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Credit Cards for Bad Credit

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Discover it® Secured

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 29 Offer Ratings
Over the Past 60 Days!

(29) Over the Past 60 Days!
  • Cash Back Rewards 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. 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 Fee $0
  • Credit Needed Poor/New to Credit
  • Card Brand Discover

Highlights

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. 
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit. 
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit. 
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. 
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • See Rates & Fees

See additional details for Discover it® Secured

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Capital One® Secured Mastercard®

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) 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 Fee $0
  • Credit Needed Limited/Bad
  • Card Brand Mastercard®

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

See additional details for Capital One® Secured Mastercard®

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Green Dot primor® Visa® Gold Secured Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.2/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!
  • Monthly Credit Reporting Reports to the Three Major Credit Bureaus
  • Rates & Fees No Penalty Rate or Application Fees*
  • Low On-going Interest 9.99% APR*
  • Annual Fee $49
  • Credit Needed Poor/Limited/No Credit
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Gold Secured Credit Card details

See additional details for Green Dot primor® Visa® Gold Secured Credit Card

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Credit One Bank® Unsecured Platinum Visa®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
  • Rewards Rate 1% on eligible purchases, terms apply
  • Reports to Credit Bureaus Build Credit When Used Responsibly
  • Regular Purchase APR 19.74% - 25.74% Variable
  • Annual Fee $0-$99
  • Credit Needed Bad/Poor/Fair
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy peace of mind with $0 Fraud Liability  
  • See if you Pre-Qualify in less than 60 seconds 
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Automatic reviews for credit line increases give you opportunities to get even more credit 
  • Choose your monthly payment due date for added convenience, terms apply 
  • View updates to your Experian credit score with free online access, terms apply 
  • Access your account on-the-go with the Credit One Bank mobile app 
  • Never miss an account update with customizable text and email alerts

See additional details for Credit One Bank® Unsecured Platinum Visa®

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Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 23 Offer Ratings
Over the Past 60 Days!

(23) Over the Past 60 Days!
  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Pre-qualify today without an impact on your credit score*
  • Annual Fee $0 - $99
  • Credit Needed Bad
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Quick pre-qualification available with no impact to your credit score
  • Access your account online or from your mobile device 24/7
  • Select your own style of card design at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Protection from fraud if your card is stolen
  • No security deposit

See additional details for Indigo® Platinum Mastercard®

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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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.

2 Replies

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.

By: Chris Brown | Feb 23, 2018

Anna, a secured card IS the only unless you find someone who will take a chance and offer you credit

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.

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