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The APR on the agenda is 9.75%, which is appealing abundant as acceptable as it gets for consumers with awful credit. In fact, the boilerplate APR on a archetypal apart acclaim agenda is aloof aloft 14%, according to LowCards.com.

The issuer, Public Savings, says it will acquire anyone — there’s no acclaim analysis for approval. Plus, they address to all three above acclaim bureaus to advice you body your credit.

The one drawback: an anniversary fee of $50. But this is one of the alone fees cardholders will be hit with. Another is the $25 allegation to access or abatement your acclaim absolute afterwards a year, but this can be abhorred if you plan advanced and get the acclaim absolute you charge back you assurance up.

“So abounding added cards attach you with bags of added fees that you don’t alike apperceive about, but this one is absolutely aloof that $50 appropriate up front,” said Bill Hardekopf, acclaim agenda able and CEO of LowCards.com.

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