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Monday, November 24th 2014

Credit Cards and Prepaid Debit Cards for People with 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.

USAA Secured Platinum American Express Card
Email offer
USAA Secured Platinum American Express Card

At USAA Savings's
secure site

USAA Secured Platinum American Express Card
  • 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.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
  • See complete USAA Secured Platinum American Express Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 9.90% (Variable) $35 Bad Credit

First Progress Platinum Select MasterCard® Secured Credit Card
Email offer
First Progress Platinum Secured MasterCard® Credit Card

At First Progress's
secure site

First Progress Platinum Secured MasterCard® Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • 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 $300 -- $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 complete First Progress Platinum Select MasterCard® Secured Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 14.99% (Variable) $39 Bad Credit

The First Access VISA® Credit Card
Email offer
The First Access VISA Credit Card

At First Access Card's
secure site

The First Access VISA Credit Card Application
  • 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
  • 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 complete The First Access VISA® Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 29.99% $75 for first year After that, $48 annually. Bad Credit

First Progress Platinum Elite MasterCard® Secured Credit Card
Email offer
First Progress Platinum Elite MasterCard Secured Credit Card

At First Progress's
secure site

First Progress Platinum Elite MasterCard Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • 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 $300 -- $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 complete First Progress Platinum Elite MasterCard® Secured Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 19.99% (Variable) $29 Bad Credit

OpenSky® Secured Visa® Credit Card
Email offer
OpenSky Secured Visa Credit Card

At Capital Bank's
secure site

OpenSky Secured Visa Credit Card Application
  • Build Your Credit with our monthly reporting to all 3 credit bureaus.
  • Control Your Finances, start with a security deposit and credit line as low as $200.
  • Apply in less than 5 minutes, No credit check necessary.
  • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
  • Extra Credit When You Need It, increase your credit line up to $5000 (subject to approval).
  • Easy funding options, with 4 ways to fund and No checking account needed.
  • See complete OpenSky® Secured Visa® Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 17.50% (Variable) $29 Bad Credit

Prepaid Debit Cards for People with Bad Credit

The following Prepaid Debit Card offers can be well suited for people with bad credit or less than perfect credit. Compare offers side by side and apply for the Prepaid Debit Card of your choice.

Edge Prepaid Visa® RushCard
Email offer
Edge Prepaid Visa RushCard

At RushCard's
secure site

Edge Prepaid Visa RushCard Application
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Edge Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed

Suede KLS Prepaid Visa® RushCard
Email offer
Suede KLS Prepaid Visa RushCard

At RushCard's
secure site

Suede KLS Prepaid Visa RushCard Application
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Check your balance, view transactions, and even transfer money with the RushCard mobile app.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Conveniently send money to friends and family who have a RushCard with a card to card transfer.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Your Funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Suede KLS Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed

Carbon Prepaid Visa® RushCard
Email offer
Carbon Prepaid Visa RushCard

At RushCard's
secure site

Carbon Prepaid Visa RushCard Application
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.2
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Carbon Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed

Gloss Prepaid Visa® RushCard
Email offer
Gloss Prepaid Visa RushCard

At RushCard's
secure site

Gloss Prepaid Visa RushCard Application
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Get your government benefits up to two days early with Direct Deposit.2 Certain restrictions apply. See card site for details.
  • Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen.7 See card site for details.
  • Real time activity alerts sent to your mobile phone via text or email.3 Standard text message and data rates, fees, and charges may apply.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Gloss Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed

24k Prepaid Visa® RushCard
Email offer
24k Prepaid Visa RushCard

At RushCard's
secure site

24k Prepaid Visa RushCard Application
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Real time activity alerts to let you know when a deposit goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • Approval upon successful ID verification.1 No credit check9 or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.7 See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete 24k Prepaid Visa® RushCard details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A Variable Monthly Fees No Credit Needed



* See the online credit cards for people with bad credit applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.


 
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