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Prepaid & Credit Cards for People with Bad Credit

If you have a bad credit history there are still credit card issuers that will approve your application. There are prepaid and secured cards. For people with bad credit, credit cards here offer a chance to rebuild your credit history. Be sure the card you are applying for is aimed at those with poor credit, as too many credit inquiries can lower your score. Some cards do not require a credit check. In order to rebuild your credit, the issuer must report your timely payments to a credit bureau.
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Horizon Gold Credit Card Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Card Credit Recommended: Bad

Card details:

Must have Active Debit Card or Credit Card to qualify.$500 Credit Limit.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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Capital One® Secured MasterCard® Credit Recommended: Limited, Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Credit Check: No

APRs & FEES:

Regular APR: 24.99% (Variable)
Annual Fee: $0
Application Processing Fee: See terms
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: 24.99% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Secured MasterCard® Credit Recommended: Limited, Bad

Card details:

No annual fee, and all the credit building benefits with responsible card useUnlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureausYour minimum security deposit gets you a $200 credit line Show More
You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit requiredEasily manage your account 24/7 with online access, by phone, or using our mobile appIt’s a credit card accepted at millions of locations worldwide
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Fingerhut Credit Account Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms

Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee*.No Over Limit Fee*.Instant Response (Delays may occur depending on application data provided). Show More
Apply for Fingerhut Credit today*. Fill out our easy online application.Low Monthly Payments*.Choose From Over 500,000 items.Shop Great Brands at Fingerhut.com.Budget Friendly Payments* with Fingerhut Credit!Get the Credit You Deserve*.We just love saying "YES!"Get $50 off $200 - USE Promo Code NC466. Expires: 6/30/2016.*SEE Fingerhut.com Site for Terms & Conditions.
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Credit One Bank® Visa® with Credit Line Increase Reviews Credit Recommended: Poor / Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Credit Check: No

APRs & FEES:

Regular APR: 15.65% - 24.15% Variable
Annual Fee: $0 - $99
Application Processing Fee: See terms
Reporting to Credit Bureaus: Yes
Credit Check: No
Regular APR: 15.65% - 24.15% Variable
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Visa® with Credit Line Increase Reviews Credit Recommended: Poor / Bad

Card details:

Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.See if you´re Pre-Qualified in less than 60 seconds.This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account. Show More
Automatically earn 1% cash back when you buy gas or groceries. Terms apply.Flexible payment date to assist you in making your payments on time.
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BadCreditLoans.com Credit Recommended: Any

LOAN AMOUNT:

Minimum: See Terms
Maximum: $2,500

REQUIREMENTS:

Minimum Credit Score: See Terms
Minimum Age: 18
Minimum Income Required: See Terms
Checking Account Required: Yes
Minimum: See Terms
Maximum: $2,500
Minimum Credit Score: See Terms
Minimum Age: 18
Minimum Income Required: See Terms
Checking Account Required: Yes

BadCreditLoans.com Credit Recommended: Any

Card details:

Up to $2,500 deposited to your bank accountGet funds as soon as tomorrowFast, Safe, and Convenient - all online!

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TronixCountry™ Credit Recommended: Any

FEATURES:

Reporting to Credit Bureaus: Yes
Credit Check: Yes

APRs & FEES:

Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Credit Check: Yes
Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: See Terms

TronixCountry™ Credit Recommended: Any

Card details:

Shop Brand Name Electronics.No Turn Downs.Credit Limit of Up To $3,500.6 Show More
0% APR.Reward Points for every dollar spent.Low Flexible Payments.Reports to Major Credit Bureau.Bad Credit - OK.
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Control™ Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: None
Monthly Fee: $7.95
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free
Activation Fee: None
Monthly Fee: $7.95

Control™ Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

Card details:

Stay in Control of your Money. No Overdraft or Surprise FeesGet your Paychecks up to 2 days faster with Direct DepositGuaranteed Approval* (ID verification required). No Credit Check. No Minimum Balance Show More
Real-time Activity Alerts on your Mobile (Message rates may apply)Use your card anywhere a Debit MasterCard is acceptedVisit any of the 130,000+ Reload Locations nationwideFunds are FDIC insured up to the current coverage limit (ID verification required)Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more
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Brink′s Money Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: $0
Monthly Fee: $0
Guaranteed Approval: Yes
Credit Check: No
Direct Deposit: Free
Activation Fee: $0
Monthly Fee: $0

Brink′s Money Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

Card details:

Trust Brink′s with your money. Securing cash and valuables since 1859.Get paid up to 2 days faster with Direct Deposit.Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more. Show More
Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.Shop securely Online with a Virtual Account so you don′t have to use your card number.Add extra protection for shopping in stores by putting your photo on your card.Earn Cash Back via the Payback Rewards program from restaurants, shops and more.$10 Purchase Cushion When You′re A Little Short.
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Western Union® NetSpend® Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

FEATURES:

Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free

FEES:

Activation Fee: $0
Monthly Fee: Up-to $9.95 monthly
Guaranteed Approval: No
Credit Check: No
Direct Deposit: Free
Activation Fee: $0
Monthly Fee: Up-to $9.95 monthly

Western Union® NetSpend® Prepaid MasterCard® Credit Recommended: Any Credit (No Credit Check)

Card details:

Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home. Show More
Receive WU® money transfer funds directly onto your card in the online account center.Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.Plus: No credit check, late fees, or interest payments because this is not a credit card.*Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
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Credit Cards for Bad Credit

Getting a credit card while you have bad credit is not impossible. In fact, applying for the right credit card can help your credit history.

Look for a card that offers payment terms and benefits that meet your financial needs. While there may be many offers and promotions for those with a bad credit history, not every card will be right for your specific situation. There are several different companies that offer special deals especially for those with past credit problems. Before you apply for a credit card, make sure you understand the terms and conditions. Understanding your responsibilities as a cardholder is important. Improper use of a credit card can damage your credit even more. Once you are sure the card you've chosen is good for you, you can apply online.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How to rebuild credit after bankruptcy?

Once your bankruptcy is resolved you will want to rebuild your credit. There are many possible ways to rebuild your credit and one of them is a secured credit card. The cards’ activity is usually reported to the major credit bureaus monthly and this reported credit activity is the core of your credit score. To get a secured credit card you will need to put down at least a minimum security deposit. The minimum deposit will get you access to the minimum credit line, which is enough to show some positive credit activity. When use a secured credit card (and any credit card), you should make all due payments on time. Try to pay more than just a minimum - keeping balances low is also important.

How to build credit when my credit is bad and nobody gives me a credit card?

Having bad credit is even worse than having no credit at all because you already lost your credibility. However, it doesn’t mean you will never get approved for a credit card gain. Working hard you will be able to gain your credibility back. To start with, we would recommend you to check your credit reports. Get a copy of your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion). Look for any inaccuracies or outdated information. If you see errors, dispute them with credit bureaus. If you see credit inquiries from companies you do not recognize, dispute them as well. Once your report is clear and updated, you can apply for a credit card. A secured credit card is the best option for people with bad credit because secured card are created for people with bad credit. The cards are usually reported to all three major credit bureaus allowing you to improve your credit.

What is the best credit card for bad credit?

There are different credit card offers for people with bad credit and which one is the best depends on a person’s financial situation, credit score, and preferences. One card can be good for one person but the same card may not be as good for you. So we recommend you to consider everything from fees to interest rates when you choose a credit card. Another thing you may want to get with the credit card is the ability to track your credit score for free. Today many major banks and credit card issuers give access to credit score trackers for free. The score trackers will help you understand what is good and what is bad for your credit score, so you will be able to improve your credit faster.

How to get a credit card with bad credit?

Today there are credit card issuers that offer secured and unsecured credit cards to people with bad credit. Depending on how bad your credit is you can qualify for a secured or for an unsecured credit card. However, it is easier to get approved for a secured credit card because it requires a security deposit. The security deposit acts as a guarantee of your promise to pay and if you default on a secured credit card, the creditor will use your security deposit. Before you apply for a credit card, make sure your credit reports are correct and do not have outdated or erroneous information.