Credit Cards for Bad Credit

Simply getting a credit card will not help you build 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 receiving positive marks on 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.

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 APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
  • See additional Credit One Bank® Cash Back Credit Card 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
    15.90% - 24.40% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First PREMIER® Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Have a checking account? Apply today!
  • Easy 3-step application with a 30 second response
  • All credit types welcome to apply!
  • Quarterly FICO score on your monthly billing statement.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • The next First PREMIER Bank credit card customer could be you!
  • See additional 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
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    See Issuer Website
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Limited, Bad
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • 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 additional Capital One® Secured Mastercard® details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Limited, Bad
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Limited, Bad
 APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC758
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • See additional Fingerhut Credit Account details
 APPLY NOW

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    $0
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at Genesis Bankcard Services's
secure site

Credit Needed
Bad/Poor
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • See additional Indigo® Platinum MasterCard® details
 APPLY NOW

at Genesis Bankcard Services's
secure site

Credit Needed
Bad/Poor
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    23.90%
    Annual Fee
    $0 - $99
    Credit Needed
    Bad/Poor
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • No Annual Fee, build your credit history, and earn cash back on every purchase.
  • Minimum security deposit starts at $200, which you can provide with your tax refund. Monthly reviews start at 7 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, earn 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • See additional Discover it® Secured Credit Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/New to Credit
 APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
  • See additional Credit One Bank® Unsecured Visa® Credit Card 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
    15.90% - 24.40% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Bad Credit
 APPLY ONLINE

at First PREMIER® Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Must have checking account to qualify.
  • Application response in as little as 30 seconds.
  • Monthly reporting to the major Consumer Reporting Agencies.
  • Issued by FDIC-insured First PREMIER® Bank.
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Top 20 Issuer of MasterCard Credit Cards
  • See additional 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
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    See Issuer Website
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at Capital Bank's
secure site

Credit Needed
No Credit Check
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • 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
    18.14% (Variable)
    Annual Fee
    $35
    Credit Needed
    No Credit Check
 APPLY ONLINE

at Credit One Bank's
secure site

Credit Needed
Bad Credit
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • 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
    15.90% - 24.40% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Bad Credit
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