Credit Cards for Bad Credit

3.2 - 645 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:

2.4/5.0 from 16 Cardholder Reviews

 
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Regular Purchase APR

See Terms*

Sign Up Offer

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

Ongoing Information

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

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • Get $25 off $100 - USE Promo Code NC568. Exp. 2/28/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
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Your Rating:

3.2/5.0 from 122 Cardholder Reviews

 
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or call888-909-5733

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Regular Purchase APR

22.9% (Variable)

Sign Up Offer

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

Ongoing Information

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

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

Get Your Free Score!
Limited/Bad

Highlights

  • Click "APPLY NOW" to apply online or call 888-909-5733
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
  • 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
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Your Rating:

3.2/5.0 from 645 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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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:

2.5/5.0 from 116 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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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:

2.9/5.0 from 52 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: N/A*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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 162 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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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:

3.0/5.0 from 40 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: N/A*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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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Your Rating:

3.0/5.0 from 46 Cardholder Reviews

 
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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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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:

3.0/5.0 from 33 Cardholder Reviews

 
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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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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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Your Rating:

3.0/5.0 from 37 Cardholder Reviews

 
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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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • 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:

3.4/5.0 from 18 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 credit score of 599 or Lower.

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get Your paycheck and tax refund faster with direct deposit
  • 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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Your Rating:

3.0/5.0 from 8 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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Approval upon successful ID verification.1 No credit check.9 or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Your Rating:

4.0/5.0 from 6 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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Get your government benefits up to two days early with Direct Deposit*. Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit*.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy*. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Thanks for rating!

Your Rating:

3.5/5.0 from 11 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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Get your government benefits up to two days early with Direct Deposit*. Certain restrictions apply. See card site for details.
  • Approval upon successful ID verification*. No credit check* or minimum balance required.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen*. See card site for details.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.0/5.0 from 6 Cardholder Reviews

 
Apply Now

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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Get your government benefits up to two days early with Direct Deposit*. Certain restrictions apply. See card site for details.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen*. See card site for details.
  • Real time activity alerts sent to your mobile phone via text or email*. Standard text message and data rates, fees, and charges may apply.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy*. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 6 Cardholder Reviews

 
Apply Now

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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit*.
  • Enroll in Direct Deposit and get your pay up to two days early*. Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.6/5.0 from 5 Cardholder Reviews

 
Apply Now

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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Get your government benefits up to two days early with Direct Deposit*. Certain restrictions apply. See card site for details.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy*. See card site for details.
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
  • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.6/5.0 from 5 Cardholder Reviews

 
Apply Now

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: See Terms*
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Get $20 when you Direct Deposit your tax return to your RushCard*
  • Get your government benefits up to two days early with Direct Deposit*. Certain restrictions apply. See card site for details.
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
  • Approval upon successful ID verification*. No credit check* or minimum balance required.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
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Thanks for rating!

Your Rating:

2.3/5.0 from 3 Cardholder Reviews

 
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Regular Purchase APR

9.99%

Sign Up Offer

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

Ongoing Information

Regular Purchase APR: 9.99%
Annual Fee: $49
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Fast, easy application process
  • No processing or application fees!
  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Guaranteed approval* As long as your monthly income exceeds your monthly expenses by $100 or more!*
  • *See application for additional details
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Your Rating:

2.3/5.0 from 4 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

29.99%

Sign Up Offer

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

Ongoing Information

Regular Purchase APR: 29.99%
Annual Fee: $75 for first year, then $48 annually
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Fast and easy application process
  • 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
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.4/5.0 from 8 Cardholder Reviews

 
Apply Now

Apply Securely

Regular Purchase APR

17.99%

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: 9.95% for 6 months

Ongoing Information

Regular Purchase APR: 17.99%
Annual Fee: $39
Credit Needed:
 
Bad Credit

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

Get Your Free Score!
Bad

Highlights

  • Click "APPLY NOW" to apply online
  • A secured credit card to help rebuild your credit
  • Monthly reporting to all 3 major credit bureaus
  • Credit line secured by FDIC insured fully refundable deposit of $250-$10,000 submitted with application
  • Low, fixed interest rate (not variable)
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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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