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Credit Cards»Credit Cards for Bad Credit

Credit Cards for Bad Credit

It can often be tough to build, rebuild or re-establish your credit history. But these credit cards for bad credit give you the opportunity to do all of those things. If you make on-time minimum payments with all of your creditors and keep your account balances low relative to the credit limit you may be able to build, rebuild or re-establish your credit history. Below you will find a mix of secured and unsecured credit cards and prepaid cards.

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    Capital One® Secured MasterCard®
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
    • Easily manage your account 24/7 with online access, by phone, or using our mobile app
    • It's a credit card accepted at millions of locations worldwide
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99% (Variable)
    $0
    Bad Credit
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    First PREMIER® Bank MasterCard® Credit Card
    • Checking Account Required
    • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
    • Reports to the major Consumer Reporting Agencies.
    • Easy Application process!
    • Pay no interest on purchases by paying your balance in full each month
    • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
    • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
    • Top 20 Issuer of MasterCard Credit Cards
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Issuer Website
    See Issuer Website
    Fair/Bad Credit
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    First National Bank Secured Visa Card
    • Your stepping stone to credit that can grow with you.
    • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
    • How you use your card will reflect on your credit rating with the three major credit bureaus.
    • There is no charge for receiving your FICO® 8 Bankcard Score.
    • You could qualify for additional unsecured credit — without sending an additional deposit — in as few as 7 months.
    • As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
    • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    N/A
    Intro APR
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    Intro APR Period
    20.99% (Variable)
    $29
    N/A
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    Credit One® Unsecured Visa® Card
    • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
    • See if you're Pre-Qualified in less than 60 seconds.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
    • Pick your payment due date to fit your schedule.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    N/A
    Intro APR
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    15.65% - 24.15% Variable
    $0 - $99
    Bad Credit
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    Surge MasterCard® Credit Card
    • Initial Credit Limit of $500.00* (subject to available credit)
    • Monthly reporting to the three major credit bureaus
    • All credit types welcome to apply!
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere that MasterCard® is accepted
    • Free online account access 24/7
    • Checking Account Required
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR
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    See Terms
    See Terms
    Bad Credit
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    Credit One Bank® Cash Back Rewards
    • Get Pre-Qualified without harming your credit score.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking.
    • And, you could receive credit line increase opportunities.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.65% - 24.15% Variable
    $0 - $99
    Bad Credit
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    First PREMIER® Bank Credit Card
    • Must have checking account to qualify.
    • Apply today, and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges)
    • Monthly reporting to the major Consumer Reporting Agencies.
    • Issued by FDIC-insured First PREMIER® Bank.
    • Trying to rebuild your credit history? You may if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
    • Top 20 Issuer of MasterCard Credit Cards
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
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    See Issuer Website
    See Issuer Website
    Fair/Bad Credit
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    Credit One Bank® Platinum Card
    • Get Pre-Qualified without affecting your credit score
    • This is a fully unsecured credit card with no deposit requirement
    • Automatic reviews for credit line increase opportunities
    • Free online monthly credit score tracking included
    • 1% cash back on gas & groceries, terms apply
    • Zero fraud liability protects you from unauthorized charges
    • Email or text alerts to remind you when your payment is due
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.65% - 24.15% Variable
    $0 - $99
    Bad Credit
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    Total VISA® Unsecured Credit Card
    • Checking account required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a processing fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
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    Intro APR Period
    29.99% (Fixed)
    $75.00 for the first year, $48 annually after that
    Fair/Bad Credit
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    OpenSky® Secured Visa® Credit Card
    • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
    • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
    • Security deposit needs to be submitted before the credit card can be issued.
    • No credit check necessary and no checking account required; apply in less than 5 minutes
    • Extra credit when you need it, increase your credit line up to $5000 in your first year*
    • Access to online financial education.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
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    Intro APR
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    17.64% (Variable)
    $35
    No Credit Check
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    Credit One Bank® Platinum Visa®
    • This is a fully unsecured credit card with no deposit requirement.
    • Automatic reviews for credit line increase opportunities
    • Get Pre-Qualified without harming your credit score
    • Earn 1% cash back on gas and grocery purchases, terms apply
    • Pick your payment due date to fit your schedule
    • Free online monthly credit score tracking included
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    N/A
    Intro APR
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    15.65% - 24.15% Variable
    $0 - $99
    Bad Credit
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    First Progress Platinum Prestige MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
    • We can approve you at any credit score, no minimum required.
    • No processing or application fees required.
    • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR
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    11.99% (Variable)
    $44
    Bad Credit
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    The First Access VISA® Credit Card
    • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won't
    • Easy and secure online application; checking account required.
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Online Customer Center available 24 x 7
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    N/A
    Intro APR
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    29.99%
    $75.00 for first year After that, $48.00 annually.
    Bad Credit
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    Horizon Gold Card
    • Reports to major credit bureau
    • Fast online approval
    • Unsecured credit limit
    • No credit check
    • No employment check
    • $500 initial credit line
    • 0% APR
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0.00%
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
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    0% (Fixed)
    $24.95 benefits plan membership will be auto-debited monthly
    Bad Credit
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    UNITY® Visa Secured Credit Card - The Comeback Card™
    • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between 1/15/16 - 3/31/16 and accounts must be in good standing for 90 days after opening.
    • Apply online in less than 5 minutes, and you could be approved today!
    • No Minimum Credit Score required; low interest rate of 17.99%
    • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
    • No application fee or penalty rate
    • Build your credit with monthly reporting to all 3 major credit bureaus
    • 24/7 online access to your account
    • *See the Cardholder Agreement for more details.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
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    Intro APR Period
    9.95%
    Intro APR
    6 months
    Intro APR Period
    17.99% (Fixed)
    $39
    Bad Credit
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    UNITY® Visa Secured Credit Card - The Comeback Card™
    • No Minimum Credit Score required; low interest rate of 17.99%
    • Apply online in less than 5 minutes, and you could be approved today!
    • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
    • No application fee or penalty rate
    • Build your credit with monthly reporting to all 3 major credit bureaus
    • 24/7 online access to your account
    • Good for car rental, hotels; anywhere credit cards are accepted!
    • *See the UNITY Visa Secured Credit Card Cardholder Agreement for more details.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.95%
    Intro APR
    6 months
    Intro APR Period
    17.99% (Fixed)
    $39
    Bad Credit
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    USAA Secured Card® Platinum Visa®
    • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.15%-20.15% (Variable)
    $35
    Bad Credit
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    First Progress Platinum Elite MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
    • 24/7 Online Access to Your Account
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    19.99% (Variable)
    $29
    Bad Credit
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    USAA Secured Card® American Express® Card
    • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
    • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
    • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
    • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
    • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
    • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.15%-20.15% (Variable)
    $35
    Bad Credit
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    The Secured Visa® from Merrick Bank
    • Get your FICO® Score every month at no charge.
    • Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
    • No Processing or application fees.
    • You determine your credit line - up to $3,000
    • Easy funding options - We have several convenient options to easily submit your security deposits
    • Worldwide acceptance - Use it anywhere Visa is accepted.
    • Easy application - apply online today!
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.70% (Variable)
    $36
    Bad Credit
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    First Progress Platinum Select MasterCard® Secured Credit Card
    • Fund your new MasterCard® secured credit card with your tax refund today!
    • Receive Your Card More Quickly with New Expedited Processing Option
    • No Credit History or Minimum Credit Score Required for Approval
    • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
    • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
    • 24/7 Online Access to Your Account
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    14.99% (Variable)
    $39
    Bad Credit
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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