Cards for Bad Credit

Card options under this category typically range from secured cards to prepaid cards. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

PREMIER Bankcard® Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
See additional details for PREMIER Bankcard® Mastercard® Credit Card

Zebit - Buy Now & Pay Over Time

Credit Recommended:
Poor to Good
Apply Now on issuer’s secure website.
Credit Recommended:
Poor to Good
Regular APR
N/A
Credit Line
Get a max of 1,500
Monthly Fee
$0
Apply Now on issuer’s secure website.
Credit Recommended
Poor to Good

Highlights

  • Get a Max of $1500 in Credit to Shop Zebit!
  • No Hidden Fees. No FICO® Pulled. No Gotchas!
  • Buy Now and Pay Over Time for over 90,000 name brand products.
  • Shop thousands of name brands including Apple, Whirlpool, Gucci, Cuisinart, Samsung, Xbox, Playstation, and more!
See additional details for Zebit - Buy Now & Pay Over Time

Group One Platinum Card

Credit Recommended:
Damaged/Fair
Apply Now on issuer’s secure website.
Credit Recommended:
Damaged/Fair
Credit Limit
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended
Damaged/Fair

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
See additional details for Group One Platinum Card

PREMIER Bankcard® Secured Credit Card

Credit Recommended:
Bad/Limited/No Credit
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Bad/Limited/No Credit
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Line
See Provider Website
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Bad/Limited/No Credit

Highlights

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
See additional details for PREMIER Bankcard® Secured Credit Card

Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Regular APR
28.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
Apply Now on Capital One® secure website.
Minimum Deposit
$200
Credit Recommended
Limited, Bad
Cash Advance APR
28.49% (Variable)

Highlights

  • 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

The First Latitude Platinum Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
22.99% (V)
Annual Fee
$25 for the first year, after that $35 annually
Cash Advance APR
27.99% (V)
Apply Now on issuer’s secure website.
Credit Line
See website for Details*
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Start Building Your Credit with as Little as $100
  • Pay a Deposit (as Little as $100! Or up to $2000)
  • Quick and Easy Online Application
  • No Credit History or Minimum Credit Score Required!
  • Get a Platinum Mastercard (Bank Account Required)
  • Reports to all 3 Major Credit Bureaus
  • Credit Reporting Starts Immediately when your Account is Opened
  • *Just pay your bill on time to continue establishing your credit
  • First Latitude Mastercard is Accepted Nationwide and Online
  • Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!

Capital One Platinum Secured Credit Card

Credit Recommended:
Limited, Bad
Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Minimum Deposit
$49, $99 or $200
Purchase Grace Period
25 days
Apply Now on Capital One® secure website.
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
Foreign Trans Fee
None

Highlights

  • 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
See additional details for Capital One Platinum Secured Credit Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Credit Recommended:
Poor/Fair/Limited/Damaged
Apply Now on issuer’s secure website.
Credit Recommended:
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000
Apply Now on issuer’s secure website.
Credit Recommended
Poor/Fair/Limited/Damaged
Brand Name
Visa®
Security Deposit
$200 - $1,000

Highlights

  • 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 Access Visa® Card

Credit Recommended:
Fair/Bad
Apply Now On the First Access Visa® Card secure website
Credit Recommended:
Fair/Bad
Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
N/A
Apply Now On the First Access Visa® Card secure website
Credit Recommended
Fair/Bad

Highlights

  • 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
  • $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.
See additional details for First Access Visa® Card

Net First Platinum

Credit Recommended:
Damaged credit to Fair credit
Apply Now on issuer’s secure website.
Credit Recommended:
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended
Damaged credit to Fair credit

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
See additional details for Net First Platinum

*See Card for Details


Merrick Bank Double Your Line® Secured Credit Card

Credit Recommended:
See website for Details
Apply Now on Merrick Bank secure website.
Credit Recommended:
See website for Details
Credit Line
$200, which doubles to $400 if you qualify
Regular APR
21.20% Variable
Cash Advance APR
26.20% Variable
Apply Now on Merrick Bank secure website.
Annual Fee
$36 the first year. Billed $3 per month thereafter
Minimum Deposit
$200
Late Payment Fee
Up to $40

Highlights

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
  • 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.

Apply Now On the Milestone Gold Mastercard® secure website
Credit Recommended:
Poor/Bad
Annual Fee
$35 - $99*
Regular APR
24.9%
Credit Recommended
Poor/Bad
Apply Now On the Milestone Gold Mastercard® secure website

Highlights

  • Easy pre-qualification process which does not affect your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Protection from fraud, if your card happens to be lost or stolen
  • Reports to all three major credit bureaus

*Dependent on credit worthiness


OpenSky® Secured Visa® Credit Card

Credit Recommended:
Poor
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
Poor
Regular APR
20.39% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
Poor
Cash Advance APR
20.39% (variable)
Late Payment Fee
Up to $38

Highlights

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • 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
  • *View the cardholder agreement
See additional details for OpenSky® Secured Visa® Credit Card
Advertiser Disclosure

More about Bad Credit...

Damaged credit sometimes happens to good people. Perhaps you lost a job that seemed perfectly secure. Maybe you had astronomical medical expenses only partially covered by insurance or not covered at all. There are many understandable reasons why responsible people might lose their good credit ratings.

Credit companies recognize this and offer ways for you to restore your credit. One of the ways to do this is with a secured credit card. With a secured card, you deposit a certain amount of money; for example if you deposit $500, you could be issued a card with a $500 credit limit. If you keep within your limits and pay all charges on time, eventually your deposit may be returned.

Other card types and options are also available for those with bad credit and CreditSoup.com works hard to find offers that could help you. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.

*See online card application for details on the terms and conditions.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.