Credit Cards for Bad Credit

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
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert

Over 1,250,000 cardholders since 2005

As Seen In
  • CNN Money logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo
  • Forbes logo
  • CBS Marketwatch logo
Credit Card Calculators
PBS logo

Payoff | Balance Transfer

Credit Banner
Find Your Credit Score for Free
  • 100% Free Credit Score
  • Never Enter a Credit Card
  • Actively Manage Your Credit Health
Get Your Free Score Now
Calculator iconCredit Card Calculators
Pay Off Your Credit Card Balance

Estimate your monthly payments toward fully paying off credit card balances

Credit Card Payoff Calculator
Lower Interest Payments

Find out how much money in interest payments you can save by transferring an exisiting credit card balance to a lower interest rate credit card.

Balance Transfer Calculator
loader

Credit One® Visa® - No Deposit Required

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 80 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

1% on Gas & Grocery Purchases

Reports to Credit Bureaus

Build Credit When Used Responsibly

Regular Purchase APR

15.65% - 24.15% Variable

Annual Fees

$0-$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/Poor/Fair

Highlights

  • Click "APPLY NOW" to apply online
  • Automatic reviews for credit line increase opportunities
  • Get Pre-Qualified without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Pick your payment due date to fit your schedule
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month

Surge MasterCard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 84 Cardholder Reviews Over the Past 60 Days!

Build Credit

Monthly reporting to the three major credit bureaus

Worldwide Use

Use your card wherever MasterCard is accepted

Easy Application Process

All credit types welcome to apply

Annual Fees

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
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • 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

Capital One® Secured MasterCard®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 127 Cardholder Reviews Over the Past 60 Days!

Reports to Credit Bureaus

Build Credit When Used Responsibly

Minimum Deposit

$49, $99, or $200

Regular Purchase APR

24.99% (Variable)

Annual Fees

$0

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
  • 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

FingerHut Credit Account

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 118 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Decision in 60 Seconds

Reports to Credit Bureaus

Build Credit With Responsible Account Management

Credit Lines

Earn Access to More Credit with Responsible Credit Use

Annual Fees

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.

Milestone® Gold MasterCard®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 99 Cardholder Reviews Over the Past 60 Days!

MasterCard Gold Benefits

Accepted Worldwide and $0 Fraud Liability

Customize Your card

Choose a design from our premium gallery

Regular Purchase APR

23.9% variable

Annual Fees

$35-$99, depending on creditworthiness*

Credit Needed

 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

Get Your Free Score!
Average/Fair/Bad

Highlights

  • Click "APPLY NOW" to apply online
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access

Horizon Gold Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 65 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Decision in 60 Seconds

No Credit Checks

Applying Won't Negatively Impact Your Score

Reports to Credit Bureaus

Build Credit With Responsible Account Management

Annual Fees

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 

NetSpend® Visa® Prepaid Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.4/5.0 from 64 Cardholder Reviews Over the Past 60 Days!

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier

Prescription Discounts

Get up to 55% Off Prescriptions

Instant Approval

No Credit History Needed

Annual Fees

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.

Primor® Secured Visa Gold Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 94 Cardholder Reviews Over the Past 60 Days!

Monthly Credit Reporting

Reports to the Three Major Credit Bureaus

Rates & Fees

No Penatly Rate or Application Fees*

Low On-going Interest

9.99% APR*

Annual Fees

$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

Pink NetSpend® Visa® Prepaid Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 50 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Get Your Account Info Instantly

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier

Regular Purchase APR

N/A

Annual Fees

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/Limited/No History

Highlights

  • Click "APPLY NOW" to apply online
  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • No credit check needed - 100% Approval* (ID verification required).
  • No credit card debt or late fees because this is not a credit card.
  • Earn cash back for using your card with the NetSpend Payback Rewards program. Additionally, earn up to $20 for every friend you refer.
  • Get real time activity alerts to your mobile phone or use the Mobile App to manage your account while you're on the go (Message & data rates may apply).
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.

Bronze ACE™ Visa® Prepaid Debit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 53 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Get Your Account Info Instantly*

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier*

Access to Cash

Withdraw up to $300 a day with no fees*

Annual Fees

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/No Credit

Highlights

  • Click "APPLY NOW" to apply online
  • Mobile account access - available on GooglePlay and Apple App Store.
  • Earn up to 5% APY while you save in an optional savings account.*
  • 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.*
  • 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 cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*

CityScape ACE Elite™ Visa® Prepaid Debit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 63 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Get Your Account Info Instantly*

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier*

Access to Cash

Withdraw up to $300 a day with no fees*

Annual Fees

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/No Credit

Highlights

  • Click "APPLY NOW" to apply online
  • Earn up to 5% APY while you save in an optional savings account.*
  • 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 cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*

Pink ACE Elite™ Visa® Prepaid Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 67 Cardholder Reviews Over the Past 60 Days!

Instant Approval

Get Your Account Info Instantly*

Get Paid 2 Days Faster

Direct Deposit Allows you to Access Money 2 Days Earlier*

Access to Cash

Withdraw up to $300 a day with no fees*

Annual Fees

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
  • Official Sponsor of the National Breast Cancer Foundation (NBCF).
  • 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.
  • Always know your balance— by mobile app, email, or text message. Standard data rates apply.*
  • Earn cash back on your everyday purchases through Payback rewards — get special offers and account credits when you use them.*
  • Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.

Merit Platinum Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 62 Cardholder Reviews Over the Past 60 Days!

Reports to Credit Bureaus

Build your credit score with responsible use*

Guaranteed Approval

$500 limit with no credit check required*

Easy Application

Quick & easy online application with no fee*

Annual Fees

$24.95 Monthly Membership Fee

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
  • Guaranteed Approval*
  • No Employment Check
  • Fast Online Application
  • Reports to a Major Bureau
  • Always 0.0% APR

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Anna Winn

By: | Nov 18, 2015

are there any cards out there for bad credit that doesnt turn you down.

1 Reply

By: CompareCards | Nov 18, 2015

Hi Anna,

If you have bad credit, you best option is probably to apply for a secured credit card. A secured card works like a normal credit card, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use and on time payments, your credit score should increase significantly and you may be able to get approved for a better, unsecured card.

Picture of Lisa Witt

By: | Aug 31, 2015

Fingerhut is good but it takes a very long time to make sure you have the right order because a lot of times I will send it to you I would not send it to you and say they did and still charge you

Picture of Rocco Riehl

By: | Jun 10, 2015

This was a great big waste of my time. I couldn't get lucky for the life of me and now I have to wait 90 days to try again if it's worth it. If any one knows of a credit card so I can build credit please let me know. The interest rate doesn't matter. Thank you

1 Reply

By: Sondra Likeyouneverseenmebefore Watson | Jul 28, 2015

First Premier, Total Visa, and Credit One Bank.

Picture of William Mccarter

By: | May 22, 2015

I have a Total Credit Cad And i like what i have they show me how to get my credit back on track

2 Replies

By: Angela Edwards | Jun 20, 2015

Can you please tell me what credit card you have because every card i apply for i get denied thank you

By: Sondra Likeyouneverseenmebefore Watson | Jul 28, 2015

He is speaking of the Total Visa Card.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.