Credit Cards » Legacy Credit Cards

Legacy Credit Cards

The Legacy credit card is an invitation only Visa card, which is designed specifically for consumers who have poor or bad credit. It offers them a way to build their credit up to good or excellent. It is not a secured card. It's an actual credit card so no deposit is necessary. Once you get an invite in the mail, you can apply for the Legacy Visa credit card online via a secured link.

Legacy Credit Card Alternatives

BEST for EXCELLENT Credit
  • Earn up to 5% Cash Back!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • Start with NO Annual Fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee terms
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you′ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.99%* (Variable)$0
  • 0% intro APR on balance for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up±. 1% cash back on all other purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • No limit to the cash back you can earn.
  • Your cash back doesn′t expire.
  • 0% intro APR on purchases until May 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/a0%
(until
May
2015)
22.9% (V)$39
  • Unlimited 1% gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% on gas purchases and get more value with every gallon.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
N/A*N/A*17.90% -
23.90% (Variable)
$35-$99
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms

Legacy Visa for Bad Credit

The Legacy Visa credit card is not your usual credit card. It's actually designed for consumers looking to repair their credit. This typically means people with credit ratings and scores that place them in the bad or poor credit rating category. This is an invitation only credit card, so you can't just apply for the Legacy Bank credit card online. Instead you will be sent information via regular mail, outlining the ins and outs of the card. The actual application is available online, and can be accessed with a code enclosed with the offer.

It would be natural to assume that the Legacy Bank card is a secured credit card, but it's not. It's actually an unsecured Visa card issued by First National Bank. The benefit of using the Legacy Visa credit card is that you don't have to put money down as you would with a secured card - and it's accepted anywhere you see the Visa logo. Your credit limit is based on the information the bank has on hand when you sign up. The credit limits on Legacy credit cards can go up or down based on your usage and payment history.

Members' activity while using the Legacy Visa credit card is reported to the three credit reporting agencies, so with proper use and timely payments you can actually begin to rebuild your credit history over time and then apply for other cards. There is a higher interest rate with the Legacy Visa credit card, but they suggest that over time members can receive a lower interest rate as they prove their creditworthiness.

Members can manage their Legacy Visa card account online directly through the website by using it to access to their statements, dispute charges, pay their bills, and update their profile. Members can also use their toll-free number.

Individuals who have bad or poor credit, and are having trouble obtaining other credit cards may well find the Legacy credit card interesting because it is actually a credit card and not a secured card so they don't need to put any money down on it. Since it is also a Visa card it can be used on day-to-day purchases anywhere that normally accepts Visa.

± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.