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Search results: Cards for Bad Credit

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!
Below you will find a listing of some of the most popular credit cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

First PREMIER® Bank Gold Credit Card



    • Low fixed APR
    • Your account history reports monthly to the major Consumer Reporting Agencies
    • Convenient account access by phone available 24/7
    • Use your card everywhere MasterCard®/Visa® cards are accepted (subject to available credit)
    • This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms See Terms See Terms See Terms No Poor

Aventium® Credit Card



    • An attractive fixed APR
    • Reports monthly to the major Consumer Reporting Agencies
    • Access your account by phone any time, day or night
    • There is no universal default on your Aventium card
    • This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms See Terms See Terms See Terms No Poor

Applied Bank® Secured Visa® Gold Card



    • 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
    • CHOOSE Your Credit Limit Up To $5,000*
    • $0 Fraud Liability
    • NO Credit Requirements
    • NO Income Requirements
    • ACCEPTED at 27 Million Locations Worldwide and Online
    • CREDIT Bureau Reporting
    • *Minimum $200 Deposit Required. Your Credit Limit Will Be Equal to the Amount of Your Deposit.
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A N/A 9.99% $50 No Poor

Centennial® Gold Credit Card



    • Know your application response in 60 seconds
    • Enjoy a low, fixed APR
    • Reports monthly to the major Consumer Reporting Agencies
    • Access your account 24 hours a day by phone
    • This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms See Terms See Terms See Terms No Poor

Centennial® Credit Card



    • We offer a very attractive fixed APR
    • Your account history reports monthly to the major Consumer Reporting Agencies
    • 24-hour account access by phone
    • Apply for a nationally recognized credit card
    • The application process is safe, secure and fast
    • This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms See Terms See Terms See Terms No Poor

Platinum Zero™ Secured Visa® Credit Card



    • ZERO - 0% FIXED APR on Purchases - No Intro Rates!
    • ZERO - 0% Rate Won’t Change - Even If You’re Late!
    • ZERO Turn Downs - Guaranteed Approval*
    • ZERO Credit and Income Requirements
    • ZERO Application Fees
    • ZERO Hassles - Just Choose Your Credit Limit Up To $5,000*
    • ZERO Worries - FREE Personal ID Theft Protection
    • ZERO Delays - Timely CREDIT Bureau Reporting!
      *Requires identity and residence verification and minimum deposit amount of $500 up to $5,000.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% N/A 0% See Terms* No Poor

First PREMIER® Bank Credit Card



    • Apply for a Visa® or MasterCard® card with a low fixed APR
    • After 6 months, request a credit limit increase
    • First PREMIER Bank reports monthly to the major Consumer Reporting Agencies
    • The application process is quick and simple
    • Access your account by phone 24 hours a day
    • This offer may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms See Terms See Terms See Terms No Poor

First Option Visa®



    • Get a REAL Visa® Credit Card!
    • Up to $5,000.00 Secured Line of Credit!!
    • Be Approved Regardless of Credit History or Income!!!
    • Guaranteed Approval!

      • Apply Today!
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A N/A N/A $59 No Bad

Public Savings Bank Secured Card



    • 0% APR on purchases for 6 months
    • No annual fee
    • Your income, employment and credit are not factors!
    • We report to all 3 major credit bureaus
    • Lifetime credit lines up to $10,000
    • 25 day grace period
    • Use the card everywhere you see the visa/mastercard logo

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% 6 months 11.24% none No Bad

Applied Bank® Secured Visa® Credit Card



    • 9.99% Low Fixed APR - Rate Won't Change Even If You're Late!
    • CHOOSE Your Credit Limit Up To $5,000*
    • $0 Fraud Liability
    • NO Credit Requirements
    • NO Income Requirements
    • ACCEPTED Worldwide at Millions of Locations
    • CREDIT Bureau Reporting

    *Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A N/A 9.99% $50 No Poor

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Definitions
Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Intro APR: The initial interest rate that is charged for a specified period of time.

Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rate with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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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Other Cards for Bad Credit

Institution APR Fees & Conditions
Digital FCU 8.90 More information
Amalgamated Bank of Chicago 9.25 More information
9.90 More information
9.90 More information
Municipal CU 10.90 More information
About this table
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About this index
Credit Card Averages
Product Rate
Balance Transfer Cards 14.58%
Cash Back Cards 14.73%
All Variable 11.68%
Low Interest Cards 9.75%
Compare rates:  
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