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The Rewards 660 Visa® Card, issued by Dakota State Bank, is a credit card designed for those with poor credit who would like an unsecured credit card.

The main benefit of this unsecured credit card is that it reports to the TransUnion and Equifax credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus.

The annual fee applied to new accounts is $48. There is also an account set-up fee of $97, a one time program fee of $90, and a monthly maintenance fee of $15, which amounts to $180 per year. The total amount of standard fees (not including penalty or default fees) is $367 for the first year.

This card does have an above average interest rate for purchases, but those cardholders who can pay their monthly balances in full will be able to avoid the high rate while still taking advantage of having their card reported to TransUnion and Equifax.

Therefore, those who can pay their balances in full, want an unsecured credit card, and do not mind paying the various fees may find the Rewards 660 Visa® Card to be beneficial.

Type of card: Credit_repair

Introductory apr rate description: No Introductory Rate Available

Purchases apr rate: $19.92

Cash apr rate: $19.92

Fee: $48.00

Best: Reports to TransUnion and Equifax.

Worst: Annual fee; no extraordinary benefits or discounts offered to cardholders.

Perks: Various Internet account related services. Lost and stolen card reporting. See website for additional benefits.

Notations: The card has a $90 program fee and a one time $97 account set-up fee. The participation fee of $180 is divided into $15 monthly. Cash advances are subject to limitations and are not permitted within the first ninety days following card issuance. Offer not available to New York or Wisconsin residents. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• $300 Starting Credit Limit. No Fee Credit Limit Increases. Maximum $2,000 Credit Limit After Increases!
• Bad Credit? No Credit? Why This Card? Because You Can Increase Your Credit Limit to as Much as $2,000 with Good Perfomaance Over Time!
• Do You make $1,500 a Month? Can You Prove It? Then You May Qualify!
• Can You Make a $70 Monthly Payment? Can You Prove It? Then You may Qualify!
• Initial Payment of $40 Required Before Account Can Be Used
• After Your $40 Payment Has Cleared and Posted to Your Account, Your Available Credit Will Be $90
• Important Notice: This Offer is for an Unsecured Credit Card. If Your Application is Approved, We Will Make Loans to You From the Credit Line. As With Any Loan, We Will Evaluate Your Willingness and Ability to Repay Our Loans in Accordance With the Published Terms and Conditions.