- No Credit Check
- Approved Regardless of Credit History*
- Credit limits up to $5,000.00
- Reports to All 3 Bureaus
- Special High introductory savings rate
3.5 / 5.0 (23 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Card for Bad Credit
Guaranteed Approval
Credit Needed:
Bad Credit OK*
Grace Period:
0 days*
Min Credit Line:
Max Credit Line:
Late Payment Fee:
Over Limit Fee:

Balance Transfers

Balance Transfer:

Cash Advances

Cash Advance Fee (%):
Minimum Fee:
Maximum Fee:

Other Fees

Additional Fees
Processing fee: $99.95

Review by

The First Option MasterCard credit card is designed for members of public interested in building a more solid credit history over time. It's a highly competitive credit card guaranteeing 100% approval provided the identification checks are surpassed. Card members enjoy fantastic benefits just like with an unsecured credit card.

Travel accident insurance and auto rental insurance come at no extra cost to card members. An extended warranty protection on purchases program increases the period with which card members can return purchases and have their monies back. An emergency cash and card transfer/replacement service comes in handy when cash or a new card is needed.

Card members are charged a $59 annual fee.

Additional benefits are online account management, and online bill payment.


Most attractive:
- Guaranteed approval
- High credit limit
- Reports to All 3 Bureaus
Least attractive:
- Processing fee
- Annual fee


Other Benefits:
- Internet related services
- Emergency cash transfers
- Auto rental Insurance
- $100,000 Travel accident Insurances
- Extended Warranty protection
Online Access:
100% Guarantee Approval:
Credit Reporting:

The information provided for First Option MasterCard® is believed to be accurate at the time of evaluation (Sep 7, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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