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.

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)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
See additional details for First Access Visa® Card

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.


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

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


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


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
See additional details for Surge Mastercard® Credit Card

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

  • No Credit Check
  • Fast Online Application
  • Always 0.0% APR
  • Instant Approval
See additional details for Net First Platinum

*See Card for Details


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.

Regular APR
9.99% (F)
Annual Fee
$49
Credit Line
$200 to $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit 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
See additional details for primor® Secured Mastercard Gold Card

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
9.99% (F)
Annual Fee
$49
Credit Line
$200 to $5000
Credit Recommended
Poor/Limited/No Credit

Highlights

  • 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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit 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
See additional details for primor® Secured Visa Gold Card

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

Regular APR
13.99%
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.

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

Highlights

  • 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!
  • Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit 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
See additional details for primor® Secured Mastercard Classic Card

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.

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

Intro Rate
N/A*
Intro Period
N/A*
Regular APR
10.90% to 20.90%
Annual Fee
$35*
Balance Transfer
Yes*
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.


Intro Rate
N/A*
Intro Period
N/A*
Regular APR
10.90% to 20.90%
Annual Fee
$35*
Balance Transfer
Yes*
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.
See additional details for USAA Secured Card® Platinum Visa®

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

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.