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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 is one 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.
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At OneWest Bank's
secure site
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- Receive a $10 Bonus Credit* when you enroll in Direct Deposit.
- Add money for free with Direct Deposit
- Get cash for free by choosing cash back at retail stores
- Manage your account for free online and with automated alerts
- No Credit Check or Bank Account Required
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| Purchases |
Balance Transfers |
Regular APR |
Monthly Fee (up to) |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
N/A |
$4.95* |
No Credit Check |
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At RushCard's
secure site
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- Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
- Choose from multiple fee plan options, and switch for free.
- Transfer money to another RushCard member for just $0.99.
- No overdraft fees.
- Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
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| 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 Check |
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At Synovus Bank's
secure site
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- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- 24/7 Access to Your Account Online
- New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
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| 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 |
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At Synovus Bank's
secure site
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- Nationwide Program - though not yet available in NY, IA, AR, or WI
- Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- No Credit History or Minimum Credit Score Required for Approval
- 24/7 Access to Your Account Online
- New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
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| 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 |
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At Credit One Bank's
secure site
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- Get pre-qualified for a Visa Platinum card
- Pick your payment due date to fit your schedule
- Email or text alerts to remind you when your payment is due
- Free online monthly credit score tracking included
- Automatic reviews for credit line increase opportunities
- Includes Travel Accident Insurance and Auto Collision Damage Waiver
- Choose your card design from our premium gallery
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| 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 |
23.90% (Variable) |
$75 1st year, then $99 |
Bad Credit |
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At MetaBank's
secure site
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- This is not a credit card. You need to deposit your own money before using the card.
- Fast and Easy Access to Your Money
- 100% Guaranteed Approval - upon successful ID verification
- No Credit Check. No ChexSystem Verification.
- No Late Fees. Not Overlimit Fees.
- $0 Activation Fee
- $15 Bonus§ with Free† Direct Deposit
- Accepted everywhere Visa Debit is accepted
- Deposits are FDIC insured
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| Purchases |
Balance Transfers |
Regular APR |
Monthly Fee (up to) |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
N/A |
$9.95* |
No Credit Check |
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At First PREMIER® Bank's
secure site
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- Must have checking account to qualify
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
- Acceptance at millions of locations worldwide (subject to available credit)
- Credit card responses in 60 seconds or less
- Optional Payment Protection Available
- No security deposit required
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| 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* |
See website* |
See website* |
Fair/Bad Credit* |
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At First PREMIER® Bank's
secure site
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- Must have checking account to qualify
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
- Once your account is open, you may have the chance to personalize your credit card
- Acceptance at millions of locations nationwide, including online purchases (subject to available credit)
- You may be able to rebuild your credit history if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors.
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| 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* |
See website* |
See website* |
Fair/Bad Credit* |
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At RushCard's
secure site
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- Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
- Choose from multiple fee plan options, and switch for free.
- Earn fee rebates for maintaining balance in RushGoals program.
- Transfer money to another RushCard member for just $0.99.
- Free 24/7 customer service.
- Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
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| 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 Check |
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At Merrick Bank's
secure site
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- Build your credit - Performance is reported to all three major credit bureaus, unlike a prepaid card.
- Credit line increases - automatic unsecured credit line increase reviews with no additional security deposit or fees.
- No Processing or application fees.
- You determine your credit line - up to $3,000
- Easy funding options - We have several convenient options to easily submit your security deposits
- Worldwide acceptance - Use it anywhere Visa is accepted.
- Easy application - Click "Apply Here" to apply online today!
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| 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 |
17.45% (Variable) |
$36 |
Bad Credit |
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* 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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