Call a Specialist 1-800-747-3893 M-F 8:30 to 5:30 EST

Credit Cards for Bad Credit

3.8 - 62 reviews for top rated card - Over the Past 60 Days!

  • star
  • star
  • star
  • star
  • star
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
 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 62 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Hide Card Details
Apply Now

Apply Securely

Rewards Rate

1% on Gas Purchases

Reports to Credit Bureaus

Build Credit When Used Responsibly

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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.6/5.0 from 35 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 65 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Reports to Credit Bureaus

Build Credit When Used Responsibly

Minimum Deposit

$49, $99, or $200

Regular Purchase APR

24.9% (Variable)

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 24.9% (Variable)
Annual Fee: $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, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • 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 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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 77 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 23.9% variable*
Annual Fee: $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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.6/5.0 from 18 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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

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 
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.3/5.0 from 6 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.8/5.0 from 4 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Easy Online Bill Pay

Pay Bills Online

Instant Approval

No Credit History Needed

Access to MoneyPass ATMs

Over 23,000 MoneyPass ATMs Available

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.6/5.0 from 5 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Easy Online Bill Pay

Pay Bills Online

Instant Approval

No Credit History Needed

Access to MoneyPass ATMs

Over 23,000 MoneyPass ATMs Available

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.0/5.0 from 2 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Easy Online Bill Pay

Pay Bills Online

Instant Approval

No Credit History Needed

Access to MoneyPass ATMs

Over 23,000 MoneyPass ATMs Available

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.0/5.0 from 1 Cardholder Review Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Easy Online Bill Pay

Pay Bills Online

Instant Approval

No Credit History Needed

Access to MoneyPass ATMs

Over 23,000 MoneyPass ATMs Available

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

2.0/5.0 from 2 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Easy Online Bill Pay

Pay Bills Online

Instant Approval

No Credit History Needed

Access to MoneyPass ATMs

Over 23,000 MoneyPass ATMs Available

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.
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.0/5.0 from 19 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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*

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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

0.0/5.0 from 0 Cardholder Review Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

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

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/Limited/No History
Highlights
  • Click "APPLY NOW" to apply online
  • Get Your paycheck and tax refund 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.
  • 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).
  • Earn up to $20 for every friend you refer.
  • 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.
More Card Details

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 Rocco Riehl
 

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 Comment

First Premier, Total Visa, and Credit One Bank.

Picture of William Mccarter
 

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

2 Comments

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

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.

Advertiser Disclosure
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