Find the
best credit card offers online.Prepaid & Credit Cards for People with Bad Credit
Even though some issuers deal with customers that have good credit histories, there are also banks that provide applications for people with bad credit. Browse the offers on our site, choose the card you like most, and apply online!
First PREMIER® Bank Classic Credit Card**
- Bad credit? Apply for a credit card today!
- Join nearly 3 million credit cardholders.
- Save time with our easy credit card application.
- Don't be held back by past credit card struggles.
- This is a credit card, not a debit card or prepaid card.
First PREMIER® Bank Secured Credit Card**
- Reports monthly to the major Consumer Reporting Agencies.
- You establish your credit limit - From $200 minimum up to $5,000!
- Build your credit card limit over time!
Orchard Bank® Classic MasterCards
- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Your account information is updated and at your fingertips 24/7 so you can manage it your way.
Aventium® Gold Credit Card**
- No annual fee for the first year!
- Bad credit history? We invite you to apply.
- This is a credit card, not a debit card or prepaid card.
- A golden opportunity for a credit card - even if you've had bad credit.
AccountNow® Prepaid MasterCard®
- 100% Guaranteed Approval.
- $0 Activation Fee.
- Free Credit Builder.
- Free Bill Pay.
- Free Direct Deposit.
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Credit Cards for Those With Bad Credit Histories
When you have struggled with credit problems, you might hold out little hope of ever getting a credit card again. However, if you have bad credit getting a credit card is not impossible. In fact, applying for the right credit card, created just for those of us who have had credit problems, can help your credit history.
If you have bad credit and are looking for a credit card, make sure that the credit card company reports your activity to all of the major credit reporting agencies. If you are working on rebuilding your credit, it will be important that you make payments on time to all of your creditors, maintain your balances under the credit limit, and that your payment history gets reported to the credit bureaus. If you are looking for a credit card for those with less than perfect credit, you may want to apply for a secured credit card, or a range of fee-based unsecured credit card offers.
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 situation. There are several different companies that offer special deals especially for those with past credit problems. Before applying for a credit card, make sure you understand the terms and conditions. Understanding your responsibilities as a cardholder is important so that you know what kind of commitment you are making. Improper use of a credit card can damage your credit even more.
References
- Credit Repair: How to Help Yourself
- What's your credit score?
- Debt management tool at CNNMoney: Instant Budget Maker
- Get credit counseling: Financial Planning Association
- To find a local credit counselor, try The National Foundation for Credit Counseling's DebtAdvice.org
- For a list of approved credit counseling providers, please check the U.S. Department of Justice
* See the online credit card application
for details about terms and conditions. Reasonable efforts are made to
maintain accurate information. However, all credit card information is
presented without warranty. When you click on the "Apply"
button, you can review the credit card terms & conditions on the
credit card issuer's website.
** FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
