Credit Cards for Bad Credit

If you have fallen hard financially, you may have damaged your credit. You can apply for the following sub-prime credit cards specially designed for people with bad credit to rebuild your credit. Or you may start with the secured credit cards that report credit score to the three major credit bureaus — Equifax, Experian and TransUnion. Make small purchases and pay off the card every month.

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

24.99% (Variable) APR

24.99% (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

24.90% APR

24.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt.
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. Apply Today!
  • Save $25 on your first order of $100 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC597. Limited Time Only.
  • Save $50 on your first order of $200 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC199. Limited Time Only.
Credit One Bank® Platinum Visa®

16.99% - 24.99% Variable APR

16.99% - 24.99% Variable APR

$0 - $99

Rebuilding CreditApply NowView Card Details
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Gettington Credit Card

14.90% - 19.90% APR

14.90% - 19.90% APR

None

Rebuilding CreditApply NowView Card Details
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping plus $25 off on your first order of $100 or more, use promo code SHIPFREE25
OpenSky® Secured Visa® Credit Card

18.39% (variable) APR

18.39% (variable) APR

$35

Rebuilding 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.
primor® Secured Visa® Classic Card

13.99% (F) APR

13.99% (F) APR

$39

Rebuilding 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 primor® Secured Visa® Classic Card details
First Access Visa® Card

See Terms

See Terms

See Terms

Rebuilding 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)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
primor® Secured Mastercard® Classic Card

13.99% (F) APR

13.99% (F) APR

$39

Rebuilding 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 primor® Secured Mastercard® Classic Card details
primor® Secured Mastercard® Gold Card

9.99% (F) APR

9.99% (F) APR

$49

Rebuilding 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 primor® Secured Mastercard® Gold Card details
Applied Bank® Secured Visa® Gold Preferred® Credit Card

9.99% APR

9.99% APR

No balance transfer fee

$48

Rebuilding 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
primor® Secured Visa® Gold Card

9.99% (F) APR

9.99% (F) APR

$49

Rebuilding 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 primor® Secured Visa® Gold Card details
The First Progress Platinum Elite MasterCard® Secured Credit Card

19.99% APR

19.99% APR

$29

Rebuilding 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

9.99% APR

9.99% APR

$49

Rebuilding 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.
READYdebit® Visa Mint Control Prepaid Card

See website for Details* APR

See website for Details* APR

See website for Details*

No Credit CheckApply NowView Card Details
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay
Credit One Bank® Unsecured Platinum Visa®

16.99% - 24.99% Variable APR

16.99% - 24.99% Variable APR

$0 - $99

Rebuilding CreditApply NowView Card Details
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card-not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
AccountNow® Prepaid Visa® Card

N/A

N/A

$0

No Credit CheckApply NowView Card Details
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free* Direct Deposit and Online Bill Payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage
AccountNow® Gold Visa® Prepaid Card

See website for Details* APR

See website for Details* APR

See website for Details*

No Credit CheckApply NowView Card Details
  • Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
  • $15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
READYdebit® Visa Latte Control Prepaid Card

See website for Details* APR

See website for Details* APR

See website for Details*

No Credit CheckApply NowView Card Details
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free* Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay
Milestone® Mastercard® - Bad Credit Considered

23.9% APR

23.9% APR

$35 - $99*

Poor / Bad CreditApply NowView Card Details
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • 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
  • Click here for more details on Capital One® Secured Mastercard®
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt.
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
  • Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. Apply Today!
  • Save $25 on your first order of $100 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC597. Limited Time Only.
  • Save $50 on your first order of $200 or more with a new Fingerhut Credit Account issued by WebBank. Use promo code NC199. Limited Time Only.
  • Click here for more details on Fingerhut Credit Account
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
  • Click here for more details on Credit One Bank® Platinum Visa®
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping plus $25 off on your first order of $100 or more, use promo code SHIPFREE25
  • Click here for more details on Gettington Credit 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.
  • 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 primor® Secured Visa® Classic Card details
  • Click here for more details on primor® Secured Visa® Classic Card
  • 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)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
  • Click here for more details on First Access Visa® 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!
  • 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!
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • 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 primor® Secured Visa® Gold Card details
  • Click here for more details on primor® Secured Visa® Gold Card
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free* Direct Deposit
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card-not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
  • Click here for more details on Credit One Bank® Unsecured Platinum Visa®
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
  • $15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
  • Click here for more details on AccountNow® Gold Visa® Prepaid Card
  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
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