Imagine gold card is great because everyone is approved, as long as you live in a state that offers the card, (you cant be in like 4 states, see the terms on their site) it comes in two starting CL; 70 with 15 annual fee, and 300 with 150 annual fee. The fee is ridiculous, but you can pay it over a full year in monthly payments, and it's a quick application. The interest is high also, 19.5%, so try not to charge what you cant pay for. They pull Equifax only. I applied on 7/20, immediate approval. I payed the $5.00 fee to open an account 7/21. I got an email Monday saying they mailed the card. I got the paperwork with account numbers and balance and terms yesterday & my card should be here today or tomorrow. They do frequent CLI. I got the $300.00 unsecured. Reports to all three bureaus.
Orchard bank is kind of annoying, they hold the check for the processing fee for two weeks, before they can open the account. I got approved for the Orchard Bank Silver MasterCard , no set up/ processing fee, but had to pay annual fee to get the card. Annual fee is $49, I got CL $500 no monthly fees, 14% apr. Who freaking knows when the card will come, they move at a snail's pace.
Eventually you want to be at a point where you can apply for a card that has no fees like annual fee, or monthly fees, or processing fees, or high interest.
I need to get up like 100 pts before I can get even half of those things.