- Credit Card Offers
- Credit Cards for Bad Credit
Prepaid & Credit Cards for People with Bad Credit
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Surge® Platinum Mastercard® Credit Recommended: Fair
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Surge® Platinum Mastercard® Credit Recommended: Fair
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Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to apply!Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian Show MoreClick apply button to get redirected to the bank’s secure application page
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Group One Freedom Card Credit Recommended: Bad
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Group One Freedom Card Credit Recommended: Bad
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Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited
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Reflex® Platinum Mastercard® Credit Recommended: Fair/Poor/Bad/Limited
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Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)See if you’re Pre-Qualified with no impact to your credit scoreAll credit types welcome to apply Show MoreClick apply button to get redirected to the bank’s secure application page
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PickALender Credit Recommended: All Credit Considered
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PickALender Credit Recommended: All Credit Considered
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Citrus Loans Credit Recommended: Any Credit
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Citrus Loans Credit Recommended: Any Credit
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Total Visa® Card Credit Recommended: Bad/Fair
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Total Visa® Card Credit Recommended: Bad/Fair
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Earn 1% cash back rewards on payments made to your Total Credit CardChecking Account Required$300 credit limit (subject to available credit) Show MoreClick apply button to get redirected to the bank’s secure application page
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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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
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
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No credit check to apply. Zero credit risk to apply!Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time paymentsWith an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit Show MoreClick apply button to get redirected to the bank’s secure application page
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BadCreditLoans.com Credit Recommended: Any
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BadCreditLoans.com Credit Recommended: Any
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Up to $10,000 deposited to your bank account, if approvedGet funds as soon as the net business dayFast, Safe, and Convenient - all online!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.
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.