Credit Cards for Bad Credit

Credit Cards for Bad Credit – Bad Credit Credit Cards
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Credit One Bank® Visa® - No Deposit Required

 

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Your Rating:

3.7/5.0 from 36 Offer Ratings
Over the Past 60 Days!

Rewards Rate

1% on gas and grocery purchases, terms apply

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
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • 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
  • Email or text alerts to remind you when your payment it due

Capital One® Secured MasterCard®

 

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Your Rating:

3.9/5.0 from 20 Offer Ratings
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
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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

Surge MasterCard® Credit Card

 

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Your Rating:

3.7/5.0 from 20 Offer Ratings
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

Discover it® Secured Credit Card - No Annual Fee

 

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Your Rating:

4.3/5.0 from 43 Offer Ratings
Over the Past 60 Days!

Cash Back Rewards

2% at restaurants & gas stations, 1% on everything else*

Credit Limit

Credit line will equal your security deposit of $200 or more*

Rates and Fees

No annual fee, no late fee on your first late payment. No penalty APR*

Annual Fees

$0

Credit Needed

 
Fair Credit

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

Get Your Free Score!
Fair/New to Credit

Highlights

  • No annual fee. No late fee on your first late payment. Paying late won't raise your APR.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
  • Your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).
  • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your Discover card benefits.
  • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.
  • FICO® Credit Score for free on monthly statements & online.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

FingerHut Credit Account

 

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Your Rating:

3.1/5.0 from 7 Offer Ratings
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.

Indigo® Platinum MasterCard®

 

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Your Rating:

3.1/5.0 from 15 Offer Ratings
Over the Past 60 Days!

Easy Pre-qualification

Check if you're approved with no impact on your credit score*

Custom Card Design

Choose your own customized image for your card*

Reports to Credit Bureaus

Build credit when used responsibly*

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

Highlights

  • Click "APPLY NOW" to apply online
  • Previous bankruptcy OK
  • Choose your card design - Free
  • Pre-qualification available with no impact to your credit score 
  • Fast and easy instant decision
  • Free online account access (mobile friendly)
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
  • Accepted at over 35 Million Locations Worldwide!

Horizon Gold Card

 

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Your Rating:

3.4/5.0 from 8 Offer Ratings
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 

Primor® Secured Visa Gold Card

 

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Thanks for rating!

Your Rating:

3.3/5.0 from 8 Offer Ratings
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

Bronze ACE™ Visa® Prepaid Debit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

0.0/5.0 from 0 Offer Rating
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:

3.0/5.0 from 1 Offer Rating
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:

3.0/5.0 from 3 Offer Ratings
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

 

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Thanks for rating!

Your Rating:

3.4/5.0 from 8 Offer Ratings
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

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Picture of Andrea Munoz Cagle

By: | Apr 29, 2016

Capital One denied me but Fingerhut OKd me. I needed a generator for a backup power source. I put the payment on autopay and now the payment will never be late and they do positive reporting, which not everyone does. And Capital One is in the same family as One Main Financial. I have had two auto loans with Capital One and two auto loans with One Main Financial all of which were on autopay and paid in full with not one single late or missed payment. Yet they still denied me a credit card due to mortgage issues from the housing market collapse in my area. Capital One is not as welcoming as they used to be.

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

2 Replies

By: Sondra Likeyouneverseenmebefore Watson | Jul 28, 2015

First Premier, Total Visa, and Credit One Bank.

By: Hiam Awad | Feb 14, 2016

Try first premiere, Verve, or capital one.

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.

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.