Catalog credit cards for bad credit include the Horizon Gold Card, Unique Platinum Card and Fingerhut Credit Account, among others. Catalog cards, also known as Merchandise cards, are targeted to people with bad credit and have minimal requirements in order to qualify. Applicants must have an active checking account and proof of income. In most cases, they don’t require credit checks.
Catalog cards are not affiliated with a card network such as Visa or Mastercard. They’re store cards that you can use only for purchases within their affiliated catalog. Some catalog cards come with numerous fees that will eat up a huge chunk of your credit limit.
Notable catalog credit cards for bad credit:
Fingerhut Credit Account: Credit limit up to $2,500. Purchases limited to fingerhut.com catalog. No annual, monthly or one-time fees. Reports to all 3 major credit bureaus. 29.99%regular APR.Recommendedfor no credit or poor credit.
Horizon Gold: $500 credit limit. Can only use for purchases through the Horizon Outlet website. No annual fee. $5 one-time account fee. $24.95 monthly membership fee. $2 delivery fee, $3.50 signature verification fee, in addition to shipping and handling charges. Reports to at least one of the 3 major credit bureausevery 30 days. No employment check. No credit check.
Unique Platinum Card: Starting credit limit up to $1,000. Good only for online purchases at My Unique Outlet. One-time $29.95 membership fee. $19.95 monthly benefit fee. Reports to the 3 major credit bureaus. No annual fee. Recommended for no credit or poor credit.
Freedom Gold Card: $500 credit limit. Card use limited to Horizon Outlet website. One-time $5 account validation fee. $24.95 monthly membership fee. Reports to the major credit bureaus. No employment check or income requirement. No credit check.
Catalog cards for bad credit are good only if you’re a frequent shopper on the card’s online store. If you’re serious about building credit, you’re better off with a secured credit card such as the Discover IT Secured Card or the Capital One Secured Mastercard. You’ll have to pay a security deposit upfront, but you can use the card practically anywhere, and you won’t be saddled with excessive monthly fees.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.