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Search results: 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.

AccountNow™ Prepaid MasterCard®



    • Build your credit with the new iAdvance loan option(SM)
    • Instant Guaranteed Approval* – no credit check, no security deposit
    • $0 ACTIVATION FEE – when you load your card by direct deposit
    • Free Direct Deposit – no more check cashing fees
    • Free Online Bill Pay – no need for expensive money orders
    • Free Credit Builder† – bill pay transactions are reported to PRBC®
    • No Overdraft Fees – no minimum balance required
    • Reloadable - $10,000 balance limit

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

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

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

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

Baby Phat Prepaid Visa® RushCard



    • Show your style with the BabyPhat RushCard
    • Guaranteed approval*
    • No Credit Check
    • Free Direct Deposit of pay, tax refund, anticipation loans
    • No Overdraft Fees/ No Check Fees/ No Interest Fees
    • Free Credit Builder
    • 56% of cardholders save over $300/ year using the RushCard
    • Make money with our Refer A Friend Program
    • Reloadable with a $10,000 maximum balance
    • Free Email/ SMS Alerts

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
* * * 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

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® Secured Credit Card



    • The Right Credit Card for those with less than perfect credit
    • Free Access to online Credit Monitoring for the first 30 days
    • Reports monthly to the major consumer reporting agencies
    • Available Credit Protection

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

Current by Discover



    • Debit Card for Teens with built-in parental controls
    • Set daily, weekly, and monthly spending limits
    • Restrict teen card use in unwanted shopping categories (e.g. liquor stores, tobacco stores, hotels, etc.)
    • Free Direct Deposit for parents & teens
    • Free deposits from any credit card or bank account
    • $0 fraud liability guarantee
    • Withdraw cash at ATMs
    • Get exclusive discounts at teen's favorite merchants
    • Free e-mail and text message activity alerts
    • No minimum balances, loading fees, or credit check
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
* * * $50* No Bad

Facecard prepaid MasterCard®



    • Instant Guaranteed Approval* - no credit check, no security deposit
    • Free Direct Deposit - easy access to your funds
    • Free Online Bill pay - no more mailing costly money orders.
    • Free Money Transfers to other Facecard members - no more spending money on wire transfers.
    • Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
    • Receive Prewards, which are like coupons, put directly on your card.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
* * * N/A* 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 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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