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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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Emporium Black Card Credit Recommended: No Credit Needed

FEATURES:

Reporting to Credit Bureaus: No
Card Type: Unsecured Store Card

APRs & FEES:

Regular APR: N/A
Annual Fee: $0
Application Processing Fee: None
Reporting to Credit Bureaus: No
Card Type: Unsecured Store Card
Regular APR: N/A
Annual Fee: $0
Application Processing Fee: None

Emporium Black Card Credit Recommended: No Credit Needed

Card details:

Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.Up To 12 Months Same As Cash Show More
50% Early Payoff DiscountNo Hidden FeesReturn at any Time
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Surge MasterCard® Credit Card Credit Recommended: Bad / No

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Secured / Unsecured

APRs & FEES:

Regular APR: *See Terms
Annual Fee: *See Terms
Application Processing Fee: *See Terms
Reporting to Credit Bureaus: Yes
Card Type: Secured / Unsecured
Regular APR: *See Terms
Annual Fee: *See Terms
Application Processing Fee: *See Terms

Surge MasterCard® Credit Card Credit Recommended: Bad / No

Card details:

All credit types welcome to apply!Monthly reporting to the three major credit bureaus.Initial Credit Limit of $500.00!* (subject to available credit). Show More
Fast and easy application process; results in seconds.Use your card at locations everywhere that MasterCard® is accepted.Free online account access 24/7.Checking Account Required.
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Fingerhut Credit Account Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card

APRs & FEES:

Regular APR: 25.15%
Annual Fee: $0
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card
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 NC787. Expires: 9/30/2016.*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
Card Type: Unsecured

APRs & FEES:

Regular APR: 15.65% - 24.15% Variable
Annual Fee: $0 - $99
Application Processing Fee: See terms
Reporting to Credit Bureaus: Yes
Card Type: Unsecured
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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Official NASCAR® Credit Card from Credit One Bank® Credit Recommended: Bad/Poor

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured

APRs & FEES:

Regular APR: 16.65% - 23.90% Variable
Annual Fee: $0 - $99
Application Processing Fee: See terms
Reporting to Credit Bureaus: Yes
Card Type: Unsecured
Regular APR: 16.65% - 23.90% Variable
Annual Fee: $0 - $99
Application Processing Fee: See terms

Official NASCAR® Credit Card from Credit One Bank® Credit Recommended: Bad/Poor

Card details:

Earn 1% cash back on gas and automotive purchases (terms apply) and double cash back on NASCAR.com purchasesZero fraud liability protects you from unauthorized chargesEmail or text alerts to remind you when your payment is due Show More
Flexible payment date to assist you in making your payments on timeAutomatic reviews for credit line increase opportunitiesFree online monthly credit score tracking included
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Horizon Gold Credit Card Credit Recommended: Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card

APRs & FEES:

Regular APR: 0.00%
Annual Fee: See Terms
Application Processing Fee: See Terms
Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card
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
Card Type: Secured

APRs & FEES:

Regular APR: 24.99% (Variable)
Annual Fee: $0
Application Processing Fee: See terms
Reporting to Credit Bureaus: Yes
Card Type: Secured
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 bureausYou will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness Show More
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit neededEasily 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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Matrix MasterCard® Credit Card Credit Recommended: Poor / Bad

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Secured / Unsecured

APRs & FEES:

Regular APR: *See terms
Annual Fee: *See terms
Application Processing Fee: *See terms
Reporting to Credit Bureaus: Yes
Card Type: Secured / Unsecured
Regular APR: *See terms
Annual Fee: *See terms
Application Processing Fee: *See terms

Matrix MasterCard® Credit Card Credit Recommended: Poor / Bad

Card details:

All credit types welcome to apply!Initial Credit Limit of $500.00!* (subject to available credit).Fast and easy application process; results are provided online! Show More
Monthly reporting to the 3 major credit bureaus.Use your card at locations everywhere that MasterCard® is accepted.Free online account access 24/7.Checking Account Required.
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National Credit Direct Credit Recommended: Any

FEATURES:

Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card

APRs & FEES:

Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: $0
Reporting to Credit Bureaus: Yes
Card Type: Unsecured Store Card
Regular APR: 0.0%
Annual Fee: $49
Application Processing Fee: $0

National Credit Direct 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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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.