Review

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. Additionally, you'll be required to make an initial payment of $40.00 in order to activate and use your account. The total amount of standard fees (not including penalty or default fees) is $455 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.