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.

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Checking Account Required

Yes

Reports to Consumer Reporting Agencies

Yes

Card Brand

Mastercard®

Credit Recommended (660-850): Fair/Poor

on PREMIER Bankcard® secure website.

Credit Recommended: Fair/Poor
0%
  • 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.
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Regular APR

N/A

Credit Line

Get a max of 1,500

Monthly Fee

$0

Credit Recommended:
Poor to Good

on issuer’s secure website.

Credit Recommended
0%
  • 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!
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Regular APR

See Provider Website

Annual Fee

See Provider Website

Credit Line

See Provider Website

Credit Recommended:
Bad/Limited/No Credit

on PREMIER Bankcard® secure website.

Credit Recommended
0%
  • 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.
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Regular APR

28.49% (Variable)

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

$0

Credit Recommended:
Limited/Bad

on Capital One’s secure website.

Minimum Deposit

$200

Cash Advance APR

28.49% (Variable)

Credit Recommended
0%
  • 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
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Regular APR

9.99% Fixed

Annual Fee

$48

Credit Line

$200 – $1,000

Credit Recommended:
Poor/Fair/Limited/Damaged

on issuer’s secure website.

Brand Name

Visa®

Security Deposit

$200 – $1,000

Credit Recommended

Poor/Fair/Limited/Damaged

  • 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
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Regular APR

See Terms*

Annual Fee

See Terms*

Balance Transfer

N/A

Credit Recommended:
Average, Fair, Bad

On the First Access Visa® Card secure website

Credit Recommended
0%
  • 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.
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Regular APR

29.99%

Annual Fee

See Terms

Credit Recommended

Fair/Poor/Bad

Credit Recommended:
Fair

on the issuer’s secure website.

Intro Rate

N/A

Intro Period

N/A

Balance Transfer

N/A

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
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Credit Line

$200, which doubles to $400 if you qualify

Regular APR

21.20% Variable

Cash Advance APR

26.20% Variable

Credit Recommended:
See website for Details

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

  • 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.
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Regular APR

22.99% (V)

Annual Fee

$25 for the first year, after that $35 annually

Cash Advance APR

27.99% (V)

Credit Recommended:
See website for Details*

on issuer’s secure website.

Credit Line

See website for Details*

Credit Recommended
0%
  • 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!
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Credit Limit

$750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR

0% APR

Monthly Fee

See website for Details*

Credit Recommended:
Damaged/Fair

on issuer’s secure website.

Credit Limit

Damaged/Fair

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
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Credit Line

$750 Limit (Usable only at TheHorizonOutlet.com)

Regular APR

0% APR

Monthly Fee

See website for Details*

Credit Recommended:
Damaged credit to Fair credit

on issuer’s secure website.

Credit Recommended

Damaged credit to Fair credit

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications
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Annual Fee

$35 – $99*

Regular APR

24.9%

Credit Recommended

Poor/Bad

Credit Recommended:
Poor/Bad

On the Milestone Gold Mastercard® secure website

  • 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
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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

Credit Recommended:
Fair/Bad/Limited/No Credit

on Capital One® secure website.

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

$0

Foreign Trans Fee

None

  • 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
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Regular APR

21.14% (variable)

Annual Fee

$35

Credit Line

$200-$3000 at time of application

Credit Recommended:
Poor

on Capital Bank N.A. secure website.

Cash Advance APR

21.14% (variable)

Late Payment Fee

Up to $38

Credit Recommended
0%
  • 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
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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.