- Credit Card Offers
- Credit Cards for Bad Credit
Prepaid & Credit Cards for People with Bad Credit
Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Horizon Gold Credit Recommended: Bad/No
FEATURES:
APRs & FEES:
Horizon Gold Credit Recommended: Bad/No
Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No
FEATURES:
APRs & FEES:
Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No
Details:
Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair
FEATURES:
APRs & FEES:
Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair
Details:
Checking Account RequiredFast and easy application process; response provided in secondsA genuine Visa® card accepted by merchants nationwide across the USA and online Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
BadCreditLoans.com Credit Recommended: Any
LOAN AMOUNT:
REQUIREMENTS:
BadCreditLoans.com Credit Recommended: Any
DETAILS:
Up to $5,000 deposited to your bank account, if approvedGet funds as soon as the net business dayFast, Safe, and Convenient - all online!Click apply button to get redirected to the bank’s secure application page
All your personal information will be protected
OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
FEATURES:
APRs & FEES:
OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
Details:
No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.Build credit quickly. OpenSky reports to all 3 major credit bureaus. Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair
FEATURES:
APRs & FEES:
Total Visa® Unsecured Credit Card Credit Recommended: Bad/Fair
Details:
Checking Account RequiredFast and easy application process; response provided in secondsA genuine Visa® card accepted by merchants nationwide across the USA and online Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad
FEATURES:
APRs & FEES:
First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad
Details:
Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and onlineReporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’t Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Fit Mastercard® Credit Card Credit Recommended: Bad/Fair
FEATURES:
APRs & FEES:
Fit Mastercard® Credit Card Credit Recommended: Bad/Fair
Details:
All credit types welcome to apply!Monthly reporting to the three major credit bureausInitial Credit Limit of $400.00!* (subject to available credit) Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
First Access American Pride Visa® Credit Card Credit Recommended: Fair/Bad
FEATURES:
APRs & FEES:
First Access American Pride Visa® Credit Card Credit Recommended: Fair/Bad
Details:
Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and onlineReporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’t Show MoreClick apply button to get redirected to the bank’s secure application page
All your personal information will be protected
Surge Mastercard® Credit Recommended: Fair/Bad
FEATURES:
APRs & FEES:
Surge Mastercard® Credit Recommended: Fair/Bad
Details:
All credit types welcome to apply!Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)Monthly reporting to the three major credit bureaus Show MoreCredit 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.
Frequently Asked Questions:
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.
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.
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.
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.