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.

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.99%, 20.99% or 25.99% variable$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% 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
Fair/BadN/AN/ASee Terms*See Terms*
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • 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
PoorN/AN/A16.99% - 24.99% 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.