Credit Cards for Bad Credit

If you have fallen hard financially, you may have damaged your credit score. You can apply for the subprime credit cards that are designed for people with bad credit to rebuild your credit history. Or you may start with the secured credit cards that report your responsible payment records to the three major credit bureaus – Experian, TransUnion, and Equifax. As long as you pay off your credit-card balance on time each month, your credit rating will improve. You may also use credit repair companies to help fix issues in your credit report to improve credit scores.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Reflex® Platinum Mastercard®

29.99% APR (Variable) APR

N/A

$75 - $125

Fair / Poor / Bad / LimitedApply NowView Card Details
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you're Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 - $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
First Latitude Select Mastercard® Secured Credit Card

19.24% (V) APR

rates & fees

N/A

$39.00

Poor / Limited / NoApply NowView Card Details
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit.
  • Build or rebuild your credit!†
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Total Visa® Card

35.99%* APR

rates & fees

N/A

$75.00 1st year, $48.00 after*

Fair / BadApply NowView Card Details
OpenSky® Plus Secured Visa® Credit Card

29.99% (Variable) APR

N/A

$0

No Credit, Poor, Fair CreditApply NowView Card Details
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
FIT™ Platinum Mastercard®

29.99% APR

N/A

$99

Fair / Poor / BadApply NowView Card Details
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Capital One Quicksilver Secured Cash Rewards Credit Card

30.74% (Variable) APR

rates & fees

30.74% (Variable) APR

$0

Limited, Bad CreditApply NowView Card Details
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
First Progress Platinum Elite Mastercard® Secured Credit Card

25.24% (V) APR

N/A

$29

Poor / Limited / NoApply NowView Card Details
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Capital One Platinum Secured Credit Card

30.74% (Variable) APR

rates & fees

30.74% (Variable) APR

$0

Limited, Bad CreditApply NowView Card Details
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
OpenSky® Secured Visa® Credit Card

25.64% (Variable) APR

N/A

$35

Poor CreditApply NowView Card Details
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who've used OpenSky to build their credit
Applied Bank® Secured Visa® Gold Preferred® Credit Card

9.99% Fixed APR

N/A

$48

Poor / Fair / Limited / DamagedApply NowView Card Details
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
First Progress Platinum Select Mastercard® Secured Credit Card

19.24% (V) APR

N/A

$39

Poor / Limited / NoApply NowView Card Details
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Platinum Prestige Mastercard® Secured Credit Card

15.24% (V) APR

N/A

$49

Poor / Limited / NoApply NowView Card Details
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Freedom Gold Card

0% APR

0% APR

See website for Details*

Damage Credit To Fair CreditApply NowView Card Details
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
Revenued Business Card

N/A

N/A

$0

Bad, Good CreditApply NowView Card Details
  • No annual fee and no draw fee
  • Includes flex line, similar to a line of credit and only pay for what you use
  • Access cash on demand with funds deposited straight into your bank account
  • Fast and easy application process - apply online and receive a funding decision in as little as an hour
  • Approvals based on your business revenue and not personal credit
  • As your revenue increases, spending limits also increase
  • Access to business credit tools - Revenued reports to D&B to help build your business credit
  • Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
  • Rated Excellent on Trustpilot with 600+ reviews
Unique Platinum

0% APR

0% APR

N/A

Any Credit WelcomeApply NowView Card Details
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • *See terms and conditions
Net First Platinum

0% APR

N/A

See website for Details*

Damaged Credit To Fair CreditApply NowView Card Details
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Destiny Mastercard®

See terms

See terms

See terms

Poor To Good CreditApply NowView Card Details
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
Surge® Platinum Mastercard®

29.99% APR (Variable)

N/A

$75 - $125

See Website For Details*Apply NowView Card Details
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score - Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 - $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you're Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
Merrick Bank Secured Credit Card

22.70% Variable APR

N/A

$36 for first year. Billed $3 per month thereafter

See Website For Details*Apply NowView Card Details
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you're Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 - $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit.
  • Build or rebuild your credit!†
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
  • Earn 1% cash back rewards on payments made to your Total Credit Card
  • Checking Account Required
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who've used OpenSky to build their credit
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 - based on your security deposit
  • Build your credit score.† Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • † Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
  • No annual fee and no draw fee
  • Includes flex line, similar to a line of credit and only pay for what you use
  • Access cash on demand with funds deposited straight into your bank account
  • Fast and easy application process - apply online and receive a funding decision in as little as an hour
  • Approvals based on your business revenue and not personal credit
  • As your revenue increases, spending limits also increase
  • Access to business credit tools - Revenued reports to D&B to help build your business credit
  • Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
  • Rated Excellent on Trustpilot with 600+ reviews
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score - Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 - $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you're Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
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