I didn’t research it properly before applying, and I already regret it just one month later. I highly recommend that everyone stay away from this credit card. You can help by sharing these posts on social media, hopefully unsuspecting consumers will come across these reviews before they apply and decide to go down a different route instead. If anybody knows of any other cards with ridiculously high annual fees and other fees, let me know. Here are other cards in the hall of shame: Unfortunately this probably isn’t even the worst card on the market. For example using the shopping cart trick to get store credit cards. There are also a bunch of other options for people with bad credit. Upside is no annual fees and a good rewards program and the card can graduate to an unsecured card (you get your security deposit back, but keep the card and the rewards program improves). This will help people with bad credit improve their credit score, downside is you need to put down a security deposit. There are other options for people with bad credit, for example: Couple that with the fact there is no rewards program and you have a truly awful card. Our Verdictīeing able to check to see if you’re pre-qualified before applying with only a soft credit pull is a neat future ( although remember you can do this with other card issuers as well), unfortunately having an annual fee that is up to 33% of your credit limit is absolutely terrible. I don’t really see how this is even legal considering that the CARD act clearly states that an annual fee cannot be greater than 25% of the credit limit. Worst case scenario you’re going to be paying an annual fee of 33% of your total credit limit. The difference between the three cards is simply the annual fee:
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