Catalog Cards



Catalog cards are primarily designed for those who are looking to rebuild their credit. These are not regular visa or mastercards, but are as the name suggest, retail cards. You could only use them at selected merchants, those that are under the credit card company that runs the program. Hence, you are limited as to where you can use these cards. Why would anyone want to have these cards then?

A few reasons actually. One is it is relatively easy to get. These cards always advertise that they do have have any credit employment checks, though they do mention that you need to have a monthly income of $800 and have been discharged from bankruptcy. There is normally a one-time application fee that is over one hundred dollars. However, the cards mentioned here all have none of the "extra" fees that other so called "bad credit credit cards" have. They have no annual fees, monthly maintanence fees, no transaction fees. And lastly, they do not charge any interest. Yes, no apr. However, the minimum you have to pay a month if you have a balance is slightly higher. You also get an unsecured credit line, for use of the card at their respective merchants.

Many people are lured by cards promising instant approvals, no credit checks, and they sign up for a catalog card without realizing that it. You have to be careful with ads. If you are looking to rebuild your credit and need a credit card, I still think it is best to look for a low cost secured card. However, getting a catalog card in addition to a low cost secured credit card may not be such a bad idea. Take a look at them and judge for yourselves. You will find that they have a lower cost than most other "bad credit credit cards".


Recommended Catalog Card


buyright prepaid card
The BuyRIGHT Prepaid MasterCard® buyright prepaid mastercard is the only hybrid prepaid credit card and a catalog card in the market and offers the best features of both types of cards. As a prepaid debit card, it overcomes the biggest negative point of a pure catalog card, (which is the fact that you can only use the card at a particular merchant) by providing the convenience of a credit card (in this case Mastercard®), atm card and a check card. Unlike a catalog card, you do have to pay typical prepaid card fees. The BuyRight card gives you the flexibility to choose either to pay a $7.95 monthly fee and pay no other transaction fee or pay no monthly fee, but be charged on most transaction. As a catalog card, every BuyRIGHT prepaid card also comes with a free membership to the BuyRIGHT Marketplace. This free membership gives you access to a $5,000 credit line that can be used to make purchases through the BuyRIGHT quarterly catalog and on-line at the BuyRIGHT marketplace. The BuyRIGHT website has over 15,000 brand name products available. Those who need to build or rebuild their credit can just make purchases through the BuyRight website and their payments will be made to two credit agencies (TransUnion and Innovis). The BuyRIGHT Prepaid MasterCard® buyright prepaid mastercard also has a reward program which allows you to earn unlimited points (1 point for every dollar you spend). The reward points do not expire.

Directory of Catalog Cards


BuyRight Prepaid Mastercard
One-time Application Fee $29.95
Minimum First Time Load $20.00
Annual Fee No annual fee
Monthly Maintanence Fee Either $7.95 a month but with no fees for money transfer or
No monthly fees, but you pay for every transaction fee
Reward Program Earn 1 point for every dollar you spend
Redeem points for for prepaid wireless airtime with Vodafone, Tracfone, Cingular and AT&T Wireless, and also internet, long distance, ring tones and music downloads
Points Expiry Reward Points do not expire
Caps on Points Earn unlimited Points
Credit Bureaus reporting Purchases from BuyRight's catalog are reported to TransUnion and Innovis
buyright prepaid card
Full Review
Apply Online

All American Gold Card
One-time Application Fee $149.95
Annual Fee No annual fee
Credit Bureau Reporting Reports to 1 major credit bureau
Credit Lines $6,000
Full Review
Apply Online


USA Platinum
One-time Application Fee $149.95
Annual Fee No annual fee
Credit Bureau Reporting Reports to 1 major credit bureau
Credit Line $7,500
Full Review
Apply Online


USA Gold Card
One-time Application Fee $149.95
Annual Fee No annual fee
Credit Bureau Reporting Reports to 1 major credit bureau
Credit Line $5,000
Full Review
Apply Online


Platinum Plus Cadrd
One-time Application Fee $149.95
Annual Fee No annual fee
Credit Bureau Reporting Reports to 1 major credit bureau
Credit Line $7,500
Full Review
Apply Online



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