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 credit score to the three major credit bureaus — Equifax, Experian and TransUnion. As long as you pay off your credit-card balance on time each month, your credit rating will improve.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Capital One® Secured Mastercard®

26.99% (Variable) APR

26.99% (Variable) APR

No balance transfer fee

$0

Limited, Bad CreditApply NowView Card Details
  • 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
Fingerhut Credit Account

See Issuer Website

See Issuer Website

None

Bad CreditApply NowView Card Details
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
  • Enter promo code NC761 at checkout to receive $25 off your order of $100 or more with a new, approved Fingerhut Advantage Credit Account issued by WebBank. Offer ends 11:59pm CT 1/31/19. Promo code only valid with applications approved online and with purchases made online at www.fingerhut.com with your new account.
Credit One Bank® Platinum Visa® for Rebuilding Credit

19.99% - 25.99% Variable APR

19.99% - 25.99% Variable APR

$0 - $99

Poor CreditApply NowView Card Details
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
Gettington Credit Card

See Issuer Website

See Issuer Website

None

Bad CreditApply NowView Card Details
  • Easy application
  • Get a credit decision in seconds!
  • Use your line of credit to shop 100s of popular name brands, top trends and tons of hot deals
  • Get EASY payments on everything if you apply and are accepted for a Gettington Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
OpenSky® Secured Visa® Credit Card

19.39% (variable) APR

19.39% (variable) APR

$35

Poor CreditApply NowView Card Details
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
Green Dot primor® Visa® Classic Secured Credit Card

13.99% (F) APR

N/A

$39

Poor / Limited / No CreditApply NowView Card Details
  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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® Classic Secured Credit Card details
First Access Visa® Card

See Terms

See Terms

See Terms

Fair / Bad CreditApply NowView Card Details
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Total Visa® Card

See Terms*

See Terms*

See Terms*

Fair / Bad CreditApply NowView Card Details
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Green Dot primor® Mastercard® Classic Secured Credit Card

13.99% (F) APR

N/A

$39

Poor / Limited / No CreditApply NowView Card Details
  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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® Mastercard® Classic Secured Credit Card details
Green Dot primor® Mastercard® Gold Secured Credit Card

9.99% (F) APR

N/A

$49

Poor / Limited / No CreditApply NowView Card Details
  • 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® Mastercard® Gold Secured Credit Card details
Applied Bank® Secured Visa® Gold Preferred® Credit Card

9.99% APR

9.99% APR

No balance transfer fee

$48

Poor / Fair / Limited / Damaged CreditApply 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
Green Dot primor® Visa® Gold Secured Credit Card

9.99% (F) APR

N/A

$49

Poor / Limited / No CreditApply NowView Card Details
  • 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
The First Progress Platinum Elite MasterCard® Secured Credit Card

20.49% APR

20.49% APR

$29

Damage Credit To Fair CreditApply NowView Card Details
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
First Progress Platinum Prestige MasterCard® Secured Credit Card

10.49% APR

10.49% APR

$49

Damaged / Fair CreditApply NowView Card Details
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
Credit One Bank® Unsecured Platinum Visa®

19.99% - 25.99% Variable APR

19.99% - 25.99% Variable APR

$0 - $99

Poor CreditApply NowView Card Details
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®
Horizon Gold

0% APR

0% APR

See website for Details*

Damage Credit To Fair CreditApply NowView Card Details
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK
NetSpend® Visa® Prepaid Card

See website for Details*

See website for Details*

See website for Details*

No Credit CheckApply NowView Card Details
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
  • See additional NetSpend® Prepaid Visa® details
Refresh Secured Visa

17.99% APR

17.99% APR

$12.95

Poor CreditApply NowView Card Details
  • Build your credit score easily with a guaranteed Refresh Financial Secured VISA
  • No credit checks and guaranteed approval.
  • One of the lowest credit card interest rates on the market (17.99%)
  • Helps build your credit so you can get that loan you need sooner than you think!
  • Build credit safely without the risk of debt.
Wards Credit Account

5.75% - 23.99% APR

5.75% - 23.99% APR

None

Poor CreditApply NowView Card Details
  • Shop brand names you know and trust with the buying power of Wards Credit. Payments start at $10 a month!
  • Use Wards Credit and get buy now, pay later convenience on a huge selection of furniture, electronics, appliances, shoes and more.
  • Wards low monthly payments and fast approval process make it easy to use credit while shopping online or in our catalog.
  • Plus, you can build your credit line with us and save your cash and credit cards for other purchases!
CIBC Air Canada® AC conversion™ Visa* Prepaid Card

N/A

N/A

None

No Credit CheckApply NowView Card Details
  • Simply load the card with funds and start spending anywhere VISA is accepted, whether you're travelling or booking ahead. Use it online, at stores and restaurants, and even for withdrawing local currency from ATMs.
  • A single card loaded with up to 10 currencies.
  • Manage your card from your smartphone or tablet.
  • Spend like a local in 45 countries around the world.
  • Travel worry-free knowing support is close at hand.
  • 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
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
  • Enter promo code NC761 at checkout to receive $25 off your order of $100 or more with a new, approved Fingerhut Advantage Credit Account issued by WebBank. Offer ends 11:59pm CT 1/31/19. Promo code only valid with applications approved online and with purchases made online at www.fingerhut.com with your new account.
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
  • Easy application
  • Get a credit decision in seconds!
  • Use your line of credit to shop 100s of popular name brands, top trends and tons of hot deals
  • Get EASY payments on everything if you apply and are accepted for a Gettington Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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® Classic Secured Credit Card details
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Credit lines available from $200 to $5,000! Low fixed 13.99% 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® Mastercard® Classic Secured Credit Card details
  • 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® Mastercard® Gold Secured Credit 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
  • 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
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. "Apply Now" for full details.
  • See additional NetSpend® Prepaid Visa® details
  • Build your credit score easily with a guaranteed Refresh Financial Secured VISA
  • No credit checks and guaranteed approval.
  • One of the lowest credit card interest rates on the market (17.99%)
  • Helps build your credit so you can get that loan you need sooner than you think!
  • Build credit safely without the risk of debt.
  • Shop brand names you know and trust with the buying power of Wards Credit. Payments start at $10 a month!
  • Use Wards Credit and get buy now, pay later convenience on a huge selection of furniture, electronics, appliances, shoes and more.
  • Wards low monthly payments and fast approval process make it easy to use credit while shopping online or in our catalog.
  • Plus, you can build your credit line with us and save your cash and credit cards for other purchases!
  • Simply load the card with funds and start spending anywhere VISA is accepted, whether you're travelling or booking ahead. Use it online, at stores and restaurants, and even for withdrawing local currency from ATMs.
  • A single card loaded with up to 10 currencies.
  • Manage your card from your smartphone or tablet.
  • Spend like a local in 45 countries around the world.
  • Travel worry-free knowing support is close at hand.

  • Get the savings plan that helps build credit today! No checking account or security deposit required.
  • Choose the amount you want to save and make monthly payments towards your savings goal
  • Monthly payments are reported to the three major credit bureaus.
  • For Example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 10.69%

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