Do you have bad credit or no credit at all? Do you still need a credit card to help improve your credit report? Don’t worry. There are several companies that offer credit cards to people with less than perfect credit. If you don’t have perfect credit, but need a credit card, check these out.

1. Orchard Bank Classic MasterCard. If you are notorious for making late payments, this is the card for you. You can get emails and text messages to remind you about upcoming payments. Transactions are also updated so you can keep track of your account 24 hours a day, 7 days a week.

2. Tribute Gold MasterCard. Designed for people with bad credit. You’ll pay a slightly higher interest rate, but this card will help you get back on track. You’ll also be approved in a matter of minutes.

3. Vision Premier Prepaid Visa. Do you think that there is no way you can get a credit card with a credit report like yours? Get this card if you are worried. There is no credit check or bank account needed with this card. The prepaid credit card is the perfect way to give you good credit card habits before getting a different card.

4. Applied Bank Secured Visa. This card has it all. You’ll get a rate of 9.99% APR. Guess what? The rate won’t even change if your late on a payment. You get to choose your credit limit up to $5,000, with a minimum deposit of $200. There is no credit requirement. It gets even better…this card reports to the credit bureaus. This card is perfect for helping you build your credit.

5. Access Visa. You’ll get a quick decision when applying for this card. If you have bad credit or no credit, you need to give this card a try. It also reports to the credit bureaus.

It isn’t a problem to have bad credit or no credit anymore. Lenders are becoming more willing to lend to people just like you. These cards are designed to help you get back on your feet. Give these cards a try and see your credit improve.

American Express is one of the nation’s leading credit card companies. Customers are extremely satisfied with the services that American Express has to offer. American Express ranks the highest in customer satisfaction (JD Power, 2008) out of all of the major credit card companies.

American Express Preferred Rewards Gold

No matter what type of credit card you are looking for, American Express is sure to have the right card for you. The American Express Gold Rewards credit card has been a customer favorite for a long time. The Gold Reward program is a special type of reward program. You can join this exclusive program without an annual fee for the first year.

Customers say that the Gold Rewards program is fast, flexible and extremely easy to use. The program lets choose from over 21 different airlines when you redeem your travel rewards. The AMEX Gold Reward program also hosts a number of Gold Card Events. These events are only available to Gold Reward members. You can get exclusive deals for shows, sporting events, concerts and more.

Every time you use your Gold Rewards card, you accumulate points. For every dollar you spend (using your AMEX Gold Rewards card), you earn 1 Membership Rewards point. You don’t have to worry about using your points by a certain date. There is no expiration date or limit to the number of points you can earn. If you want exclusive deals on many different services and products, join the American Express Gold Rewards program today.

American Express Preferred Rewards Green

The American Express Green Rewards credit card’s reward program still offers the same great customer service but with different rewards. You can earn a 10,000 Membership Rewards bonus if you spend just $500 in your first three months of being a Green Rewards member. You can redeem this bonus for up to $100 in gift cards from major retailers, entertainment partners and restaurants nationwide.

Just like the Gold Rewards program, you still have the option of redeeming your points for travel rewards. You can still choose from over 21 different airlines to make your travel experience unique. You even have the option of transferring your points into 17 different frequent flier programs. Every point you transfer is equal to 1 frequent flier mile. Earn 1 Membership point for every dollar you spend using your Green Rewards card.

You can get an added buyer protection service that allows your credit to be better protected. American Express offers unbeatable customer service and outstanding rewards programs. If you want to be a member of the #1 exclusive rewards program, join the Gold Rewards program. If you don’t care about the Gold Card Events, but still want to benefits of a great American Express card, sign up for a Green Reward card today. Either way, your credit card needs are sure to be met by American Express.

It is hard to believe that the holidays are just around the corner - big meals, great parties, gaining a few pounds and cash back bonuses from Discover Card. If you want to stretch your holiday spending a little further this year or if you have been thinking about getting a Discover credit card, now is the time to apply. Discover Card is offering a double cash back bonus at grocery stores on several cards and a cash back bonus at over 160 mall locations throughout the US.

Double Cashback Bonus at Grocery Stores

Earn Double Cashback on grocery stores purchases starting November 1st through December 31st, 2008.  That means you earn 2% cash back on your first $1,000 in grocery store purchases. Get your Cashback Bonus on any of these cards when you apply for the Miles by Discover Card, Discover Motiva Card, Discover Open Road Card or the Discover Student Open Road Card. You can also earn 5% to 20% cash back through Discover Card’s exclusive shopping website featuring top online retailers. Using any of the Discover More cards earns 5% cash back at grocery stores through December.

Cashback Bonus at over 160 US Mall Locations

Check Discover’s list of particpating mallsto search over 160 US mall locations to earn a Cashback Bonus when you shop. Spend $200 on any Discover credit card to earn a $20 Discover gift card - a 10% bonus. To get your Discover gift card, take the original sales receipts to your mall location’s customer service desk by 01/04/2009. Supplies are limited, so get there early.

Saving money this holiday season is made easier with Discover Card, the largest provider of 5% cash back credit cards. Get the full terms and conditions of each offer when you apply online.

Now Capital One and Orbitz have more in common than just silly commercials. The two companies have partnered up to offer credit card holders the opportunity to earn incentives towards free flights, merchandise and cash rewards. The Capital One Orbitz credit cards let cardholders earn points on every purchase they make with additional points available on all eligible Orbitz.com travel, hotel and vacation purchases. Capital One has a credit card available for those with an excellent, good or average credit history. See below for details and to apply online.

Capital One® Orbitz® Visa® Signature

Capital One® Orbitz® Visa® Platinum - Good Credit

Capital One® Orbitz® Visa® Platinum

There is a Capital One Orbitz credit card for just about everyone. Earn points with no restrictions or limits on the amount you can earn. Get ready for more with Capital One and Orbitz.

Advanta has made it their business to service the financial and credit needs of small businesses. They are commited to providing the financial products small businesses need and demand. To meet the ever-changing needs of businesses, Advanta has introduced four new business credit cards that build and improve on the predecessors. Read details on each new card below.

Advanta Platinum BusinessCard with Unlimited Rewards

The Advanta business credit card, formerly known as the Advanta Platinum BusinessCard with Rewards, now gives businesses the opportunity to earn unlimited rewards. This replaces the previous reward program which featured reward points based on several tiers.

Advanta Customizable Platinum BusinessCard with Unlimited Rewards

This customizable credit card lets you do more than just add your business name to the top of the card. Add your business name and logo to the card to show off your business every time you use the card. This card also now features the Unlimited Rewards program for an easy and simple way to earn rewards for your business.

Advanta Platinum 90-Day Interest Free BusinessCard

Any business can use the additional help of more cash flow. Sometimes the money doesn’t always come in when the bills are due. This new card from Advanta replaces the Life-of-Balance card and can help your cash flow situation by not having to pay any interest on new purchases for 90 days. It’s not an introductory offer either - it’s available on every new purchase.

Advanta Business World MasterCard

This new card offers a whooping 50% bonus on all the points you and your business earn each year. Earn points towards travel, gift certificates and merchandise all with no limit or restrictions. Get all this with no annual fee.

To get more information or to apply for any of the new Advanta business credit cards, click on the card’s corresponding image.