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®

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

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
  • Get $25 Off Your First Order of $100 Or More With a New Fingerhut Credit Account. Code: NC256. Offer ends 10/31/18.
Credit One Bank® Platinum Visa® for Rebuilding Credit

19.74% - 25.74% Variable APR

19.74% - 25.74% 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

19.14% (variable) APR

19.14% (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

20.24% APR

20.24% 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

10.24% APR

10.24% 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®

19.74% - 25.74% Variable APR

19.74% - 25.74% 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®
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*

See website for Details*

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.
Bento Prepaid Debit Card For Business

N/A

N/A

$0 - $149* monthly

No Credit CheckApply NowView Card Details
  • Reloadable prepaid Mastercards with app that enforces expense policies
  • More control vs. business credit cards: set spend limits by day, vendor type, or amount, receive on/off and alerts
  • Business features: real-time analysis, receipt capture and Excel or QB export
  • Use instead of petty cash, checks, or credit for part-time or full-time staff
  • FDIC insured account with Fraud coverage if your card is ever lost or stolen
  • Accepted at all Mastercard locations
  • Cards can be used for utility, named for places, projects or events
  • 24/7 U.S. based 100% business focused customer service
  • Free 60 day trial--apply online without affecting your credit
  • Top rated on Capterra and Trust Pilot, and A+ by BBB
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
  • 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®
  • 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
  • Get $25 Off Your First Order of $100 Or More With a New Fingerhut Credit Account. Code: NC256. Offer ends 10/31/18.
  • Click here for more details on Fingerhut Credit 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
  • Click here for more details on Credit One Bank® Platinum Visa® for Rebuilding Credit
  • 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
  • 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!
  • 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.
  • Click here for more details on First Access Visa® Card
  • 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
  • Click here for more details on Total 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!
  • 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
  • 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®
  • 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
  • Reloadable prepaid Mastercards with app that enforces expense policies
  • More control vs. business credit cards: set spend limits by day, vendor type, or amount, receive on/off and alerts
  • Business features: real-time analysis, receipt capture and Excel or QB export
  • Use instead of petty cash, checks, or credit for part-time or full-time staff
  • FDIC insured account with Fraud coverage if your card is ever lost or stolen
  • Accepted at all Mastercard locations
  • Cards can be used for utility, named for places, projects or events
  • 24/7 U.S. based 100% business focused customer service
  • Free 60 day trial--apply online without affecting your credit
  • Top rated on Capterra and Trust Pilot, and A+ by BBB
  • Click here for more details on Bento Prepaid Debit Card For Business
  • Guaranteed $500 Credit Line*
  • No Credit Check
  • 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
  • Click here for more details on NetSpend® Visa® Prepaid Card

  • 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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