Credit Cards » Prepaid & Credit Cards for People with Bad Credit

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!

  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Ongoing APRAnnual FeeActivation FeeInstant Response
0.00%See site$29.95Yes
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 300,000 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 NC801. Exp. 10/1/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Ongoing APRAnnual FeeActivation FeeInstant Response
24.90%$0$0Yes
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • 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.
Ongoing APRAnnual FeeActivation FeeInstant Response
29.99% (V)$125 for the first year. After that, $96 annuallySee siteYes
  • 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.
  • Zero fraud liability protects you from unauthorized charges.
Ongoing APRAnnual FeeActivation FeeInstant Response
17.90% - 23.90% (Variable)*$35-$99*$0No
  • 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
  • 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
Ongoing APRAnnual FeeActivation FeeInstant Response
24.9% (Variable)$0See termsNo
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Ongoing APRAnnual FeeActivation FeeInstant Response
0.0%$49$0Yes
  • Automatic reviews for credit line increase opportunities.
  • Keep an eye on your progress with free online monthly credit score tracking.
  • Get Pre-Qualified for a Platinum Visa credit card.
  • Earn 1% cash back on gas purchases and get more value with every gallon.
Ongoing APRAnnual FeeActivation FeeInstant Response
17.90% -
23.90% (Variable)*
$35-$99*$0No
  • 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.
  • 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.
Activation FeeGuaranteed ApprovalCredit CheckBuild CreditDirect Deposit
$0NoNoNoFree
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks faster.
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions.
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new).
  • Earn Cash back rewards from specially selected stores, restaurants and more.
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
Activation FeeGuaranteed ApprovalCredit CheckBuild CreditDirect Deposit
See websiteNoNoNoFree

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 one is not impossible. In fact, applying for the right 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 card issuer reports your activity to all of the major consumer 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 and keep your account balances low relative to 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 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 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

* See Card Terms & Conditions for Details.
6 In Accordance with Terms and Conditions.