Credit Card types available under the bad credit category range from secured cards to prepaid cards. Although there are unsecured cards in this category approval is difficult. This category is generally for credit scores under 550. Consumers that qualify for credit cards in this category can expect to find offers that are alternatives to traditional unsecured cards.

First Access Visa® Card

Intro Rate
N/A
Intro Period
N/A
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)
  • Checking account required
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.


Milestone® MasterCard® - Bad Credit Considered

Intro Rate
N/A
Intro Period
N/A
Regular APR
23.9%
Annual Fee
$35 - $99*
Balance Transfer
N/A
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


Total Visa® Card

Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Activation Fee
See Terms*
Credit Recommended
Fair/Bad Credit

Highlights

  • 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

Surge MasterCard® Credit Card

Intro Rate
N/A
Intro Period
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Balance Transfer
See Terms*
Credit Recommended
Fair/Poor

Highlights

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Fingerhut Credit Account

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

You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.


Freedom Gold 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

You are pre-approved for a $500 unsecured credit line with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details


Horizon Gold – One Page

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

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

*See Terms & Conditions for Details


Milestone® MasterCard® - Unsecured For Less Than Perfect Credit

Intro Rate
N/A
Intro Period
N/A
Regular APR
23.9%
Annual Fee
$35 - $99*
Balance Transfer
N/A
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.

primor® Secured Visa Gold Card

Regular APR
9.99%
Annual Fee
$49
Credit Line
up to $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more

*See application for additional details


OpenSky® Secured Visa® Credit Card

Regular APR
17.64% (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.

First Progress Platinum Prestige MasterCard® Secured Credit Card

Regular APR
11.99%
Annual Fee
$44
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.

primor® Secured MasterCard Gold Card

Regular APR
9.99%
Annual Fee
$49
Credit Line
up to $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
    *See application for additional details

USAA Secured Cards® American Express® Card

Intro Rate
N/A*
Intro Period
N/A*
Regular APR
10.15% to 20.15%*
Annual Fee
$35*
Balance Transfer
Yes*
Credit Recommended
Establishing/Rebuilding

Highlights

  • Best for members rebuilding or establishing credit.
  • It's a real credit card — not a debit or prepaid card.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

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


Progress Credit

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!

First Progress Platinum Select MasterCard(R) Secured Credit Card

Regular APR
14.99%
Annual Fee
$39
Credit Line
$2,000
Credit Recommended
Damaged/Fair

Highlights

  • 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(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • 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
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.

primor® Secured MasterCard Classic Card

Regular APR
13.99%
Annual Fee
$39
Credit Line
$200 - $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
    *See application for additional details

USAA Secured Card® Platinum Visa®

Intro Rate
N/A*
Intro Period
N/A*
Regular APR
10.15% to 20.15%*
Annual Fee
See website for Details*
Balance Transfer
Yes*
Credit Recommended
Establishing/Rebuilding

Highlights

  • Best for members rebuilding or establishing credit.
  • It's a real credit card — not a debit or prepaid card.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

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


Applied Bank® Secured Visa® Gold Preferred® Credit Card

Regular APR
9.99%
Annual Fee
$48
Credit Line
See website for Details*
Credit Recommended
Poor/Fair/Limited/Damaged

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

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


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. Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.