Credit Cards for Bad Credit

Credit Card options under this category typically range from secured cards to prepaid cards. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
N/A
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
  • 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
See additional details for First Access Visa® Card

Credit Line
$500 Limit
Monthly Fee
See website for Details*
Regular APR
0% APR
Credit Recommended
Damage credit to Fair credit

Highlights

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
See additional details for Freedom Gold Card

*See site for details


Credit Line
See website for Details*
Monthly Fee
None
Regular APR
See website for Details*
Credit Recommended
Poor/Fair/Good

Highlights

Fingerhut Credit Account (issued by WebBank)

  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No annual fees
  • No overlimit fees
See additional details for Fingerhut Credit Account

Annual Fee
$35 - $99*
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Poor/Bad

Highlights

  • 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.

*Dependent on credit worthiness


Regular APR
See website*
Annual Fee
See website*
Credit Line
See website*
Credit Recommended
Bad/Limited/No Credit

Highlights

  • If approved, fund the security deposit to open your account.
  • This is a genuine secured credit card - not a debit or prepaid card.
  • Opportunity to build your credit card limit over time by adding funds to your Security Deposit.
  • Security Deposits are placed in an FDIC-insured account.
  • Reports monthly to the major Consumer Reporting Agencies unlike most prepaid accounts.
  • No credit history required to apply for this credit card.

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


Regular APR
See website for Details*
Annual Fee
See website for Details*
Credit Line
See website for Details*
Credit Recommended
See website for Details*

Highlights

  • Get both a Secured MasterCard® and an Unsecured VISA® Credit Card from our trusted partners with this unique program
  • The Secured Card offered by our partners at First Progress requires no credit history or minimum score for approval
  • The unsecured VISA card does not require perfect credit; our partners at First Access Card may approve you when others won’t
  • Open accounts with both VISA and MasterCard so you’ll always have access
  • Both accounts report activity separately to all three Credit Bureaus every month
  • Both cards are genuine credit cards with security protections and nationwide acceptance
  • Apply for both cards – or either card separately – the choice is up to you!
See additional details for Progress Credit

Credit Line
$500 Limit
Regular APR
0% APR
Monthly Fee
See website for Details*
Credit Recommended
Damage credit to Fair credit

Highlights

  • Guaranteed $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit - OK
See additional details for Horizon Gold

*See Terms & Conditions for Details


Regular APR
18.39% (variable)
Annual Fee
$35
Credit Line
$200-$3000 at time of application
Credit Recommended
Poor

Highlights

  • 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.
See additional details for OpenSky® Secured Visa® Credit Card

Credit Line
$500 Limit
Regular APR
0% APR
Monthly Fee
See website for Details*
Credit Recommended
Damage credit to Fair credit

Highlights

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
See additional details for Net First Platinum

*See Card for Details


Annual Fee
$35*
Balance Transfer
Yes*
Regular APR
10.90% to 20.90%
Credit Recommended
Establishing/Rebuilding

Highlights

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.


Regular APR
9.99%
Annual Fee
$49
Credit Line
$2,000
Credit Recommended
Damaged/Fair

Highlights

  • 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.

Annual Fee
$35 - $99*
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Poor/Bad

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
  • Account history is reported to the three major credit bureaus in the U.S.

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 credit card application for details on the terms and conditions.