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
  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • See complete Capital One® Secured MasterCard® details
 APPLY NOW

at Capital One'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
    24.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Bad Credit
 APPLY ONLINE

Credit Needed
No Credit Needed
  • 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
  • Enroll in Direct Deposit and get your pay up to two days early.2 Certain restrictions apply. See card site for details.
  • Easy Online Bill Pay to practically anyone — pay your rent, utilities or a friend.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Stay connected — keep track of your money on your mobile phone with the free RushCard app.
  • Access to over 23,000 fee-free MoneyPass® ATMs from coast-to-coast. Get cash or check your balance at no additional cost.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.
  • See complete Midnight Prepaid Visa® RushCard details
 APPLY NOW

at RushCard's
secure site

Credit Needed
No Credit Needed
  • 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
    N/A
    Annual
    Fee
    Variable Monthly Fees
    Credit Needed
    No Credit Needed
 APPLY ONLINE

Credit Needed
Fair/Bad Credit*
  • Checking Account Required
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • See complete First PREMIER® Bank MasterCard® Credit Card details
 APPLY NOW

at First PREMIER® Bank'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
    See website*
    Annual
    Fee
    See website*
    Credit Needed
    Fair/Bad Credit*
 APPLY ONLINE

Credit Needed
Fair/Bad Credit*
  • Must have checking account to qualify.
  • Apply today, and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges)
  • Monthly reporting to the major Consumer Reporting Agencies.
  • Issued by FDIC-insured First PREMIER® Bank.
  • Trying to rebuild your credit history? You may if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • See complete First PREMIER® Bank Credit Card details
 APPLY NOW

at First PREMIER® Bank'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
    See website*
    Annual
    Fee
    See website*
    Credit Needed
    Fair/Bad Credit*
 APPLY ONLINE

Credit Needed
Fair/Bad Credit*
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • You may rebuild your credit history: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • Reports your credit history to the major Consumer Reporting Agencies
  • This is a credit card - not a debit or prepaid card
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
  • See complete First PREMIER® Bank Gold Credit Card details
 APPLY NOW

at First PREMIER® Bank'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
    See website*
    Annual
    Fee
    See website*
    Credit Needed
    Fair/Bad Credit*
 APPLY ONLINE

Credit Needed
No Credit Needed
  • 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
 APPLY NOW

at RushCard's
secure site

Credit Needed
No Credit Needed
  • 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
    N/A
    Annual
    Fee
    Variable Monthly Fees
    Credit Needed
    No Credit Needed
 APPLY ONLINE

Credit Needed
Fair/Bad Credit*
  • Must have checking account to qualify
  • Apply today, and if approved, pay a Processing Fee to access your available credit (additional fees and charges apply).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • See complete First PREMIER® Bank Classic Credit Card details
 APPLY NOW

at First PREMIER® Bank'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
    See website*
    Annual
    Fee
    See website*
    Credit Needed
    Fair/Bad Credit*
 APPLY ONLINE

Credit Needed
No Credit Needed
  • 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
 APPLY NOW

at RushCard's
secure site

Credit Needed
No Credit Needed
  • 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
    N/A
    Annual
    Fee
    Variable Monthly Fees
    Credit Needed
    No Credit Needed
 APPLY ONLINE

Credit Needed
No Credit Needed
  • 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
 APPLY NOW

at RushCard's
secure site

Credit Needed
No Credit Needed
  • 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
    N/A
    Annual
    Fee
    Variable Monthly Fees
    Credit Needed
    No Credit Needed
 APPLY ONLINE

Credit Needed
Bad Credit
  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • 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
  • See complete Credit One Bank® Credit Card with Gas Rewards 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
Show More Results