions directly with the third-party partners before accepting any offer.