Are you one of the millions of America with bad credit and need a credit card? Have you been searching for a credit card, but not sure which of the unsecured credit cards or bad credit credit cards marketed to people with bad credit to apply for? Heard the horror stories of high interest rates, high fees and scams and want to avoid getting ripped off?

Welcome to Unsecured Credit Cards Reviewed. We are a free consumers resource for people in need of one of the bad credit credit cards being offered to consumers. It is our goal to help you make the best decision when it comes to choosing one of the many unsecured credit cards for bad credit by allowing you to compare cards. Our site shows you the true costs of each card available by showing you the fees and total yearly cost to carry each card.

Lets face it; having bad credit is absolutely horrible and makes life very difficult to live. And while credit cards have become a necessary evil, not having access to a credit card is even worse. Your ability to rent a car, book a flight, reserve a hotel room and more are severely limited and in some cases almost impossible. Fortunately, there are some unsecured credit cards available to people with bad credit. These cards will give you the necessary tools to live and help you start repairing your credit score by simply making your payments on time. However, you need to be very careful when choosing one of the unsecured credit cards for people with bad credit. Most of theses unsecured credit cards marketed to consumers with bad credit are low limit – high fee cards that are designed to bleed as much money as the can from you. These unsecured cards are provided by predatory lenders and need to be avoided. Your better off with an unsecured card if your only option is one of these high fee low limit credit cards.

If your tired of living life without a credit card and are ready to take the leap, you have come to the right place. We are going to show you the best card available and which of the unsecured credit cards for bad credit that you need to avoid. You are going to learn the total cost to carry each card as well as the interest rate and hidden fees (if any) for each card.

When choosing sub-prime unsecured credit cards and bad credit credit cards you need to remember the following -

Avoid Prepaid Credit Cards – They are not extending you credit and therefore will not help you build or rebuild a credit history. Prepaid cards are perfect for those needing second chance checking, but will do nothing to help you rebuild your credit.
Avoid Catalog Cards – While most are unsecured credit cards, you pay outrageous interest rates on highly overpriced items and most do not report your history to the credit bureaus until you make a mistake.
Avoid Secured Credit Cards – While most are legitimate and are extending you credit, most secured credit cards are reported as secured and therefore do not help build your credit score.
Before Applying – Make sure you understand the fees, interest rate and all other factors when getting the card. You need to understand the total cost to get the card and to keep the card.

Unsecured Credit Cards – Bad Credit Credit Cards Review

We are providing you with an honest review of the top unsecured credit cards for bad credit. Trust me this is not the same review you will find on other sites. What makes our reviews different is that fact that we are going to show you the interest rate, fees and other information that you need to know so that you avoid being scammed or ripped off by predatory lenders. This will help you make a smart financial decision based upon facts. We all know how important good credit is, but the problem with most unsecured credit cards for bad credit is that they come at an extremely high cost and could put your credit score in more danger by your initial credit limit being eaten up by high fees and start up costs. The danger is that your so close to the limit that your credit use ratio is too high which lowers your already bad credit score and you are also at risk of going over the limit by the first months interest charges. If you go over the limit, your minimum payment will be increased due to fees. So as you can see the financial dangers can be significant and make your goal of increasing your credit score even harder.

Orchard Bank Classic MasterCard – Recommended

Out of all the unsecured credit cards and bad credit credit cards for people with bad credit, this is the only card on our list that we recommend. Compared to all the other unsecured credit cards for bad credit, this card has the lowest fees and a respectable interest rate (better than some prime cards) and all fees and interest rates are based upon your credit history/score and not a one size fits all plan like the others. Take a look at the specifications of the Orchard Bank Classic MasterCard below. Apply for the Orchard Bank MasterCard here.

Initial Credit Limit – N/A* Initial credit limit is based upon current credit situation

Initial Fees to get the Orchard Bank MasterCard
Interest Rate – Variable Purchase APR: 14.99%-19.99%, based on creditworthiness – 7.99% APR for secured cards
Annual Fee – $39 or $59 the first year, or $0 – $49 Introductory the first year, then either $35 or $59 per year thereafter
Processing Fee – 0 to $39, based on creditworthiness
Total Initial Fees – Up to $118

Annual Fees to Carry the Orchard Bank MasterCard
Annual Fee – $35 or $59, based on creditworthiness
Total Annual Fees – Up to $59

Apply Now and Start Rebuilding Your Credit Today!

Other Fees and Interest Rates Associated With Orchard Bank Bad Credit Credit Cards
Late Fee: Up to $35
Over the Credit Limit Fee: Up to $25
Variable Balance Transfer APR: 7.90%-19.90%
Variable Penalty APR: 29.99%
* Credit limits and fees are based on your current credit worthiness. It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured credit card which will be disclosed before your application is processed.
Apply Now and Start Rebuilding Your Credit the Right Way!

Compare the Orchard Bank MasterCard unsecured credit cards to the Continental Finance, First Premier and Merrick Bank bad credit credit cards.