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.

See offers from our partners below.

 APPLY ONLINE

Credit Needed
Bad Credit
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
  • Earn 1% cash back on gas purchases and get more value with every gallon
  • See complete Credit One Bank® Platinum Card details
 APPLY NOW

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A*
    Purchases
    Intro APR Period
    N/A*
    Balance Transfers
    Intro APR
    N/A*
    Balance Transfers
    Intro APR Period
    N/A*
    Regular
    APR
    17.90% - 23.90% (Variable)*
    Annual
    Fee
    $35-$99
    Credit Needed
    Bad Credit
 APPLY ONLINE

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

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 complete OpenSky® Secured Visa® Credit Card details
 APPLY NOW

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    17.50% (Variable)
    Annual
    Fee
    $29
    Credit Needed
    No Credit Check
 APPLY ONLINE

Credit Needed
Bad Credit
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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 complete USAA Secured Card® American Express® Card details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    9.90%-19.90% (Variable)
    Annual
    Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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 complete USAA Secured Card® Platinum MasterCard® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    9.90%-19.90% (Variable)
    Annual
    Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

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
  • 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
 APPLY NOW

at First Access Card's
secure site

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

Credit Needed
Bad Credit
  • 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 complete Surge MasterCard® Credit Card details
 APPLY NOW

at Celtic Bank's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    29.99% (Variable)
    Annual
    Fee
    $125 for the first year, then $96 annually.
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • A secured credit card designed to help rebuild your credit
  • Reports to all 3 major credit bureaus
  • Low, fixed (Not variable) interest rate of 17.99%
  • Your security deposit can get you Min. $250/Max. $10,000 credit limit
  • Manage your account online
  • No application fee or penalty rate
  • Credit line secured by fully-refundable FDIC insured deposit submitted with application
  • See complete 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
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    9.95%
    Balance Transfers
    Intro APR Period
    6 months
    Regular
    APR
    17.99%
    Annual
    Fee
    $39
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
Bad Credit
  • 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
 APPLY NOW

at First Progress's
secure site

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

Credit Needed
Bad Credit
  • 24/7 Online Access to Your Account
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • See complete First Progress Platinum Prestige MasterCard® Secured Credit Card details
 APPLY NOW

at First Progress's
secure site

Credit Needed
Bad Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    11.99% (Variable)
    Annual
    Fee
    $44
    Credit Needed
    Bad Credit
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