Worst Credit Cards of 2015 (according to CardHub)

Trick or Treat? Halloween is full of fun and fright for adults and kids alike. We all love a good scare, but when we think about finances, we are all a little more bad scared than good scared. In the spirit of Halloween, the experts at CardHub compared over 1,000 credit cards to determine the scariest credit card offers on the market, the Worst Credit Cards of 2015, and help credit consumers avoid sacrificing hundreds of dollars in value when choosing their credit options.

You can find a few of these credit card tricks listed below, along with their tasty treat counterparts. For the full list, plus 6 Tips for Avoiding a Scary Credit Card, visit: http://www.cardhub.com/worst-credit–cards/

Rewards

• Trick: UBS Preferred Visa Signature Credit Card – $495 annual fee in return for a $113 initial bonus and 1-3 points per $1 spent.
• Treat: Barclaycard Arrival Plus Credit Card – $89 annual fee (waived for the first year) in exchange for a $400 initial bonus and the miles-equivalent of 2.1% cash back on all purchases.

Big-Ticket Purchases (Financing)

• Trick: Toyota Credit Card – 3.99% introductory rate on new purchases for the first six months and a regular APR of 12.99% to 22.99%.
• Treat: Citi Diamond Preferred Card – 0% on new purchases for 21 months.

Balance Transfers

• Trick: Royals Credit Card – 3.99% introductory balance transfer APR for 6 months, 5% balance transfer fee and 14.24% to 20.24% regular APR.
• Treat: Slate Card from Chase – 0% on balance transfers for 15 months and no balance transfer fee.

Rebuilding From Bad Credit

• Trick: First Premier Bank Gold Credit Card – $95 processing fee prior to account opening, $75 annual fee during the first year, $120 in annualized membership fees in each subsequent year, a 25% fee for any credit limit increase, and a 36% interest rate.
• Treat: Harley-Davidson Secured Credit Card – No annual fee secured credit card can be free to use and earns you 1 point per $1 spent. Users are also eligible for a sign-up bonus certificate of $10.

Did you have another trick, treat, or scam you came across? We would love to hear about your experience, good or bad, with a lender or credit card company. Check out some of our choice lenders on our Credit Cards for people with Bad Credit page.