The Tribute Credit Card is a sub prime unsecured card. Often this card is used to re-establish a damaged credit score.



This card is issued by the First Bank of Delaware. This bank has been in the sub prime lending business for years.

Your card will help to increase your score. This is because with on time monthly payments you will create a positive payment history on your credit.

This factor is heavily weighted when your score is being calculated. In addition it will improve your ratio of available credit to debt. This ratio is how the bureaus decide if you are in over your head or can afford the new credit line.

Your APR will be 19.5% this is standard among sub prime lenders. You will have to pay an annual fee with this card; however every bad credit card has an annual fee.

This card will report monthly to all three major credit bureaus. You initial credit limit will be $300.

The First Bank of Delaware is committed to helping consumers so they have created an additional Tribute MasterCard for those with a very low score. When this card is issued instead of a $300 credit limit it comes with a $70 credit limit.

It will still report to the bureaus and the limit can increase to $300 with responsible use. There are no finance charges and no account set up fees.

There have easy approval requirements and no minimum income for this card. You will have free online account access and there is no application fee.

Your card will be eligible for limit increases up to a maximum of $2000. When you apply you will know if you have been approved within 30 seconds of submitting your application.

You should also know to get the most benefit on your credit with this card you should aim to keep the balance at roughly 20% of your credit limit. This will help your score because it shows you are in fact using your card and using it responsibly.

In sum if you need a second chance with credit then we do suggest the Tribute MasterCard. It can help your score by improving your available credit to debt and creating a positive payment history.