Credit Cards for Bad Credit

Simply getting a credit card will not help you build, re-build or re-establish your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to rebuilding your credit history. Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Choose from secured and unsecured credit cards, and prepaid card offers below - some of them are fee-based.

See offers from our partners below.

 APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • Get Pre-Qualified without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Pick your payment due date to fit your schedule
  • Free online monthly credit score tracking included
  • See additional Credit One Bank® Platinum Visa® details
 APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.65% - 24.15% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Mid America Bank & Trust's
secure site

Credit Needed
Fair/Bad Credit
  • 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
  • See additional Total VISA® Unsecured Credit Card details
 APPLY NOW

at Mid America Bank & Trust's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    29.99%
    Annual Fee
    $75 for the first year, $48 annually after that
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at Horizon Gold's
secure site

Credit Needed
Bad Credit
  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR
  • See additional Horizon Gold Card details
 APPLY NOW

at Horizon Gold's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    0.00% for N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    0.00%
    Annual Fee
    $24.95 benefits plan membership will be auto-debited monthly
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
See Terms
  • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Carry a card that makes you smile, by choosing from our premium card gallery with over 20 unique card designs. Fee Applies.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
  • Earn unlimited 1% cash back on gas and grocery purchases. Terms apply. Rewards post automatically to your account each month.
  • Set up custom email or text alerts, so you'll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
  • Credit One automatically monitors every account for credit line increase opportunities. We'll let you know as soon as you're eligible for additional credit.
  • Our Platinum Visa protects you with $0 fraud liability if your card is ever lost or stolen. Rest easy knowing you won't be responsible for unauthorized charges.
  • See additional Credit One Bank® Offer Finder Tool details
 APPLY NOW

at Credit One Bank's
secure site

Credit Needed
See Terms
  • Purchases Intro APR
    See Terms
    Balance Transfers Intro APR
    See Terms
    Regular APR
    See Terms
    Annual Fee
    See Terms
    Credit Needed
    See Terms
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Secured Card® Platinum Visa® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-20.15% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • 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
  • Extra credit when you need it, increase your credit line up to $5000 in your first year*
  • Access to online financial education.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card. Click the Apply Now button to get to the application page.
  • See additional OpenSky® Secured Visa® Credit Card details
 APPLY NOW

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    17.64% (Variable)
    Annual Fee
    $35
    Credit Needed
    No Credit Check
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Secured Card® American Express® Card details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-20.15% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First Access Card's
secure site

Credit Needed
Bad Credit
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
  • 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; checking account required.
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • See additional The First Access VISA® Credit Card details
 APPLY NOW

at First Access Card's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    29.99%
    Annual Fee
    $75 for first year After that, $48 annually.
    Credit Needed
    Bad Credit
 APPLY ONLINE

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between 1/15/16 - 3/31/16 and accounts must be in good standing for 90 days after opening.
  • Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low interest rate of 17.99%
  • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Build your credit with monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
  • See additional UNITY® Visa Secured Credit Card - The Comeback Card™ details
 APPLY NOW

at OneUnited's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    9.95% for 6 months
    Regular APR
    17.99% (Fixed)
    Annual Fee
    $39
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First Progress's
secure site

Credit Needed
Bad Credit
  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • 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
  • See additional First Progress Platinum Elite MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    19.99% (Variable)
    Annual Fee
    $29
    Credit Needed
    Bad Credit
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