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.
Apply Now
Ongoing APRAnnual FeeActivation FeeInstant Response
0.00%See terms$29.95Yes
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Apply Now
Ongoing APRAnnual FeeActivation FeeInstant Response
24.90%$0$0Yes
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Apply Now
Ongoing APRAnnual FeeActivation FeeInstant Response
17.90% -
23.90% (Variable)*
$35-$99$0Yes
  • Unlike a prepaid card, it builds credit when used responsibly.
  • Regular reporting to the 3 major credit bureaus.
  • 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 - no additional deposit required.
  • It′s a credit card - accepted at millions of locations worldwide.
  • Easily manage your account 24/7 with online access, by phone or using our mobile app.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Ongoing APRAnnual FeeActivation FeeInstant Response
22.9% (V)$29See termsNo
  • Apply online using our 100% secure 3-step application. No faxing required.
  • 4 out of 5 applications are approved.
  • Once approved your loan is deposited into your bank account overnight!
Apply Now
Checking Account RequiredEmployment RequiredMAX loan amount Min Loan AmountMin AgeMin Income RequiredMinimum Credit Score
YesYes$1000$30018$See site0
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • Choose from thousands of products.
  • $25 off first purchase of $400 or more. Coupon Code: SAVE25OCT. Expires: 10/31/14.
Apply Now
Ongoing APRAnnual FeeActivation FeeInstant Response
0.0%$49$29.99Yes
  • Free direct deposit - get your paycheck and government benefits up to 2 days faster.
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • 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.
Apply Now
Activation FeeGuaranteed ApprovalCredit CheckBuild CreditDirect Deposit
see siteNoNoNoFree

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.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.