Credit Cards » Legacy

Legacy Credit Cards Alternatives

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.

  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Bad / Non/an/a*See Terms*See Terms
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 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.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See Terms
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
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  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC787. Expires: 9/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a25.15%$0
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99

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.