Creditimes.com Compare and Apply for Credit Cards

Creditimes.com - Credit Card Applications

Creditimes features an easy way to compare and apply for credit card offers online. With over 100 credit card applications to choose from, finding our credit card is a simple task. Some of the credit card categories that creditimes offers are balance transfer credit cards, low interest credit cards, rewards credit cards, cash back credit cards and travel credit cards. (From our Partners)

OpenSky® Secured Visa® Credit Card


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  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

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Regular APR: 25.64% (variable)
Annual Fee: $35
Credit Needed: Poor
Credit Line: $200-$3000 at time of application
Late Payment Fee: Up to $40
First Progress Platinum Select Mastercard® Secured Credit Card


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  • Get a First Progress Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
  • Choose the First Progress Select Card for a lower annual fee!
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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Regular APR: 18.74% (V)
Annual Fee: $39
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
First Progress Platinum Prestige Mastercard® Secured Credit Card


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  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • Apply now and fund your security deposit over 90 days with the option to make partial payments.
  • You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Apply Here
Regular APR: 14.74% (V)
Annual Fee: $49
Credit Needed: Poor/Limited/No Credit
Credit Line: $2,000
OpenSky® Plus Secured Visa® Credit Card


Apply Here
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

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Regular APR: 29.99% (variable)
Annual Fee: $0
Credit Needed: No credit, Poor, Fair
Credit Line: $300-$3000 at time of application
Late Payment Fee: Up to $40
OpenSky Launch Secured Visa® Credit Card


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  • Excellent option for a low fully refundable security deposit, get started with just $100
  • Earn up to 10% cash back on everyday purchases
  • Minimum payment as low as $10
  • Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit

Apply Here
Regular APR: 29.99%* Variable
Annual Fee: $24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in
Credit Needed: No credit, Poor, Fair
Credit Line: $100- $1,000
Late Payment Fee: Up to $40

You will find competitive rates on credit cards, and you can see on the left panel that you can choose from more low rate credit cards like 0% balance transfer credit cards, 0% intro APR credit cards, and cashback credit cards. We make it easy to compare credit card offers by placing all the fine print right below the description of the credit card, so you know exactly what interest rates to expect, and any annual fees.

Our Credit card offers, with competitive interest rates, are from Discover®, US Bank, Barclays.

Students can also apply for a credit card here. We feature an entire section on student credit cards, with offers from Discover.

Typically, the type of credit card that consumers are looking for are cash back credit cards. The reason consumers like to apply for cash back credit cards is because you are not limited to using airline miles or points specifically for a specific retail merchant. You get cash back, which you can spend it any way you choose.

About Creditimes

We research the credit card companies, and offer you our credit card applications, and find credit cards that suit your needs. Whether you're looking for a 0% APR credit card, or a card that gives you cash back. Creditimes has the right credit card for you. Many of our credit cards are immediate decision credit cards, which means you can get instant approval on your credit card application.

We don't stop at credit card applications. Rebuilding your credit and monitoring your credit report are as important to us as it is to you. Having bad credit happens to all types of people, many times through no fault of their own. Maybe unexpected medical bills or hardship caused damage to your credit report. We have the tools and information to help you get your credit scores up.

Identity theft is the fastest growing crime in the United States. Here at creditimes, we have great credit monitoring programs, that update you immediately with changes to your credit report. Inquiries, changes in balances etc are sent to you in alerts such as email alerts or sms alerts on your cell phone.

Best Credit Cards


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  • Compare our current best credit card offers to find the one that best suits your needs
  • See the best credit cards by category including cash back, travel, business and student
  • Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses
  • Best card selections updated often – click to see the latest rankings
  • Terms may vary by partner offer. Please see each bank's application for terms and conditions
  • Clicking will take you to CreditSoup.com to compare Best Credit Cards from participating partners

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Intro (Purchases): See website for Details*
Intro (Balance Transfers): See website for Details*
Regular APR: See website for Details*
Annual Fee: See website for Details*
Credit Needed: Average/Fair/Limited/Poor/Good/Excellent

Editorial Note

The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Advertiser Disclosure

All of the card offers that appear on this site are from companies from which Creditimes.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Creditimes.com does not include all card companies or all card offers available in the marketplace.