Credit Cards for Bad Credit

3.1 - 127 reviews for top rated card

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Credit Cards for Bad Credit – Bad Credit Credit Cards
  • Easily compare bad credit credit cards from our partners, and find credit cards for people with bad credit
  • Independent ratings and reviews of credit cards for bad credit scores
  • Secure online application process
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Your Rating:

3.3/5.0 from 38 Cardholder Reviews

 
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Regular Purchase APR

22.9% (V)

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 22.9% (V)
Annual Fee: $29
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Limited/Bad

Highlights

  • Unlike a prepaid card, it builds credit when used responsibly
  • 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—no additional deposit required
  • It’s a credit card—accepted at millions of locations worldwide 
  • Easily manage your account 24/7 with online access,  by phone or using our mobile app
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Your Rating:

2.7/5.0 from 31 Cardholder Reviews

 
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Regular Purchase APR

N/A

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: N/A
Annual Fee: See Terms*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Reports to major credit bureau
  • Must have active debit card or credit card to qualify
  • Unsecured credit line
  • No credit checks
  • No employment check
  • Card can only be used for shopping at thehorizonoutlet.com 
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Your Rating:

3.1/5.0 from 127 Cardholder Reviews

 
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Regular Purchase APR

17.9% - 23.9% (Variable)*

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 17.9% - 23.9% (Variable)*
Annual Fee: $35-99
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Unlimited 1% cash back gas rewards 
  • Get Pre-Qualified for a Platinum Visa credit card
  • Automatic reviews for credit line increase opportunities
  • Zero fraud liability protects you from unauthorized charges
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Your Rating:

2.7/5.0 from 12 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

N/A*

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: N/A*
Annual Fee: N/A*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Free credit scores & credit monitoring
  • Real-time transactions & notifications
  • Always free-No credit cards needed to open an account
  • Receive your Car Insurance score and Vantage score for free
  • Receive specialized recommendations based on your credit profile
  • 5 financial tools, free to use
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Your Rating:

3.2/5.0 from 56 Cardholder Reviews

 
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Regular Purchase APR

11.99% (Variable)

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 11.99% (Variable)
Annual Fee: $44
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • 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 $300 -- $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
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
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Your Rating:

3.2/5.0 from 13 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

N/A*

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: N/A*
Annual Fee: N/A*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Check daily for better loans and credit options so you never miss an opportunity to save
  • Helps you understand, manage and improve your credit and debt
  • Provides you with your free credit score and no credit card is required
  • Free monitoring of your credit score and credit worthiness each month
  • Delivers unbiased advice that best suits your financial situation and saves you money
  • Get an analysis of your existing credit and loans
  • Pre-qualify for new mortgages, loans and credit cards
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  • star rating 5
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Your Rating:

3.2/5.0 from 19 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

N/A

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: N/A
Annual Fee: None
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Get paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday. 
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • $10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service. 
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Your Rating:

3.6/5.0 from 9 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

N/A*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: N/A*
Annual Fee: See Terms*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Enroll in direct deposit today - receive your account number immediately.
  • Need your money before payday? Get paid up to 2 days faster with direct deposit.*
  • Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Transfer money to another ACE Elite cardholder with no fee.*
  • Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
  • Earn up to 5% APY while you save in an optional savings account.*
  • Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
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  • star rating 1
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  • star rating 5
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Your Rating:

2.9/5.0 from 15 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

19.99%*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 19.99%*
Annual Fee: $29
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • 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 $300 -- $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
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
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  • star rating 1
  • star rating 2
  • star rating 3
  • star rating 4
  • star rating 5
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.7/5.0 from 11 Cardholder Reviews

 
Apply Now

Apply Securely

Regular Purchase APR

17.5%

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 17.5%
Annual Fee: $29
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Build Your Credit with our monthly reporting to all 3 credit bureaus
  • Control Your Finances, start with a security deposit and credit line as low as $200 
  • Apply in less than 5 minutes, No credit check necessary
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month. 
  • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval)
  • Easy funding options, with 4 ways to fund and No checking account needed
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  • star rating 1
  • star rating 2
  • star rating 3
  • star rating 4
  • star rating 5
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.3/5.0 from 12 Cardholder Reviews

 
Apply Now

Apply Securely

Regular Purchase APR

14.99%*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 14.99%*
Annual Fee: $39
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • 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 $300 -- $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
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • *See Card Terms
ribbon
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  • star rating 1
  • star rating 2
  • star rating 3
  • star rating 4
  • star rating 5
styling arrow

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.6/5.0 from 8 Cardholder Reviews

 
Apply Now

Apply Securely

Regular Purchase APR

N/A

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: N/A
Annual Fee: See Terms*
Credit Needed:
 
Bad Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Get Paid up to 2 days faster with direct deposit - payroll and government benefits
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
 
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Updated on

Credit Cards for Bad Credit History

So called “bad credit” credit cards are especially designed credit cards for people with bad credit, low credit, or no credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with  limited scrutiny of your finances, debts, and poor credit history.

Some bad credit credit cards require that the cardholder make a payment deposit into their card account which is then used as collateral or security against any charges to the card. This is a standard prepayment process, and you basically set your own credit limit based on how much money you keep in your account. But there are even some that require no security deposit or prepayment – although these cards usually make money from cardholders by charging high interest rates and fees due to the reduced creditworthiness of the cardholder.

For most people, the best credit card for bad credit will be one that charges reasonable fees in exchange for helpful features like online bill paying and financial management tools. Study the menu of fees to see how much you can expect to pay for using the card in the way to which you are accustomed. Another key fact area to consider will be whether or not the credit card company reports to the major credit bureaus on a regular basis. This type of regular reporting is the major building block toward credit report. After taking these aspects into consideration, pick a card that suits you and use it to build up your poor credit score by making on-time payments with all creditors and keeping account balances low relative to the credit limit. This may allow you to later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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