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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
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms
  • 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
Fee
Guaranteed
Approval
Credit
Check
Build
Credit
Direct
Deposit
see siteNoNoNoFree
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • We often say "YES!" when others say "No".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$0
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a17.90% -
23.90% (V)
$35-$99
  • Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
  • No overdraft fees & a simple fee plan. No cost to order or activate a card.
  • Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
  • Earn Cash Back Rewards & Refer A Friend bonuses.
  • Free Bill Pay and online budget management tools.
  • Transfer money to other cardholders online or with your mobile phone.
  • Free Smartphone App - check your transactions, balance and find the closest reload location.
  • Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
Apply Now
Activation
Fee
Guaranteed
Approval
Credit
Check
Build
Credit
Direct
Deposit
$0YesNoNoFree
  • Build credit with responsible use with no processing or application fees.
  • Regular reporting to the 3 major credit bureaus.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
  • Your security deposit can get you a line up to $3,000.
  • You may qualify for a credit line increase based on your payment history and creditworthiness.
  • Build a financial foundation you can stand on with a card that gets you started.
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a22.9% (V)$29
  • 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.
  • Offers 90 Day Cash Discount.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • $100 off $1200 or more (for a limited time) - Use Coupon Code: DEAL100. This will expire on 04/30/14.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.0%$49

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

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.