Bad Credit Credit Cards
Credit cards for bad credit are intended for those with a FICO score below 600. The below are credit card offers chosen by the CompareCards.com editor team which reflect the most consumer value for bad credit applicants.
- Easily compare credit and prepaid credit cards from major credit companies (credit score: below 600)
- Independent ratings and reviews
- Instant & secure online approval process
- Intro APR N/A*
- Intro BT APR N/A*
- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
- Intro APR N/A*
- Intro BT APR 0.00%*
- 100% Approval - No credit check needed (ID verification required).
- Get your paycheck, government benefits and tax refund faster with free direct deposit
- New - Get rewarded with NetSpend Payback RewardTM options.
- Real-time account activity alerts to your mobile phone.
- Funds are FDIC insured up to the current coverage limit (ID verification required).
- Intro APR N/A*
- Intro BT APR N/A*
- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- Knowledgeable customer service representatives to assist you with questions or concerns
- Intro APR N/A*
- Intro BT APR 0.00*
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR 0.00*
- 100% Approval - No credit check needed (ID verification required).
- Get your paycheck, government benefits and tax refund faster with free direct deposit
- New - Get rewarded with NetSpend Payback RewardTM options.
- Real-time account activity alerts to your mobile phone.
- Funds are FDIC insured up to the current coverage limit (ID verification required).
- Intro APR N/A*
- Intro BT APR 0.00*
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR 0.00%*
- New - Free Roadside Assistance
- New - Free Savings Account with 5.65% APY
- 1% Cash Back on Gas Purchases
- Free Direct Deposit so you can get paid faster
- Free Bill Pay online or over the phone
- Free Transactions and Customer Service
- No Overdraft Fees, No Interest Fees, and No Hidden Fees
- No Credit Check - 100% Approval
- Intro APR N/A*
- Intro BT APR 0.00*
- Instant Account Number
- Free Credit Score
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Unlimited Purchase Transactions.
- Free Online Bill Payment & Check Writing
- No Overdraft Fees or Balance Minimums
- 100% Guaranteed Approval* - No Credit Checks
- Choose Your Card Color - Blue or Pink
- Intro APR N/A*
- Intro BT APR 0.00%*
- $0 Monthly Fee
- 100% Guaranteed Approval* - No Credit Check
- No Minimum Balance
- Free Direct Deposit and Online Bill Payment
- Now with Purchase Rewards
- Perfect for Tax Refund direct deposit
- Intro APR N/A*
- Intro BT APR 0.00*
- $0 Activation Online - with no credit check
- Access over 18,000 MoneyPass® ATM's
- Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
- No Monthly fee for any month with at least 30 purchases
- No Transaction fees on US purchases
- No Overdraft fees
- No Minimum balance required
- Intro APR N/A*
- Intro BT APR 0.00*
- 100% Guaranteed Approval* - No Credit Check
- $0 Activation Fee
- $25 bonus with Free direct deposit§
- Free Online Bill Payment
- Up to $10,000 balance limit
- Instant Account Number - Perfect for getting your Tax Refund faster with direct deposit
- Intro APR N/A*
- Intro BT APR 0.00*
- 100% Guaranteed Approval* - No Credit Check
- Free Direct Deposit - sign up now and have a safe place to put your tax refund
- Only card that lets you change your fee plan whenever you want to
- Free prescription discount card
- Easy Bill Pay - pay bills, rent, or write personal checks
- Card to card transfers
- Intro APR N/A*
- Intro BT APR 0.00*
- Guaranteed Rewards - you can pick iTunes, RedBox, Cash, Starbucks and More
- Special Reload Offer - Receive a Credit of the Green Dot MoneyPak® fee the first time you try it.*
- Free Direct Deposit, Online bill pay, Earn rewards.
- No credit check, 100% approved*
- No bounced check fees or overdraft fees - ever!
- Travel, rent cars, reserve hotels, shop online safely.
- Unbelievable customer service.
- Intro APR N/A*
- Intro BT APR 0.00%*
- 100% Guaranteed Approval* - No Credit Check
- No Activation Fee
- Free Direct Deposit and $25 bonus§
- Free Online Bill Payment
- Earn Purchase Rewards and Refer-a-Friend Cash Bonus
- Perfect for Tax Refund direct deposit
- Intro APR N/A*
- Intro BT APR 0.00*
- Accepted everywhere VISA is accepted
- No Credit Check, Income requirements, or bank account required
- Free Online Access to Account
- Free Mobile Alerts - Text to your mobile and email
- Free Bill Pay Service - Pay Anyone Online or Over the Phone
- Free Rewards Program - Earn 1 point for every $1 spent
- No Bounced Check, NSF, or Overdraft Charges Ever
- Free Direct Deposit - Eliminate check cashing fees
- Intro APR N/A*
- Intro BT APR 0.00*
- Get Your Premium Benefits:
- Exclusive Rewards Program
- Free Credit Score
- Free Mobile Banking and Text Alerts
- Free Online Bill Payment & Check Writing
- Free Direct Deposit %u2014 paycheck, benefits, tax refunds
- No Credit Check*, No Overdraft Fees or Balance Minimums
- Reloadable up to $10,000 Max Balance
- Intro APR N/A*
- Intro BT APR N/A*
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- Your refundable security deposit can get you a line up to $3000
- You may qualify for credit line increases with no further security deposit required
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 22.9% (V)* | $29.00* | Limited/Bad, Bad |
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Bad Credit Credit Cards
So called “bad credit” credit cards are especially designed for people with no credit, a low credit score, or a bad credit history. They can be easier to obtain compared with other credit cards because they typically offer cards with instant approval and limited scrutiny of your finances and debts.
Most 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.
The best bad credit type of credit card for most people 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 credit so that you can later successfully apply for a traditional credit card with a lower rate and fewer monthly fees and charges.
